Can I retire at age 30 with 18,000,000?

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 $18,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$1,486,423$1,473,183$1,460,265$1,447,657$1,435,345$1,405,790
2 years$735,853$722,148$708,867$695,989$683,498$653,856
3 years$485,696$471,932$458,684$445,927$433,639$404,835
4 years$360,642$346,920$333,804$321,265$309,275$281,531
5 years$285,629$271,990$259,046$246,762$235,106$208,501
6 years$235,636$222,100$209,347$197,338$186,031$160,593
7 years$199,942$186,519$173,969$162,242$151,293$127,028
8 years$173,183$159,881$147,539$136,101$125,512$102,412
9 years$152,381$139,205$127,076$115,928$105,700$83,749
10 years$135,750$122,703$110,787$99,931$90,061$69,238
11 years$122,151$109,235$97,535$86,970$77,456$57,734
12 years$110,827$98,044$86,560$76,284$67,122$48,473
13 years$101,253$88,603$77,336$67,348$58,531$40,923
14 years$93,053$80,537$69,487$59,784$51,308$34,707
15 years$85,953$73,572$62,737$53,317$45,176$29,546
16 years$79,747$67,501$56,880$47,739$39,926$25,231
17 years$74,276$62,166$51,759$42,893$35,402$21,603
18 years$69,419$57,444$47,249$38,655$31,477$18,537
19 years$65,078$53,239$43,254$34,929$28,057$15,937
20 years$61,176$49,472$39,697$31,634$25,061$13,723
21 years$57,651$46,081$36,513$28,710$22,426$11,832
22 years$54,450$43,015$33,653$26,104$20,102$10,214
23 years$51,531$40,231$31,072$23,774$18,045$8,826
24 years$48,860$37,694$28,737$21,683$16,219$7,633
25 years$46,407$35,374$26,616$19,802$14,595$6,606
26 years$44,146$33,246$24,685$18,106$13,146$5,721
27 years$42,055$31,288$22,922$16,573$11,853$4,957
28 years$40,118$29,483$21,309$15,184$10,695$4,298
29 years$38,318$27,814$19,830$13,924$9,657$3,727
30 years$36,640$26,267$18,471$12,779$8,726$3,234
31 years$35,074$24,831$17,220$11,737$7,889$2,806
32 years$33,609$23,495$16,066$10,786$7,136$2,436
33 years$32,235$22,250$15,001$9,919$6,458$2,115
34 years$30,945$21,088$14,016$9,126$5,847$1,837
35 years$29,732$20,002$13,104$8,401$5,296$1,595
36 years$28,588$18,985$12,259$7,737$4,798$1,386
37 years$27,509$18,031$11,474$7,129$4,349$1,204
38 years$26,489$17,136$10,745$6,571$3,943$1,046
39 years$25,524$16,295$10,067$6,059$3,575$909
40 years$24,609$15,503$9,436$5,588$3,243$790
41 years$23,741$14,757$8,848$5,156$2,942$687
42 years$22,917$14,054$8,299$4,758$2,670$597
43 years$22,133$13,391$7,788$4,392$2,423$519
44 years$21,387$12,764$7,310$4,056$2,199$451
45 years$20,676$12,172$6,864$3,745$1,997$392
46 years$19,997$11,612$6,447$3,460$1,813$341
47 years$19,350$11,081$6,057$3,196$1,646$296
48 years$18,732$10,578$5,692$2,954$1,495$258
49 years$18,140$10,102$5,350$2,730$1,358$224
50 years$17,574$9,650$5,030$2,523$1,233$195

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $18,000,000, adding $6,745 every year, while hoping to spend $32,863 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: 43/31/26 Blend
29$18,000,000$18,000,000$18,000,000$18,000,000
30$19,842,957$18,888,957$18,609,957$20,545,494
31$21,831,973$19,779,550$19,198,425$21,938,589
32$24,022,767$20,712,681$19,805,505$23,443,366
33$26,435,886$21,690,399$20,431,786$25,073,156
34$29,093,971$22,714,853$21,077,875$26,839,548
35$32,021,971$23,788,296$21,744,400$28,755,267
36$35,247,381$24,913,092$22,432,006$30,834,283
37$38,800,497$26,091,716$23,141,361$33,091,937
