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%11.7%
1 years$1,469,907$1,456,814$1,444,040$1,431,572$1,419,397$1,409,271
2 years$727,677$714,125$700,990$688,256$675,903$665,692
3 years$480,299$466,688$453,587$440,972$428,821$418,841
4 years$356,634$343,065$330,095$317,696$305,839$296,167
5 years$282,455$268,967$256,167$244,021$232,494$223,159
6 years$233,018$219,632$207,021$195,145$183,964$174,979
7 years$197,720$184,447$172,036$160,440$149,612$140,980
8 years$171,259$158,105$145,900$134,589$124,118$115,838
9 years$150,688$137,659$125,664$114,640$104,525$96,597
10 years$134,242$121,339$109,556$98,821$89,061$81,479
11 years$120,794$108,021$96,452$86,004$76,595$69,354
12 years$109,596$96,954$85,598$75,437$66,376$59,470
13 years$100,128$87,618$76,477$66,599$57,881$51,303
14 years$92,019$79,643$68,715$59,119$50,738$44,479
15 years$84,998$72,755$62,040$52,724$44,674$38,726
16 years$78,861$66,751$56,248$47,209$39,483$33,837
17 years$73,451$61,475$51,184$42,417$35,008$29,656
18 years$68,648$56,806$46,724$38,226$31,128$26,058
19 years$64,355$52,647$42,774$34,540$27,745$22,949
20 years$60,497$48,922$39,256$31,283$24,782$20,250
21 years$57,010$45,569$36,108$28,391$22,177$17,899
22 years$53,845$42,537$33,279$25,814$19,879$15,844
23 years$50,959$39,784$30,727$23,510$17,844$14,043
24 years$48,317$37,275$28,417$21,442$16,039$12,461
25 years$45,891$34,981$26,320$19,582$14,433$11,068
26 years$43,655$32,876$24,411$17,905$13,000$9,839
27 years$41,588$30,941$22,667$16,389$11,721$8,754
28 years$39,672$29,155$21,072$15,016$10,576$7,794
29 years$37,892$27,505$19,610$13,770$9,550$6,943
30 years$36,233$25,975$18,266$12,637$8,629$6,189
31 years$34,684$24,555$17,028$11,606$7,801$5,519
32 years$33,235$23,234$15,888$10,666$7,057$4,923
33 years$31,877$22,003$14,835$9,809$6,386$4,394
34 years$30,602$20,854$13,861$9,025$5,782$3,923
35 years$29,401$19,780$12,959$8,308$5,237$3,503
36 years$28,271$18,774$12,122$7,651$4,745$3,129
37 years$27,203$17,831$11,346$7,050$4,301$2,796
38 years$26,195$16,946$10,625$6,498$3,899$2,499
39 years$25,240$16,114$9,955$5,991$3,536$2,233
40 years$24,335$15,331$9,331$5,526$3,207$1,997
41 years$23,477$14,593$8,749$5,099$2,909$1,785
42 years$22,662$13,898$8,207$4,705$2,640$1,596
43 years$21,887$13,242$7,701$4,344$2,396$1,428
44 years$21,149$12,623$7,229$4,011$2,175$1,277
45 years$20,446$12,037$6,788$3,704$1,974$1,142
46 years$19,775$11,483$6,375$3,421$1,793$1,022
47 years$19,135$10,958$5,989$3,161$1,628$914
48 years$18,524$10,461$5,628$2,921$1,478$818
49 years$17,939$9,990$5,290$2,699$1,343$732
50 years$17,379$9,542$4,974$2,495$1,220$655

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 $5,370 every year, while hoping to spend $48,286 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: 67/7/26 Blend
29$17,800,000$17,800,000$17,800,000$17,800,000
30$19,621,139$18,677,739$18,401,839$20,802,891
31$21,571,119$19,541,572$18,966,925$22,462,495
32$23,718,379$20,446,115$19,549,323$24,270,950
33$26,082,990$21,393,311$20,149,561$26,247,814
34$28,687,070$22,385,198$20,768,186$28,409,714
35$31,554,989$23,423,911$21,405,759$30,774,951
36$34,713,605$24,511,689$22,062,858$33,363,675
37$38,192,509$25,650,878$22,740,080$36,198,068
38$42,024,312$26,843,938$23,438,040$39,302,554
