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%18.1%
1 years$1,486,423$1,473,183$1,460,265$1,447,657$1,435,345$1,388,288
2 years$735,853$722,148$708,867$695,989$683,498$636,537
3 years$485,696$471,932$458,684$445,927$433,639$388,250
4 years$360,642$346,920$333,804$321,265$309,275$265,804
5 years$285,629$271,990$259,046$246,762$235,106$193,670
6 years$235,636$222,100$209,347$197,338$186,031$146,664
7 years$199,942$186,519$173,969$162,242$151,293$113,989
8 years$173,183$159,881$147,539$136,101$125,512$90,245
9 years$152,381$139,205$127,076$115,928$105,700$72,428
10 years$135,750$122,703$110,787$99,931$90,061$58,733
11 years$122,151$109,235$97,535$86,970$77,456$48,012
12 years$110,827$98,044$86,560$76,284$67,122$39,497
13 years$101,253$88,603$77,336$67,348$58,531$32,657
14 years$93,053$80,537$69,487$59,784$51,308$27,112
15 years$85,953$73,572$62,737$53,317$45,176$22,583
16 years$79,747$67,501$56,880$47,739$39,926$18,862
17 years$74,276$62,166$51,759$42,893$35,402$15,790
18 years$69,419$57,444$47,249$38,655$31,477$13,242
19 years$65,078$53,239$43,254$34,929$28,057$11,123
20 years$61,176$49,472$39,697$31,634$25,061$9,355
21 years$57,651$46,081$36,513$28,710$22,426$7,876
22 years$54,450$43,015$33,653$26,104$20,102$6,637
23 years$51,531$40,231$31,072$23,774$18,045$5,597
24 years$48,860$37,694$28,737$21,683$16,219$4,723
25 years$46,407$35,374$26,616$19,802$14,595$3,988
26 years$44,146$33,246$24,685$18,106$13,146$3,369
27 years$42,055$31,288$22,922$16,573$11,853$2,846
28 years$40,118$29,483$21,309$15,184$10,695$2,406
29 years$38,318$27,814$19,830$13,924$9,657$2,034
30 years$36,640$26,267$18,471$12,779$8,726$1,720
31 years$35,074$24,831$17,220$11,737$7,889$1,455
32 years$33,609$23,495$16,066$10,786$7,136$1,231
33 years$32,235$22,250$15,001$9,919$6,458$1,042
34 years$30,945$21,088$14,016$9,126$5,847$881
35 years$29,732$20,002$13,104$8,401$5,296$746
36 years$28,588$18,985$12,259$7,737$4,798$631
37 years$27,509$18,031$11,474$7,129$4,349$534
38 years$26,489$17,136$10,745$6,571$3,943$452
39 years$25,524$16,295$10,067$6,059$3,575$383
40 years$24,609$15,503$9,436$5,588$3,243$324
41 years$23,741$14,757$8,848$5,156$2,942$274
42 years$22,917$14,054$8,299$4,758$2,670$232
43 years$22,133$13,391$7,788$4,392$2,423$197
44 years$21,387$12,764$7,310$4,056$2,199$167
45 years$20,676$12,172$6,864$3,745$1,997$141
46 years$19,997$11,612$6,447$3,460$1,813$119
47 years$19,350$11,081$6,057$3,196$1,646$101
48 years$18,732$10,578$5,692$2,954$1,495$86
49 years$18,140$10,102$5,350$2,730$1,358$72
50 years$17,574$9,650$5,030$2,523$1,233$61

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 $3,972 every year, while hoping to spend $49,194 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: 80/7/13 Blend
29$18,000,000$18,000,000$18,000,000$18,000,000
30$19,840,097$18,886,097$18,607,097$21,377,426
31$21,811,445$19,759,174$19,178,093$23,261,237
32$23,982,222$20,673,383$19,766,568$25,321,336
33$26,372,717$21,630,687$20,373,057$27,580,728
34$29,005,288$22,633,145$20,998,108$30,059,349
35$31,904,572$23,682,913$21,642,290$32,779,153
36$35,097,716$24,782,254$22,306,184$35,764,319
37$38,614,636$25,933,537$22,990,394$39,041,473
38$42,488,296$27,139,248$23,695,539$42,639,944
