Can I retire at age 30 with 17,500,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $17,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$1,445,134$1,432,261$1,419,702$1,407,444$1,395,475$1,378,608
2 years$715,413$702,089$689,176$676,656$664,512$647,538
3 years$472,204$458,823$445,942$433,540$421,594$405,039
4 years$350,624$337,283$324,532$312,341$300,684$284,677
5 years$277,695$264,434$251,850$239,908$228,575$213,162
6 years$229,091$215,930$203,532$191,856$180,864$166,063
7 years$194,388$181,338$169,136$157,736$147,091$132,908
8 years$168,372$155,440$143,441$132,321$122,026$108,460
9 years$148,149$135,339$123,546$112,708$102,763$89,809
10 years$131,979$119,294$107,710$97,155$87,560$75,208
11 years$118,758$106,201$94,826$84,554$75,304$63,544
12 years$107,749$95,320$84,156$74,165$65,257$54,076
13 years$98,440$86,142$75,188$65,477$56,905$46,289
14 years$90,468$78,300$67,556$58,123$49,883$39,816
15 years$83,566$71,529$60,994$51,836$43,921$34,387
16 years$77,532$65,626$55,300$46,413$38,817$29,799
17 years$72,213$60,439$50,321$41,702$34,418$25,899
18 years$67,491$55,849$45,937$37,582$30,603$22,564
19 years$63,271$51,760$42,053$33,958$27,277$19,700
20 years$59,477$48,098$38,594$30,756$24,364$17,231
21 years$56,049$44,801$35,499$27,913$21,803$15,095
22 years$52,937$41,820$32,718$25,379$19,544$13,242
23 years$50,100$39,114$30,209$23,113$17,544$11,630
24 years$47,503$36,647$27,938$21,081$15,769$10,225
25 years$45,118$34,391$25,877$19,252$14,189$8,997
26 years$42,919$32,322$23,999$17,603$12,781$7,924
27 years$40,887$30,419$22,285$16,113$11,523$6,983
28 years$39,004$28,664$20,717$14,763$10,398$6,157
29 years$37,253$27,041$19,279$13,538$9,389$5,432
30 years$35,622$25,537$17,958$12,424$8,483$4,795
31 years$34,100$24,141$16,741$11,411$7,670$4,234
32 years$32,675$22,843$15,620$10,487$6,938$3,740
33 years$31,340$21,632$14,585$9,643$6,279$3,305
34 years$30,086$20,502$13,627$8,873$5,685$2,921
35 years$28,906$19,446$12,740$8,168$5,149$2,582
36 years$27,794$18,457$11,918$7,522$4,665$2,283
37 years$26,745$17,530$11,155$6,931$4,228$2,020
38 years$25,753$16,660$10,446$6,388$3,833$1,786
39 years$24,815$15,842$9,787$5,890$3,476$1,581
40 years$23,925$15,072$9,173$5,433$3,153$1,399
41 years$23,082$14,347$8,602$5,013$2,860$1,238
42 years$22,280$13,664$8,069$4,626$2,596$1,095
43 years$21,518$13,019$7,571$4,270$2,356$970
44 years$20,792$12,410$7,107$3,943$2,138$858
45 years$20,101$11,834$6,673$3,641$1,941$760
46 years$19,442$11,289$6,268$3,364$1,762$673
47 years$18,813$10,773$5,888$3,108$1,600$595
48 years$18,211$10,285$5,534$2,872$1,453$527
49 years$17,636$9,821$5,201$2,654$1,320$467
50 years$17,086$9,382$4,890$2,453$1,199$413

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $17,500,000, adding $3,602 every year, while hoping to spend $48,583 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 42/47/11 Blend
29$17,500,000$17,500,000$17,500,000$17,500,000
30$19,288,715$18,361,215$18,089,965$20,036,518
31$21,204,473$19,209,223$18,644,287$21,408,173
32$23,314,008$20,097,155$19,215,551$22,887,384
33$25,637,038$21,026,916$19,804,272$24,488,021
34$28,195,283$22,000,502$20,410,983$26,221,181
35$31,012,683$23,020,007$21,036,231$28,099,038
36$34,115,613$24,087,625$21,680,582$30,134,948
