Can I retire at age 30 with 17,800,000?

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 $17,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$1,469,907$1,456,814$1,444,040$1,431,572$1,419,397$1,372,862
2 years$727,677$714,125$700,990$688,256$675,903$629,465
3 years$480,299$466,688$453,587$440,972$428,821$383,936
4 years$356,634$343,065$330,095$317,696$305,839$262,851
5 years$282,455$268,967$256,167$244,021$232,494$191,518
6 years$233,018$219,632$207,021$195,145$183,964$145,034
7 years$197,720$184,447$172,036$160,440$149,612$112,723
8 years$171,259$158,105$145,900$134,589$124,118$89,242
9 years$150,688$137,659$125,664$114,640$104,525$71,623
10 years$134,242$121,339$109,556$98,821$89,061$58,080
11 years$120,794$108,021$96,452$86,004$76,595$47,478
12 years$109,596$96,954$85,598$75,437$66,376$39,058
13 years$100,128$87,618$76,477$66,599$57,881$32,294
14 years$92,019$79,643$68,715$59,119$50,738$26,811
15 years$84,998$72,755$62,040$52,724$44,674$22,332
16 years$78,861$66,751$56,248$47,209$39,483$18,653
17 years$73,451$61,475$51,184$42,417$35,008$15,614
18 years$68,648$56,806$46,724$38,226$31,128$13,095
19 years$64,355$52,647$42,774$34,540$27,745$10,999
20 years$60,497$48,922$39,256$31,283$24,782$9,251
21 years$57,010$45,569$36,108$28,391$22,177$7,789
22 years$53,845$42,537$33,279$25,814$19,879$6,563
23 years$50,959$39,784$30,727$23,510$17,844$5,535
24 years$48,317$37,275$28,417$21,442$16,039$4,671
25 years$45,891$34,981$26,320$19,582$14,433$3,944
26 years$43,655$32,876$24,411$17,905$13,000$3,331
27 years$41,588$30,941$22,667$16,389$11,721$2,815
28 years$39,672$29,155$21,072$15,016$10,576$2,379
29 years$37,892$27,505$19,610$13,770$9,550$2,012
30 years$36,233$25,975$18,266$12,637$8,629$1,701
31 years$34,684$24,555$17,028$11,606$7,801$1,439
32 years$33,235$23,234$15,888$10,666$7,057$1,217
33 years$31,877$22,003$14,835$9,809$6,386$1,030
34 years$30,602$20,854$13,861$9,025$5,782$872
35 years$29,401$19,780$12,959$8,308$5,237$738
36 years$28,271$18,774$12,122$7,651$4,745$624
37 years$27,203$17,831$11,346$7,050$4,301$528
38 years$26,195$16,946$10,625$6,498$3,899$447
39 years$25,240$16,114$9,955$5,991$3,536$379
40 years$24,335$15,331$9,331$5,526$3,207$321
41 years$23,477$14,593$8,749$5,099$2,909$271
42 years$22,662$13,898$8,207$4,705$2,640$230
43 years$21,887$13,242$7,701$4,344$2,396$194
44 years$21,149$12,623$7,229$4,011$2,175$165
45 years$20,446$12,037$6,788$3,704$1,974$139
46 years$19,775$11,483$6,375$3,421$1,793$118
47 years$19,135$10,958$5,989$3,161$1,628$100
48 years$18,524$10,461$5,628$2,921$1,478$85
49 years$17,939$9,990$5,290$2,699$1,343$72
50 years$17,379$9,542$4,974$2,495$1,220$61

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $17,800,000, adding $3,040 every year, while hoping to spend $45,138 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: 57/31/12 Blend
29$17,800,000$17,800,000$17,800,000$17,800,000
30$19,618,736$18,675,336$18,399,436$20,678,001
31$21,571,820$19,542,401$18,967,790$22,261,217
32$23,722,607$20,450,439$19,553,672$23,980,275
33$26,091,213$21,401,411$20,157,620$25,852,360
34$28,699,807$22,397,370$20,780,191$27,892,134
35$31,572,818$23,440,472$21,421,958$30,115,713
36$34,737,162$24,532,972$22,083,511$32,540,814
37$38,222,504$25,677,239$22,765,459$35,186,912
