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%12.2%
1 years$1,486,423$1,473,183$1,460,265$1,447,657$1,435,345$1,422,132
2 years$735,853$722,148$708,867$695,989$683,498$670,185
3 years$485,696$471,932$458,684$445,927$433,639$420,639
4 years$360,642$346,920$333,804$321,265$309,275$296,688
5 years$285,629$271,990$259,046$246,762$235,106$222,970
6 years$235,636$222,100$209,347$197,338$186,031$174,360
7 years$199,942$186,519$173,969$162,242$151,293$140,093
8 years$173,183$159,881$147,539$136,101$125,512$114,782
9 years$152,381$139,205$127,076$115,928$105,700$95,436
10 years$135,750$122,703$110,787$99,931$90,061$80,259
11 years$122,151$109,235$97,535$86,970$77,456$68,106
12 years$110,827$98,044$86,560$76,284$67,122$58,216
13 years$101,253$88,603$77,336$67,348$58,531$50,059
14 years$93,053$80,537$69,487$59,784$51,308$43,259
15 years$85,953$73,572$62,737$53,317$45,176$37,538
16 years$79,747$67,501$56,880$47,739$39,926$32,687
17 years$74,276$62,166$51,759$42,893$35,402$28,548
18 years$69,419$57,444$47,249$38,655$31,477$24,997
19 years$65,078$53,239$43,254$34,929$28,057$21,935
20 years$61,176$49,472$39,697$31,634$25,061$19,285
21 years$57,651$46,081$36,513$28,710$22,426$16,983
22 years$54,450$43,015$33,653$26,104$20,102$14,977
23 years$51,531$40,231$31,072$23,774$18,045$13,224
24 years$48,860$37,694$28,737$21,683$16,219$11,689
25 years$46,407$35,374$26,616$19,802$14,595$10,342
26 years$44,146$33,246$24,685$18,106$13,146$9,159
27 years$42,055$31,288$22,922$16,573$11,853$8,116
28 years$40,118$29,483$21,309$15,184$10,695$7,197
29 years$38,318$27,814$19,830$13,924$9,657$6,386
30 years$36,640$26,267$18,471$12,779$8,726$5,669
31 years$35,074$24,831$17,220$11,737$7,889$5,034
32 years$33,609$23,495$16,066$10,786$7,136$4,473
33 years$32,235$22,250$15,001$9,919$6,458$3,975
34 years$30,945$21,088$14,016$9,126$5,847$3,534
35 years$29,732$20,002$13,104$8,401$5,296$3,143
36 years$28,588$18,985$12,259$7,737$4,798$2,796
37 years$27,509$18,031$11,474$7,129$4,349$2,487
38 years$26,489$17,136$10,745$6,571$3,943$2,213
39 years$25,524$16,295$10,067$6,059$3,575$1,970
40 years$24,609$15,503$9,436$5,588$3,243$1,754
41 years$23,741$14,757$8,848$5,156$2,942$1,561
42 years$22,917$14,054$8,299$4,758$2,670$1,390
43 years$22,133$13,391$7,788$4,392$2,423$1,238
44 years$21,387$12,764$7,310$4,056$2,199$1,102
45 years$20,676$12,172$6,864$3,745$1,997$982
46 years$19,997$11,612$6,447$3,460$1,813$875
47 years$19,350$11,081$6,057$3,196$1,646$779
48 years$18,732$10,578$5,692$2,954$1,495$694
49 years$18,140$10,102$5,350$2,730$1,358$618
50 years$17,574$9,650$5,030$2,523$1,233$551

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 $6,230 every year, while hoping to spend $45,208 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: 64/11/25 Blend
29$18,000,000$18,000,000$18,000,000$18,000,000
30$19,842,426$18,888,426$18,609,426$20,981,704
31$21,818,253$19,765,858$19,184,741$22,629,419
32$23,994,098$20,684,769$19,777,814$24,423,388
33$26,390,317$21,647,144$20,389,191$26,382,530
34$29,029,339$22,655,063$21,019,438$28,523,050
35$31,935,877$23,710,707$21,669,135$30,862,781
36$35,137,167$24,816,362$22,338,882$33,421,350
37$38,663,219$25,974,425$23,029,296$36,220,358
38$42,547,104$27,187,408$23,741,013$39,283,585
