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%12.4%
1 years$1,494,681$1,481,367$1,468,378$1,455,699$1,443,319$1,428,841
2 years$739,941$726,160$712,805$699,855$687,295$672,712
3 years$488,394$474,554$461,232$448,404$436,048$421,814
4 years$362,645$348,847$335,659$323,050$310,993$297,216
5 years$287,216$273,501$260,485$248,133$236,412$223,133
6 years$236,946$223,334$210,510$198,434$187,065$174,301
7 years$201,052$187,555$174,935$163,144$152,134$139,890
8 years$174,145$160,770$148,359$136,857$126,210$114,485
9 years$153,228$139,979$127,782$116,572$106,287$95,077
10 years$136,504$123,384$111,403$100,486$90,562$79,861
11 years$122,830$109,842$98,077$87,453$77,886$67,685
12 years$111,443$98,588$87,041$76,708$67,494$57,782
13 years$101,815$89,095$77,765$67,722$58,856$49,623
14 years$93,570$80,985$69,873$60,116$51,593$42,825
15 years$86,431$73,981$63,086$53,613$45,427$37,111
16 years$80,190$67,876$57,196$48,004$40,148$32,271
17 years$74,689$62,512$52,046$43,132$35,598$28,145
18 years$69,805$57,763$47,512$38,870$31,652$24,609
19 years$65,440$53,535$43,495$35,123$28,212$21,564
20 years$61,516$49,747$39,917$31,810$25,200$18,931
21 years$57,971$46,337$36,716$28,870$22,551$16,646
22 years$54,752$43,254$33,840$26,249$20,214$14,658
23 years$51,818$40,455$31,245$23,906$18,145$12,923
24 years$49,132$37,903$28,896$21,803$16,309$11,405
25 years$46,665$35,571$26,764$19,912$14,676$10,076
26 years$44,391$33,431$24,822$18,207$13,219$8,908
27 years$42,289$31,462$23,049$16,665$11,918$7,882
28 years$40,341$29,647$21,427$15,269$10,754$6,978
29 years$38,530$27,968$19,940$14,002$9,711$6,181
30 years$36,844$26,413$18,573$12,850$8,774$5,478
31 years$35,269$24,969$17,315$11,802$7,933$4,857
32 years$33,796$23,626$16,156$10,846$7,176$4,308
33 years$32,414$22,374$15,085$9,974$6,494$3,823
34 years$31,117$21,205$14,094$9,177$5,880$3,393
35 years$29,897$20,113$13,177$8,448$5,325$3,012
36 years$28,747$19,090$12,327$7,780$4,825$2,675
37 years$27,662$18,131$11,538$7,168$4,373$2,376
38 years$26,636$17,231$10,805$6,607$3,965$2,111
39 years$25,665$16,385$10,123$6,092$3,595$1,875
40 years$24,746$15,589$9,488$5,619$3,261$1,667
41 years$23,873$14,839$8,897$5,184$2,959$1,481
42 years$23,044$14,133$8,345$4,785$2,685$1,317
43 years$22,256$13,465$7,831$4,417$2,436$1,170
44 years$21,505$12,835$7,351$4,078$2,212$1,040
45 years$20,790$12,240$6,902$3,766$2,008$925
46 years$20,109$11,676$6,483$3,479$1,823$823
47 years$19,458$11,143$6,090$3,214$1,655$731
48 years$18,836$10,637$5,723$2,970$1,503$650
49 years$18,241$10,158$5,379$2,745$1,365$578
50 years$17,672$9,703$5,058$2,537$1,240$514

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 $6,572 every year, while hoping to spend $38,382 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: 58/36/6 Blend
29$18,100,000$18,100,000$18,100,000$18,100,000
30$19,952,979$18,993,679$18,713,129$21,085,786
31$21,947,345$19,883,531$19,299,181$22,736,642
32$24,143,849$20,815,700$19,903,579$24,530,164
33$26,563,070$21,792,217$20,526,897$26,483,962
34$29,227,683$22,815,216$21,169,728$28,613,371
35$32,162,675$23,886,929$21,832,682$30,935,244
36$35,395,580$25,009,701$22,516,388$33,468,102
37$38,956,738$26,185,985$23,221,497$36,232,306
38$42,879,586$27,418,359$23,948,677$39,250,241
