Can I retire at age 30 with 18,100,000?

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 $18,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$1,494,681$1,481,367$1,468,378$1,455,699$1,443,319$1,428,246
2 years$739,941$726,160$712,805$699,855$687,295$672,116
3 years$488,394$474,554$461,232$448,404$436,048$421,234
4 years$362,645$348,847$335,659$323,050$310,993$296,658
5 years$287,216$273,501$260,485$248,133$236,412$222,598
6 years$236,946$223,334$210,510$198,434$187,065$173,789
7 years$201,052$187,555$174,935$163,144$152,134$139,401
8 years$174,145$160,770$148,359$136,857$126,210$114,020
9 years$153,228$139,979$127,782$116,572$106,287$94,636
10 years$136,504$123,384$111,403$100,486$90,562$79,442
11 years$122,830$109,842$98,077$87,453$77,886$67,288
12 years$111,443$98,588$87,041$76,708$67,494$57,407
13 years$101,815$89,095$77,765$67,722$58,856$49,269
14 years$93,570$80,985$69,873$60,116$51,593$42,491
15 years$86,431$73,981$63,086$53,613$45,427$36,797
16 years$80,190$67,876$57,196$48,004$40,148$31,976
17 years$74,689$62,512$52,046$43,132$35,598$27,869
18 years$69,805$57,763$47,512$38,870$31,652$24,350
19 years$65,440$53,535$43,495$35,123$28,212$21,321
20 years$61,516$49,747$39,917$31,810$25,200$18,704
21 years$57,971$46,337$36,716$28,870$22,551$16,434
22 years$54,752$43,254$33,840$26,249$20,214$14,460
23 years$51,818$40,455$31,245$23,906$18,145$12,739
24 years$49,132$37,903$28,896$21,803$16,309$11,235
25 years$46,665$35,571$26,764$19,912$14,676$9,917
26 years$44,391$33,431$24,822$18,207$13,219$8,761
27 years$42,289$31,462$23,049$16,665$11,918$7,745
28 years$40,341$29,647$21,427$15,269$10,754$6,852
29 years$38,530$27,968$19,940$14,002$9,711$6,065
30 years$36,844$26,413$18,573$12,850$8,774$5,370
31 years$35,269$24,969$17,315$11,802$7,933$4,758
32 years$33,796$23,626$16,156$10,846$7,176$4,217
33 years$32,414$22,374$15,085$9,974$6,494$3,738
34 years$31,117$21,205$14,094$9,177$5,880$3,315
35 years$29,897$20,113$13,177$8,448$5,325$2,941
36 years$28,747$19,090$12,327$7,780$4,825$2,609
37 years$27,662$18,131$11,538$7,168$4,373$2,316
38 years$26,636$17,231$10,805$6,607$3,965$2,055
39 years$25,665$16,385$10,123$6,092$3,595$1,825
40 years$24,746$15,589$9,488$5,619$3,261$1,620
41 years$23,873$14,839$8,897$5,184$2,959$1,439
42 years$23,044$14,133$8,345$4,785$2,685$1,278
43 years$22,256$13,465$7,831$4,417$2,436$1,135
44 years$21,505$12,835$7,351$4,078$2,212$1,008
45 years$20,790$12,240$6,902$3,766$2,008$895
46 years$20,109$11,676$6,483$3,479$1,823$795
47 years$19,458$11,143$6,090$3,214$1,655$707
48 years$18,836$10,637$5,723$2,970$1,503$628
49 years$18,241$10,158$5,379$2,745$1,365$558
50 years$17,672$9,703$5,058$2,537$1,240$496

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $18,100,000, adding $4,822 every year, while hoping to spend $35,904 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: 46/31/23 Blend
29$18,100,000$18,100,000$18,100,000$18,100,000
30$19,951,174$18,991,874$18,711,324$20,737,045
31$21,947,992$19,884,274$19,299,952$22,182,405
32$24,147,282$20,819,199$19,907,095$23,745,703
33$26,569,659$21,798,693$20,533,337$25,441,123
34$29,237,838$22,824,903$21,179,277$27,281,022
35$32,176,850$23,900,076$21,845,535$29,278,967
36$35,414,279$25,026,570$22,532,751$31,449,859