38$42,714,703$27,326,766$23,873,152$35,545,079
39$47,026,791$28,620,965$24,628,090$38,212,217
40$51,777,299$29,977,168$25,406,907$41,113,688
41$57,010,903$31,398,369$26,210,358$44,271,839
42$62,776,834$32,887,707$27,039,223$47,711,226
43$69,129,339$34,448,473$27,894,306$51,458,844
44$76,128,202$36,084,119$28,776,436$55,544,367
45$83,839,301$37,798,263$29,686,469$60,000,417
46$92,335,232$39,594,700$30,625,287$64,862,867
47$101,695,994$41,477,409$31,593,803$70,171,164
48$112,009,744$43,450,561$32,592,954$75,968,692
49$123,373,631$45,518,531$33,623,711$82,303,168
50$135,894,709$47,685,907$34,687,073$89,227,081
51$149,690,952$49,957,499$35,784,072$96,798,177
52$164,892,363$52,338,351$36,915,773$105,079,985
53$181,642,206$54,833,752$38,083,274$114,142,408
54$200,098,354$57,449,248$39,287,706$124,062,362
55$220,434,781$60,190,657$40,530,239$134,924,493
56$242,843,205$63,064,075$41,812,079$146,821,956
57$267,534,897$66,075,900$43,134,468$159,857,278
58$294,742,675$69,232,837$44,498,691$174,143,307
59$324,723,101$72,541,919$45,906,070$189,804,262
60$357,758,906$76,010,522$47,357,972$206,976,881
61$394,161,655$79,646,378$48,855,805$225,811,698
62$434,274,692$83,457,599$50,401,023$246,474,438
63$478,476,378$87,452,689$51,995,125$269,147,558
64$527,183,665$91,640,567$53,639,658$294,031,953
65$580,856,030$96,030,585$55,336,217$321,348,820
66$639,999,814$100,632,554$57,086,450$351,341,727
67$705,173,003$105,456,757$58,892,054$384,278,882
68$776,990,494$110,513,982$60,754,782$420,455,639
69$856,129,899$115,815,542$62,676,442$460,197,256
70$943,337,943$121,373,298$64,658,897$503,861,935
71$1,039,437,517$127,199,693$66,704,074$551,844,173
72$1,145,335,438$133,307,773$68,813,955$604,578,453
73$1,262,031,020$139,711,220$70,990,589$662,543,308
74$1,390,625,498$146,424,385$73,236,089$726,265,805
75$1,532,332,434$153,462,315$75,552,633$796,326,480
76$1,688,489,167$160,840,792$77,942,470$873,364,781
77$1,860,569,439$168,576,368$80,407,920$958,085,063
78$2,050,197,311$176,686,400$82,951,375$1,051,263,190
79$2,259,162,495$185,189,091$85,575,304$1,153,753,819
80$2,489,437,247$194,103,534$88,282,254$1,266,498,416
81$2,743,194,989$203,449,751$91,074,852$1,390,534,096
82$3,022,830,828$213,248,738$93,955,810$1,527,003,362
83$3,330,984,166$223,522,520$96,927,923$1,677,164,833
84$3,670,563,619$234,294,192$99,994,077$1,842,405,073
85$4,044,774,477$245,587,976$103,157,247$2,024,251,618
86$4,457,148,963$257,429,277$106,420,505$2,224,387,333
87$4,911,579,584$269,844,737$109,787,018$2,444,666,236
88$5,412,355,872$282,862,300$113,260,053$2,687,130,933
89$5,964,204,890$296,511,271$116,842,984$2,954,031,824
90$6,572,335,852$310,822,387$120,539,287$3,247,848,278
91$7,242,489,307$325,827,882$124,352,552$3,571,311,959
92$7,980,991,333$341,561,566$128,286,479$3,927,432,531
93$8,794,813,262$358,058,895$132,344,889$4,319,525,987
94$9,691,637,493$375,357,059$136,531,721$4,751,245,861
95$10,679,930,024$393,495,062$140,851,040$5,226,617,628
96$11,769,020,376$412,513,810$145,307,040$5,750,076,604
97$12,969,189,675$432,456,207$149,904,047$6,326,509,718
98$14,291,767,714$453,367,253$154,646,524$6,961,301,539
99$15,749,239,914$475,294,142$159,539,076$7,660,384,995
100$17,355,365,203$498,286,372$164,586,453$8,430,297,263