Can I retire at age 30 with 17,600,000?

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 $17,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.1%
1 years$1,453,392$1,440,446$1,427,815$1,415,487$1,403,449$1,362,893
2 years$719,501$706,101$693,114$680,522$668,309$627,772
3 years$474,902$461,445$448,491$436,017$424,003$384,754
4 years$352,627$339,211$326,386$314,126$302,402$264,744
5 years$279,281$265,945$253,289$241,279$229,881$193,916
6 years$230,400$217,164$204,695$192,953$181,897$147,657
7 years$195,499$182,374$170,103$158,637$147,931$115,417
8 years$169,334$156,328$144,261$133,077$122,723$91,915
9 years$148,995$136,112$124,252$113,352$103,351$74,219
10 years$132,733$119,976$108,325$97,710$88,060$60,564
11 years$119,437$106,808$95,368$85,037$75,735$49,829
12 years$108,364$95,865$84,637$74,589$65,630$41,264
13 years$99,003$86,634$75,617$65,851$57,231$34,350
14 years$90,985$78,748$67,942$58,455$50,168$28,716
15 years$84,043$71,937$61,343$52,132$44,172$24,089
16 years$77,975$66,001$55,616$46,678$39,039$20,266
17 years$72,626$60,785$50,609$41,940$34,615$17,089
18 years$67,876$56,168$46,199$37,796$30,778$14,439
19 years$63,632$52,056$42,293$34,152$27,433$12,220
20 years$59,817$48,373$38,815$30,932$24,504$10,356
21 years$56,369$45,057$35,702$28,072$21,928$8,787
22 years$53,240$42,059$32,905$25,524$19,655$7,463
23 years$50,386$39,337$30,382$23,245$17,644$6,343
24 years$47,775$36,856$28,098$21,201$15,859$5,396
25 years$45,376$34,588$26,024$19,362$14,270$4,592
26 years$43,165$32,507$24,136$17,704$12,854$3,910
27 years$41,121$30,593$22,413$16,205$11,589$3,331
28 years$39,227$28,828$20,835$14,847$10,457$2,839
29 years$37,466$27,196$19,389$13,615$9,443$2,420
30 years$35,826$25,683$18,060$12,495$8,532$2,063
31 years$34,295$24,279$16,837$11,476$7,714$1,760
32 years$32,862$22,973$15,709$10,547$6,978$1,501
33 years$31,519$21,756$14,668$9,698$6,315$1,281
34 years$30,258$20,620$13,705$8,923$5,717$1,093
35 years$29,071$19,557$12,813$8,214$5,178$933
36 years$27,953$18,563$11,986$7,565$4,692$796
37 years$26,898$17,630$11,219$6,970$4,252$679
38 years$25,900$16,755$10,506$6,425$3,855$580
39 years$24,956$15,933$9,843$5,924$3,496$495
40 years$24,062$15,159$9,226$5,464$3,171$423
41 years$23,213$14,429$8,651$5,041$2,877$361
42 years$22,407$13,742$8,115$4,652$2,610$308
43 years$21,641$13,093$7,615$4,295$2,369$263
44 years$20,911$12,481$7,148$3,966$2,150$225
45 years$20,216$11,902$6,711$3,662$1,952$192
46 years$19,553$11,354$6,304$3,383$1,772$164
47 years$18,920$10,835$5,922$3,125$1,610$140
48 years$18,315$10,343$5,565$2,888$1,462$119
49 years$17,737$9,877$5,231$2,669$1,328$102
50 years$17,184$9,435$4,918$2,467$1,206$87

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $17,600,000, adding $4,881 every year, while hoping to spend $20,248 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: 60/15/25 Blend
29$17,600,000$17,600,000$17,600,000$17,600,000
30$19,400,235$18,467,435$18,194,635$20,433,938
31$21,357,515$19,350,795$18,782,611$22,021,051
32$23,513,759$20,276,762$19,389,606$23,749,345
33$25,889,240$21,247,401$20,016,236$25,634,702
34$28,506,298$22,264,879$20,663,135$27,692,400
35$31,389,552$23,331,469$21,330,961$29,939,241
36$34,566,128$24,449,554$22,020,391$32,393,715
37$38,065,924$25,621,632$22,732,124$35,076,161