39$46,755,020$28,401,989$24,422,258$46,592,033
40$51,454,838$29,724,492$25,171,209$50,933,317
41$56,631,857$31,109,617$25,943,070$55,702,985
42$62,334,683$32,560,366$26,738,540$60,944,202
43$68,616,879$34,079,882$27,558,339$66,704,515
44$75,537,467$35,671,462$28,403,209$73,036,301
45$83,161,487$37,338,562$29,273,915$79,997,257
46$91,560,611$39,084,805$30,171,245$87,650,940
47$100,813,822$40,913,988$31,096,009$96,067,368
48$111,008,151$42,830,093$32,049,045$105,323,676
49$122,239,509$44,837,294$33,031,214$115,504,838
50$134,613,583$46,939,966$34,043,405$126,704,472
51$148,246,841$49,142,697$35,086,531$139,025,714
52$163,267,626$51,450,295$36,161,537$152,582,191
53$179,817,368$53,867,804$37,269,393$167,499,090
54$198,051,922$56,400,509$38,411,100$183,914,335
55$218,143,035$59,053,952$39,587,689$201,979,884
56$240,279,972$61,833,942$40,800,224$221,863,163
57$264,671,296$64,746,572$42,049,798$243,748,635
58$291,546,842$67,798,228$43,337,540$267,839,544
59$321,159,885$70,995,606$44,664,613$294,359,825
60$353,789,529$74,345,726$46,032,213$323,556,214
61$389,743,343$77,855,950$47,441,575$355,700,569
62$429,360,266$81,533,993$48,893,969$391,092,438
63$473,013,803$85,387,949$50,390,707$430,061,872
64$521,115,553$89,426,300$51,933,138$472,972,541
65$574,119,093$93,657,942$53,522,651$520,225,160
66$632,524,261$98,092,202$55,160,681$572,261,265
67$696,881,874$102,738,859$56,848,702$629,567,371
68$767,798,929$107,608,166$58,588,237$692,679,565
69$845,944,328$112,710,875$60,380,852$762,188,552
70$932,055,201$118,058,259$62,228,162$838,745,230
71$1,026,943,856$123,662,138$64,131,829$923,066,823
72$1,131,505,453$129,534,907$66,093,569$1,015,943,643
73$1,246,726,452$135,689,560$68,115,147$1,118,246,547
74$1,373,693,929$142,139,727$70,198,383$1,230,935,145
75$1,513,605,831$148,899,695$72,345,150$1,355,066,850
76$1,667,782,293$155,984,447$74,557,380$1,491,806,854
77$1,837,678,097$163,409,696$76,837,063$1,642,439,113
78$2,024,896,407$171,191,915$79,186,249$1,808,378,462
79$2,231,203,902$179,348,380$81,607,049$1,991,183,958
80$2,458,547,455$187,897,205$84,101,640$2,192,573,589
81$2,709,072,514$196,857,387$86,672,264$2,414,440,477
82$2,985,143,355$206,248,844$89,321,230$2,658,870,742
83$3,289,365,404$216,092,464$92,050,917$2,928,163,181
84$3,624,609,831$226,410,151$94,863,779$3,224,850,957
85$3,994,040,658$237,224,872$97,762,339$3,551,725,497
86$4,401,144,628$248,560,714$100,749,201$3,911,862,835
87$4,849,764,127$260,442,935$103,827,045$4,308,652,632
88$5,344,133,450$272,898,022$106,998,634$4,745,830,160
89$5,888,918,786$285,953,749$110,266,812$5,227,511,554
90$6,489,262,264$299,639,244$113,634,512$5,758,232,647
91$7,150,830,500$313,985,052$117,104,753$6,342,991,779
92$7,879,868,095$329,023,204$120,680,647$6,987,296,962
93$8,683,256,592$344,787,292$124,365,399$7,697,217,859
94$9,568,579,436$361,312,541$128,162,312$8,479,443,070
95$10,544,193,576$378,635,894$132,074,788$9,341,343,251
96$11,619,308,359$396,796,090$136,106,331$10,291,040,677
97$12,804,072,471$415,833,758$140,260,553$11,337,485,901
98$14,109,669,755$435,791,504$144,541,173$12,490,542,228
99$15,548,424,791$456,714,008$148,952,023$13,761,078,804
100$17,133,919,255$478,648,130$153,497,051$15,161,073,208