39$47,200,965$28,709,520$24,698,619$42,546,518
40$51,961,476$30,062,299$25,472,036$46,148,200
41$57,205,859$31,479,664$26,269,662$50,085,048
42$62,983,415$32,964,726$27,092,254$54,389,797
43$69,348,473$34,520,747$27,940,593$59,098,450
44$76,360,899$36,151,146$28,815,485$64,250,616
45$84,086,668$37,859,509$29,717,761$69,889,867
46$92,598,480$39,649,596$30,648,278$76,064,142
47$101,976,448$41,525,350$31,607,918$82,826,193
48$112,308,855$43,490,902$32,597,593$90,234,062
49$123,692,989$45,550,587$33,618,243$98,351,626
50$136,236,056$47,708,948$34,670,837$107,249,185
51$150,056,198$49,970,750$35,756,373$117,004,110
52$165,283,601$52,340,988$36,875,883$127,701,564
53$182,061,733$54,824,900$38,030,429$139,435,287
54$200,548,688$57,427,980$39,221,108$152,308,471
55$220,918,688$60,155,984$40,449,049$166,434,715
56$243,363,721$63,014,954$41,715,418$181,939,084
57$268,095,353$66,011,219$43,021,417$198,959,269
58$295,346,730$69,151,420$44,368,286$217,646,871
59$325,374,776$72,442,519$45,757,303$238,168,815
60$358,462,617$75,891,816$47,189,786$260,708,902
61$394,922,256$79,506,967$48,667,096$285,469,527
62$435,097,516$83,295,998$50,190,633$312,673,568
63$479,367,288$87,267,328$51,761,845$342,566,464
64$528,149,106$91,429,782$53,382,222$375,418,513
65$581,903,090$95,792,616$55,053,301$411,527,396
66$641,136,287$100,365,537$56,776,669$451,220,961
67$706,407,462$105,158,722$58,553,961$494,860,294
68$778,332,368$110,182,844$60,386,864$542,843,094
69$857,589,562$115,449,095$62,277,116$595,607,403
70$944,926,809$120,969,212$64,226,511$653,635,707
71$1,041,168,143$126,755,504$66,236,899$717,459,457
72$1,147,221,646$132,820,875$68,310,187$787,664,055
73$1,264,088,017$139,178,862$70,448,342$864,894,345
74$1,392,870,027$145,843,658$72,653,393$949,860,655
75$1,534,782,920$152,830,147$74,927,432$1,043,345,476
76$1,691,165,892$160,153,940$77,272,616$1,146,210,795
77$1,863,494,734$167,831,404$79,691,169$1,259,406,199
78$2,053,395,761$175,879,706$82,185,387$1,383,977,789
79$2,262,661,166$184,316,849$84,757,635$1,521,078,008
80$2,493,265,941$193,161,711$87,410,352$1,671,976,475
81$2,747,386,524$202,434,092$90,146,056$1,838,071,913
82$3,027,421,342$212,154,754$92,967,341$2,020,905,303
83$3,336,013,454$222,345,473$95,876,883$2,222,174,375
84$3,676,075,509$233,029,084$98,877,441$2,443,749,570
85$4,050,817,237$244,229,535$101,971,861$2,687,691,641
86$4,463,775,755$255,971,942$105,163,078$2,956,271,038
87$4,918,848,960$268,282,645$108,454,119$3,251,989,277
88$5,420,332,326$281,189,266$111,848,104$3,577,602,478
89$5,972,959,459$294,720,776$115,348,251$3,936,147,314
90$6,581,946,787$308,907,558$118,957,881$4,330,969,597
91$7,253,042,804$323,781,473$122,680,415$4,765,755,779
92$7,992,582,345$339,375,940$126,519,384$5,244,567,672
93$8,807,546,388$355,726,005$130,478,427$5,771,880,701
94$9,705,627,964$372,868,423$134,561,298$6,352,626,056
95$10,695,304,783$390,841,743$138,771,869$6,992,237,149
96$11,785,919,275$409,686,392$143,114,130$7,696,700,803
97$12,987,766,788$429,444,772$147,592,200$8,472,613,660
98$14,312,192,784$450,161,350$152,210,323$9,327,244,344
99$15,771,699,957$471,882,765$156,972,878$10,268,601,959
100$17,380,066,262$494,657,930$161,884,378$11,305,511,577