37$38,980,521$26,206,857$23,241,584$33,810,067
38$42,909,070$27,443,529$23,972,713$36,377,574
39$47,236,835$28,739,302$24,726,839$39,172,142
40$52,004,491$30,097,027$25,504,687$42,215,486
41$57,256,857$31,519,689$26,307,002$45,531,476
42$63,043,323$33,010,420$27,134,553$49,146,350
43$69,418,316$34,572,505$27,988,135$53,088,955
44$76,441,813$36,209,386$28,868,565$57,391,008
45$84,179,905$37,924,673$29,776,690$62,087,387
46$92,705,425$39,722,152$30,713,379$67,216,451
47$102,098,632$41,605,791$31,679,530$72,820,389
48$112,447,970$43,579,752$32,676,072$78,945,609
49$123,850,901$45,648,398$33,703,958$85,643,162
50$136,414,828$47,816,305$34,764,176$92,969,215
51$150,258,107$50,088,270$35,857,742$100,985,568
52$165,511,162$52,469,324$36,985,705$109,760,220
53$182,317,721$54,964,741$38,149,147$119,368,003
54$200,836,168$57,580,053$39,349,183$129,891,268
55$221,241,041$60,321,059$40,586,964$141,420,652
56$243,724,678$63,193,842$41,863,678$154,055,916
57$268,499,033$66,204,778$43,180,549$167,906,868
58$295,797,677$69,360,555$44,538,841$183,094,384
59$325,878,003$72,668,185$45,939,854$199,751,533
60$359,023,654$76,135,021$47,384,934$218,024,810
61$395,547,204$79,768,774$48,875,467$238,075,501
62$435,793,104$83,577,530$50,412,880$260,081,187
63$480,140,939$87,569,767$51,998,650$284,237,392
64$529,009,007$91,754,377$53,634,297$310,759,414
65$582,858,269$96,140,685$55,321,389$339,884,330
66$642,196,702$100,738,468$57,061,545$371,873,206
67$707,584,092$105,557,979$58,856,433$407,013,541
68$779,637,320$110,609,971$60,707,774$445,621,950
69$859,036,186$115,905,719$62,617,345$488,047,127
70$946,529,827$121,457,049$64,586,975$534,673,104
71$1,042,943,785$127,276,360$66,618,555$585,922,848
72$1,149,187,806$133,376,657$68,714,031$642,262,219
73$1,266,264,426$139,771,577$70,875,415$704,204,334
74$1,395,278,434$146,475,421$73,104,778$772,314,378
75$1,537,447,305$153,503,187$75,404,258$847,214,898
76$1,694,112,690$160,870,603$77,776,061$929,591,643
77$1,866,753,086$168,594,164$80,222,461$1,020,199,998
78$2,056,997,790$176,691,168$82,745,803$1,119,872,069
79$2,266,642,286$185,179,756$85,348,508$1,229,524,498
80$2,497,665,187$194,078,952$88,033,071$1,350,167,063
81$2,752,246,924$203,408,709$90,802,067$1,482,912,168
82$3,032,790,324$213,189,950$93,658,151$1,628,985,292
83$3,341,943,300$223,444,619$96,604,061$1,789,736,501
84$3,682,623,842$234,195,731$99,642,622$1,966,653,138
85$4,058,047,572$245,467,421$102,776,749$2,161,373,808
86$4,471,758,101$257,285,000$106,009,446$2,375,703,785
87$4,927,660,477$269,675,016$109,343,813$2,611,631,985
88$5,430,058,063$282,665,308$112,783,048$2,871,349,683
89$5,983,693,153$296,285,076$116,330,447$3,157,271,121
90$6,593,791,751$310,564,941$119,989,414$3,472,056,234
91$7,266,112,906$325,537,019$123,763,455$3,818,635,676
92$8,007,003,082$341,234,993$127,656,190$4,200,238,411
93$8,823,456,075$357,694,187$131,671,352$4,620,422,109
94$9,723,179,043$374,951,650$135,812,790$5,083,106,645
95$10,714,665,262$393,046,238$140,084,475$5,592,611,012
96$11,807,274,317$412,018,702$144,490,504$6,153,693,997
97$13,011,320,462$431,911,782$149,035,100$6,771,599,003
98$14,338,169,994$452,770,305$153,722,621$7,452,103,449
99$15,800,348,567$474,641,283$158,557,562$8,201,573,195
100$17,411,659,438$497,574,024$163,544,559$9,027,022,526