37$37,533,142$25,205,654$22,344,618$32,343,562
38$41,297,297$26,376,506$23,028,937$34,740,961
39$45,443,372$27,602,706$23,734,158$37,344,798
40$50,010,261$28,886,903$24,460,916$40,174,452
41$55,040,820$30,231,874$25,209,869$43,251,200
42$60,582,275$31,640,527$25,981,691$46,598,415
43$66,686,668$33,115,914$26,777,079$50,241,766
44$73,411,347$34,661,233$27,596,750$54,209,453
45$80,819,507$36,279,835$28,441,444$58,532,464
46$88,980,785$37,975,236$29,311,920$63,244,848
47$97,971,920$39,751,118$30,208,965$68,384,029
48$107,877,477$41,611,343$31,133,386$73,991,143
49$118,790,642$43,559,962$32,086,017$80,111,411
50$130,814,104$45,601,216$33,067,716$86,794,552
51$144,061,024$47,739,557$34,079,365$94,095,237
52$158,656,103$49,979,649$35,121,878$102,073,584
53$174,736,756$52,326,383$36,196,191$110,795,714
54$192,454,414$54,784,885$37,303,273$120,334,352
55$211,975,950$57,360,530$38,444,118$130,769,499
56$233,485,255$60,058,954$39,619,755$142,189,161
57$257,184,974$62,886,066$40,831,240$154,690,163
58$283,298,418$65,848,059$42,079,662$168,379,041
59$312,071,670$68,951,428$43,366,145$183,373,023
60$343,775,914$72,202,982$44,691,844$199,801,111
61$378,709,989$75,609,859$46,057,952$217,805,275
62$417,203,210$79,179,544$47,465,696$237,541,766
63$459,618,481$82,919,886$48,916,340$259,182,563
64$506,355,717$86,839,111$50,411,188$282,916,968
65$557,855,619$90,945,847$51,951,583$308,953,362
66$614,603,838$95,249,139$53,538,906$337,521,140
67$677,135,554$99,758,471$55,174,584$368,872,842
68$746,040,532$104,483,788$56,860,084$403,286,507
69$821,968,687$109,435,515$58,596,918$441,068,253
70$905,636,224$114,624,585$60,386,645$482,555,137
71$997,832,391$120,062,462$62,230,870$528,118,287
72$1,099,426,937$125,761,165$64,131,246$578,166,374
73$1,211,378,320$131,733,297$66,089,478$633,149,418
74$1,334,742,753$137,992,073$68,107,321$693,562,992
75$1,470,684,180$144,551,351$70,186,582$759,952,853
76$1,620,485,258$151,425,659$72,329,125$832,920,043
77$1,785,559,473$158,630,235$74,536,868$913,126,509
78$1,967,464,476$166,181,053$76,811,790$1,001,301,297
79$2,167,916,794$174,094,866$79,155,927$1,098,247,375
80$2,388,808,034$182,389,241$81,571,377$1,204,849,154
81$2,632,222,737$191,082,598$84,060,302$1,322,080,772
82$2,900,458,063$200,194,252$86,624,929$1,451,015,223
83$3,196,045,473$209,744,458$89,267,552$1,592,834,415
84$3,521,774,631$219,754,456$91,990,534$1,748,840,258
85$3,880,719,737$230,246,518$94,796,311$1,920,466,873
86$4,276,268,553$241,244,001$97,687,390$2,109,294,053
87$4,712,154,383$252,771,395$100,666,356$2,317,062,089
88$5,192,491,321$264,854,384$103,735,870$2,545,688,114
89$5,721,813,088$277,519,901$106,898,674$2,797,284,108
90$6,305,115,837$290,796,190$110,157,592$3,074,176,735
91$6,947,905,317$304,712,867$113,515,536$3,378,929,211
92$7,656,248,855$319,300,994$116,975,503$3,714,365,393
93$8,436,832,636$334,593,140$120,540,580$4,083,596,324
94$9,297,024,824$350,623,463$124,213,948$4,490,049,488
95$10,244,945,126$367,427,783$127,998,885$4,937,501,044
96$11,289,541,447$385,043,662$131,898,766$5,430,111,344
97$12,440,674,369$403,510,496$135,917,069$5,972,464,080
98$13,709,210,238$422,869,594$140,057,375$6,569,609,406
99$15,107,123,760$443,164,282$144,323,375$7,227,111,475
100$16,647,611,045$464,439,993$148,718,869$7,951,100,808