38$42,061,528$26,875,753$23,468,431$38,075,425
39$46,290,253$28,131,113$24,193,072$41,229,902
40$50,948,369$29,446,048$24,940,051$44,676,245
41$56,079,613$30,823,415$25,710,053$48,442,941
42$61,732,181$32,266,210$26,503,787$52,561,326
43$67,959,183$33,777,573$27,321,983$57,065,872
44$74,819,144$35,360,799$28,165,394$61,994,507
45$82,376,557$37,019,338$29,034,795$67,388,959
46$90,702,491$38,756,811$29,930,986$73,295,146
47$99,875,261$40,577,011$30,854,790$79,763,597
48$109,981,169$42,483,916$31,807,057$86,849,921
49$121,115,316$44,481,696$32,788,661$94,615,319
50$133,382,503$46,574,723$33,800,506$103,127,155
51$146,898,215$48,767,582$34,843,520$112,459,576
52$161,789,717$51,065,077$35,918,662$122,694,203
53$178,197,251$53,472,248$37,026,919$133,920,890
54$196,275,360$55,994,378$38,169,310$146,238,555
55$216,194,349$58,637,004$39,346,884$159,756,106
56$238,141,890$61,405,935$40,560,722$174,593,450
57$262,324,795$64,307,259$41,811,939$190,882,611
58$288,970,968$67,347,358$43,101,683$208,768,965
59$318,331,556$70,532,928$44,431,139$228,412,589
60$350,683,319$73,870,985$45,801,526$249,989,762
61$386,331,242$77,368,889$47,214,102$273,694,608
62$425,611,418$81,034,354$48,670,164$299,740,907
63$468,894,215$84,875,469$50,171,047$328,364,102
64$516,587,776$88,900,718$51,718,128$359,823,490
65$569,141,871$93,118,995$53,312,826$394,404,661
66$627,052,140$97,539,624$54,956,604$432,422,159
67$690,864,778$102,172,385$56,650,970$474,222,438
68$761,181,684$107,027,531$58,397,476$520,187,104
69$838,666,148$112,115,812$60,197,724$570,736,489
70$924,049,112$117,448,504$62,053,365$626,333,599
71$1,018,136,068$123,037,426$63,966,098$687,488,450
72$1,121,814,661$128,894,975$65,937,678$754,762,858
73$1,236,063,076$135,034,149$67,969,909$828,775,710
74$1,361,959,264$141,468,576$70,064,656$910,208,774
75$1,500,691,123$148,212,549$72,223,835$999,813,101
76$1,653,567,709$155,281,056$74,449,425$1,098,416,084
77$1,822,031,599$162,689,812$76,743,464$1,206,929,224
78$2,007,672,505$170,455,296$79,108,054$1,326,356,704
79$2,212,242,285$178,594,789$81,545,358$1,457,804,825
80$2,437,671,478$187,126,414$84,057,608$1,602,492,405
81$2,686,087,535$196,069,174$86,647,103$1,761,762,247
82$2,959,834,896$205,442,997$89,316,214$1,937,093,763
83$3,261,497,131$215,268,779$92,067,383$2,130,116,895
84$3,593,921,325$225,568,436$94,903,126$2,342,627,449
85$3,960,244,958$236,364,947$97,826,039$2,576,603,999
86$4,363,925,528$247,682,413$100,838,795$2,834,226,505
87$4,808,773,186$259,546,106$103,944,149$3,117,896,837
88$5,298,986,714$271,982,528$107,144,941$3,430,261,390
89$5,839,193,159$285,019,473$110,444,097$3,774,235,997
90$6,434,491,521$298,686,086$113,844,634$4,153,033,398
91$7,090,500,886$313,012,935$117,349,660$4,570,193,491
92$7,813,413,481$328,032,073$120,962,377$5,029,616,683
93$8,610,053,127$343,777,115$124,686,088$5,535,600,632
94$9,487,939,669$360,283,317$128,524,195$6,092,880,738
95$10,455,359,963$377,587,648$132,480,204$6,706,674,767
96$11,521,446,117$395,728,880$136,557,728$7,382,732,017
97$12,696,261,700$414,747,674$140,760,491$8,127,387,505
98$13,990,896,758$434,686,674$145,092,332$8,947,621,674
99$15,417,572,507$455,590,601$149,557,204$9,851,126,195
100$16,989,756,716$477,506,354$154,159,185$10,846,376,471