38$41,921,880$26,850,324$23,466,883$38,008,961
39$46,170,302$28,138,380$24,225,413$41,216,743
40$50,851,192$29,488,680$25,008,484$44,726,610
41$56,008,637$30,904,248$25,816,891$48,568,393
42$61,691,215$32,388,254$26,651,454$52,774,923
43$67,952,461$33,944,021$27,513,021$57,382,340
44$74,851,370$35,575,036$28,402,465$62,430,425
45$82,452,953$37,284,955$29,320,690$67,962,972
46$90,828,849$39,077,613$30,268,628$74,028,193
47$100,058,006$40,957,030$31,247,241$80,679,170
48$110,227,422$42,927,424$32,257,523$87,974,347
49$121,432,969$44,993,218$33,300,500$95,978,075
50$133,780,295$47,159,049$34,377,231$104,761,212
51$147,385,826$49,429,783$35,488,809$114,401,787
52$162,377,859$51,810,521$36,636,362$124,985,725
53$178,897,777$54,306,614$37,821,057$136,607,651
54$197,101,385$56,923,672$39,044,097$149,371,776
55$217,160,376$59,667,582$40,306,724$163,392,873
56$239,263,955$62,544,514$41,610,220$178,797,346
57$263,620,626$65,560,943$42,955,910$195,724,417
58$290,460,157$68,723,656$44,345,160$214,327,433
59$320,035,753$72,039,775$45,779,383$234,775,296
60$352,626,442$75,516,767$47,260,035$257,254,052
61$388,539,714$79,162,462$48,788,620$281,968,634
62$428,114,418$82,985,076$50,366,692$309,144,783
63$471,723,967$86,993,224$51,995,855$339,031,171
64$519,779,860$91,195,940$53,677,764$371,901,728
65$572,735,565$95,602,700$55,414,128$408,058,223
66$631,090,803$100,223,443$57,206,713$447,833,089
67$695,396,267$105,068,594$59,057,340$491,592,557
68$766,258,816$110,149,085$60,967,890$539,740,087
69$844,347,207$115,476,381$62,940,306$592,720,168
70$930,398,408$121,062,510$64,976,592$651,022,495
71$1,025,224,557$126,920,084$67,078,819$715,186,572
72$1,129,720,626$133,062,333$69,249,125$785,806,790
73$1,244,872,875$139,503,133$71,489,715$863,538,015
74$1,371,768,156$146,257,034$73,802,869$949,101,754
75$1,511,604,181$153,339,302$76,190,938$1,043,292,944
76$1,665,700,825$160,765,944$78,656,351$1,146,987,432
77$1,835,512,585$168,553,752$81,201,616$1,261,150,224
78$2,022,642,319$176,720,336$83,829,320$1,386,844,567
79$2,228,856,371$185,284,168$86,542,137$1,525,241,965
80$2,456,101,249$194,264,620$89,342,827$1,677,633,212
81$2,706,522,002$203,682,013$92,234,238$1,845,440,547
82$2,982,482,473$213,557,658$95,219,311$2,030,231,058
83$3,286,587,612$223,913,909$98,301,084$2,233,731,439
84$3,621,708,070$234,774,213$101,482,692$2,457,844,264
85$3,991,007,303$246,163,159$104,767,373$2,704,665,917
86$4,397,971,436$258,106,542$108,158,468$2,976,506,346
87$4,846,442,174$270,631,414$111,659,428$3,275,910,835
88$5,340,653,074$283,766,152$115,273,817$3,605,683,997
89$5,885,269,510$297,540,515$119,005,312$3,968,916,212
90$6,485,432,722$311,985,723$122,857,712$4,369,012,760
91$7,146,808,352$327,134,515$126,834,938$4,809,725,930
92$7,875,639,933$343,021,235$130,941,037$5,295,190,396
93$8,678,807,834$359,681,905$135,180,191$5,829,962,206
94$9,563,894,220$377,154,304$139,556,713$6,419,061,748
95$10,539,254,628$395,478,063$144,075,061$7,068,021,090
96$11,614,096,859$414,694,747$148,739,835$7,782,936,159
97$12,798,567,903$434,847,954$153,555,783$8,570,524,232
98$14,103,849,738$455,983,412$158,527,810$9,438,187,298
99$15,542,264,899$478,149,087$163,660,980$10,394,081,871
100$17,127,392,814$501,395,288$168,960,519$11,447,195,937