39$46,825,262$28,457,944$24,474,691$42,637,204
40$51,537,851$29,788,795$25,231,005$46,310,031
41$56,729,120$31,182,855$26,010,652$50,333,790
42$62,447,833$32,643,157$26,814,352$54,743,408
43$68,747,723$34,172,884$27,642,844$59,577,339
44$75,688,004$35,775,368$28,496,892$64,877,930
45$83,333,926$37,454,106$29,377,283$70,691,806
46$91,757,393$39,212,764$30,284,829$77,070,312
47$101,037,641$41,055,183$31,220,364$84,069,991
48$111,261,985$42,985,392$32,184,752$91,753,114
49$122,526,645$45,007,614$33,178,879$100,188,259
50$134,937,653$47,126,278$34,203,661$109,450,954
51$148,611,852$49,346,024$35,260,042$119,624,388
52$163,678,003$51,671,720$36,348,995$130,800,186
53$180,277,994$54,108,470$37,471,521$143,079,267
54$198,568,187$56,661,622$38,628,655$156,572,793
55$218,720,887$59,336,787$39,821,460$171,403,213
56$240,925,973$62,139,845$41,051,035$187,705,404
57$265,392,688$65,076,963$42,318,510$205,627,947
58$292,351,615$68,154,606$43,625,052$225,334,514
59$322,056,851$71,379,554$44,971,863$247,005,409
60$354,788,411$74,758,913$46,360,181$270,839,259
61$390,854,865$78,300,136$47,791,284$297,054,885
62$430,596,255$82,011,037$49,266,486$325,893,353
63$474,387,305$85,899,809$50,787,145$357,620,244
64$522,640,954$89,975,044$52,354,658$392,528,148
65$575,812,259$94,245,748$53,970,466$430,939,420
66$634,402,687$98,721,368$55,636,055$473,209,209
67$698,964,853$103,411,807$57,352,955$519,728,802
68$770,107,732$108,327,449$59,122,743$570,929,302
69$848,502,411$113,479,185$60,947,046$627,285,692
70$934,888,424$118,878,432$62,827,539$689,321,300
71$1,030,080,732$124,537,164$64,765,949$757,612,730
72$1,134,977,416$130,467,934$66,764,058$832,795,291
73$1,250,568,158$136,683,908$68,823,700$915,568,977
74$1,377,943,582$143,198,891$70,946,765$1,006,705,068
75$1,518,305,549$150,027,359$73,135,203$1,107,053,385
76$1,672,978,506$157,184,490$75,391,024$1,217,550,306
77$1,843,421,987$164,686,204$77,716,297$1,339,227,583
78$2,031,244,393$172,549,191$80,113,156$1,473,222,067
79$2,238,218,175$180,790,956$82,583,801$1,620,786,420
80$2,466,296,569$189,429,852$85,130,498$1,783,300,926
81$2,717,632,033$198,485,130$87,755,584$1,962,286,495
82$2,994,596,571$207,976,972$90,461,467$2,159,419,005
83$3,299,804,123$217,926,545$93,250,628$2,376,545,101
84$3,636,135,245$228,356,047$96,125,625$2,615,699,602
85$4,006,764,301$239,288,754$99,089,094$2,879,124,694
86$4,415,189,433$250,749,076$102,143,752$3,169,291,064
87$4,865,265,587$262,762,613$105,292,399$3,488,921,207
88$5,361,240,903$275,356,207$108,537,921$3,841,015,095
89$5,907,796,826$288,558,012$111,883,292$4,228,878,474
90$6,510,092,297$302,397,550$115,331,578$4,656,154,043
91$7,173,812,463$316,905,781$118,885,937$5,126,855,811
92$7,905,222,344$332,115,175$122,549,626$5,645,406,959
93$8,711,225,985$348,059,780$126,326,001$6,216,681,570
94$9,599,431,633$364,775,307$130,218,519$6,846,050,603
95$10,578,223,566$382,299,203$134,230,745$7,539,432,563
96$11,656,841,248$400,670,742$138,366,353$8,303,349,343
97$12,845,466,558$419,931,111$142,629,129$9,144,987,750
98$14,155,319,916$440,123,504$147,022,974$10,072,267,314
99$15,598,766,213$461,293,222$151,551,909$11,093,915,012
100$17,189,431,548$483,487,771$156,220,079$12,219,547,614