39$46,244,948$28,093,448$24,157,371$42,704,023
40$50,894,015$29,402,109$24,898,725$46,432,086
41$56,015,148$30,772,755$25,662,775$50,519,350
42$61,656,429$32,208,356$26,450,214$55,001,720
43$67,870,844$33,712,026$27,261,756$59,918,739
44$74,716,782$35,287,027$28,098,137$65,313,954
45$82,258,584$36,936,781$28,960,114$71,235,326
46$90,567,151$38,664,875$29,848,470$77,735,678
47$99,720,615$40,475,068$30,764,008$84,873,191
48$109,805,074$42,371,303$31,707,559$92,711,946
49$120,915,406$44,357,711$32,679,976$101,322,530
50$133,156,164$46,438,626$33,682,142$110,782,692
51$146,642,562$48,618,587$34,714,963$121,178,078
52$161,501,563$50,902,358$35,779,374$132,603,030
53$177,873,078$53,294,929$36,876,338$145,161,476
54$195,911,286$55,801,535$38,006,850$158,967,904
55$215,786,088$58,427,661$39,171,930$174,148,437
56$237,684,714$61,179,061$40,372,635$190,842,019
57$261,813,485$64,061,766$41,610,049$209,201,721
58$288,399,766$67,082,098$42,885,291$229,396,181
59$317,694,110$70,246,688$44,199,516$251,611,188
60$349,972,619$73,562,486$45,553,910$276,051,432
61$385,539,559$77,036,780$46,949,698$302,942,426
62$424,730,223$80,677,211$48,388,142$332,532,632
63$467,914,102$84,491,791$49,870,541$365,095,798
64$515,498,370$88,488,919$51,398,234$400,933,534
65$567,931,731$92,677,403$52,972,602$440,378,152
66$625,708,648$97,066,477$54,595,065$483,795,797
67$689,374,020$101,665,823$56,267,089$531,589,893
68$759,528,317$106,485,596$57,990,183$584,204,943
69$836,833,254$111,536,438$59,765,903$642,130,717
70$922,018,035$116,829,513$61,595,850$705,906,867
71$1,015,886,239$122,376,524$63,481,676$776,128,011
72$1,119,323,405$128,189,743$65,425,081$853,449,336
73$1,233,305,390$134,282,038$67,427,819$938,592,772
74$1,358,907,583$140,666,902$69,491,695$1,032,353,799
75$1,497,315,060$147,358,483$71,618,570$1,135,608,945
76$1,649,833,764$154,371,617$73,810,360$1,249,324,045
77$1,817,902,842$161,721,860$76,069,041$1,374,563,353
78$2,003,108,227$169,425,526$78,396,649$1,512,499,570
79$2,207,197,608$177,499,718$80,795,278$1,664,424,907
80$2,432,096,934$185,962,375$83,267,091$1,831,763,267
81$2,679,928,595$194,832,306$85,814,312$2,016,083,674
82$2,953,031,456$204,129,232$88,439,235$2,219,115,070
83$3,253,982,937$213,873,838$91,144,223$2,442,762,624
84$3,585,623,352$224,087,810$93,931,709$2,689,125,698
85$3,951,082,714$234,793,894$96,804,202$2,960,517,653
86$4,353,810,294$246,015,937$99,764,285$3,259,487,668
87$4,797,607,176$257,778,951$102,814,621$3,588,844,789
88$5,286,662,150$270,109,161$105,957,953$3,951,684,430
89$5,825,591,251$283,034,072$109,197,106$4,351,417,575
90$6,419,481,342$296,582,524$112,534,992$4,791,802,957
91$7,073,938,135$310,784,764$115,974,611$5,276,982,528
92$7,795,139,116$325,672,509$119,519,052$5,811,520,532
93$8,589,891,865$341,279,021$123,171,499$6,400,446,576
94$9,465,698,324$357,639,182$126,935,233$7,049,303,087
95$10,430,825,623$374,789,572$130,813,633$7,764,197,614
96$11,494,384,128$392,768,552$134,810,181$8,551,860,457
97$12,666,413,450$411,616,352$138,928,463$9,419,708,182
98$13,957,977,230$431,375,162$143,172,175$10,375,913,610
99$15,381,267,589$452,089,226$147,545,125$11,429,482,943
100$16,949,720,230$473,804,945$152,051,233$12,590,340,760