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

Use the below retirement simulation to view the chances of a successful retirement.
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%12.8%
1 years$1,494,681$1,481,367$1,468,378$1,455,699$1,443,319$1,426,467
2 years$739,941$726,160$712,805$699,855$687,295$670,332
3 years$488,394$474,554$461,232$448,404$436,048$419,502
4 years$362,645$348,847$335,659$323,050$310,993$294,991
5 years$287,216$273,501$260,485$248,133$236,412$221,000
6 years$236,946$223,334$210,510$198,434$187,065$172,262
7 years$201,052$187,555$174,935$163,144$152,134$137,947
8 years$174,145$160,770$148,359$136,857$126,210$112,637
9 years$153,228$139,979$127,782$116,572$106,287$93,322
10 years$136,504$123,384$111,403$100,486$90,562$78,197
11 years$122,830$109,842$98,077$87,453$77,886$66,111
12 years$111,443$98,588$87,041$76,708$67,494$56,296
13 years$101,815$89,095$77,765$67,722$58,856$48,221
14 years$93,570$80,985$69,873$60,116$51,593$41,505
15 years$86,431$73,981$63,086$53,613$45,427$35,870
16 years$80,190$67,876$57,196$48,004$40,148$31,106
17 years$74,689$62,512$52,046$43,132$35,598$27,053
18 years$69,805$57,763$47,512$38,870$31,652$23,587
19 years$65,440$53,535$43,495$35,123$28,212$20,608
20 years$61,516$49,747$39,917$31,810$25,200$18,039
21 years$57,971$46,337$36,716$28,870$22,551$15,815
22 years$54,752$43,254$33,840$26,249$20,214$13,883
23 years$51,818$40,455$31,245$23,906$18,145$12,203
24 years$49,132$37,903$28,896$21,803$16,309$10,737
25 years$46,665$35,571$26,764$19,912$14,676$9,455
26 years$44,391$33,431$24,822$18,207$13,219$8,333
27 years$42,289$31,462$23,049$16,665$11,918$7,350
28 years$40,341$29,647$21,427$15,269$10,754$6,486
29 years$38,530$27,968$19,940$14,002$9,711$5,727
30 years$36,844$26,413$18,573$12,850$8,774$5,059
31 years$35,269$24,969$17,315$11,802$7,933$4,471
32 years$33,796$23,626$16,156$10,846$7,176$3,953
33 years$32,414$22,374$15,085$9,974$6,494$3,495
34 years$31,117$21,205$14,094$9,177$5,880$3,092
35 years$29,897$20,113$13,177$8,448$5,325$2,736
36 years$28,747$19,090$12,327$7,780$4,825$2,421
37 years$27,662$18,131$11,538$7,168$4,373$2,143
38 years$26,636$17,231$10,805$6,607$3,965$1,898
39 years$25,665$16,385$10,123$6,092$3,595$1,680
40 years$24,746$15,589$9,488$5,619$3,261$1,488
41 years$23,873$14,839$8,897$5,184$2,959$1,318
42 years$23,044$14,133$8,345$4,785$2,685$1,168
43 years$22,256$13,465$7,831$4,417$2,436$1,034
44 years$21,505$12,835$7,351$4,078$2,212$916
45 years$20,790$12,240$6,902$3,766$2,008$812
46 years$20,109$11,676$6,483$3,479$1,823$719
47 years$19,458$11,143$6,090$3,214$1,655$637
48 years$18,836$10,637$5,723$2,970$1,503$565
49 years$18,241$10,158$5,379$2,745$1,365$501
50 years$17,672$9,703$5,058$2,537$1,240$444

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 $6,141 every year, while hoping to spend $53,899 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: 46/48/6 Blend
29$18,100,000$18,100,000$18,100,000$18,100,000
30$19,952,534$18,993,234$18,712,684$20,837,727
31$21,930,345$19,866,555$19,282,211$22,319,983
32$24,108,085$20,780,861$19,869,011$23,920,813
33$26,506,092$21,738,106$20,473,605$25,656,028
34$29,146,774$22,740,333$21,096,530$27,538,051
35$32,054,822$23,789,687$21,738,342$29,580,511
36$35,257,446$24,888,413$22,399,608$31,798,370
37$38,784,628$26,038,869$23,080,918$34,208,047
38$42,669,407$27,243,520$23,782,876$36,827,572
39$46,948,189$28,504,955$24,506,104$39,676,739
40$51,661,092$29,825,885$25,251,246$42,777,293
41$56,852,322$31,209,152$26,018,962$46,153,113
42$62,570,595$32,657,737$26,809,933$49,830,438
43$68,869,591$34,174,761$27,624,861$53,838,094
44$75,808,463$35,763,498$28,464,467$58,207,762
45$83,452,396$37,427,380$29,329,498$62,974,259
46$91,873,223$39,170,003$30,220,717$68,175,857
47$101,150,096$40,995,138$31,138,917$73,854,628
48$111,370,244$42,906,738$32,084,908$80,056,830
49$122,629,787$44,908,946$33,059,530$86,833,327
50$135,034,645$47,006,105$34,063,645$94,240,053
51$148,701,543$49,202,768$35,098,141$102,338,526
52$163,759,106$51,503,709$36,163,934$111,196,408
53$180,349,075$53,913,930$37,261,966$120,888,130
54$198,627,646$56,438,679$38,393,208$131,495,572
55$218,766,946$59,083,454$39,558,660$143,108,820
56$240,956,651$61,854,020$40,759,352$155,826,991
57$265,405,784$64,756,421$41,996,345$169,759,153
58$292,344,682$67,796,994$43,270,731$185,025,326
59$322,027,175$70,982,382$44,583,635$201,757,597
60$354,732,977$74,319,549$45,936,217$220,101,338
61$390,770,330$77,815,796$47,329,669$240,216,553
62$430,478,912$81,478,779$48,765,222$262,279,363
63$474,233,045$85,316,523$50,244,141$286,483,640
64$522,445,227$89,337,444$51,767,731$313,042,803
65$575,570,024$93,550,362$53,337,333$342,191,809
66$634,108,364$97,964,528$54,954,332$374,189,331
67$698,612,267$102,589,639$56,620,152$409,320,171
68$769,690,050$107,435,864$58,336,259$447,897,907
69$848,012,076$112,513,862$60,104,165$490,267,823
70$934,317,079$117,834,812$61,925,425$536,810,121
71$1,029,419,137$123,410,434$63,801,642$587,943,476
72$1,134,215,358$129,253,015$65,734,467$644,128,940
73$1,249,694,352$135,375,439$67,725,599$705,874,251
74$1,376,945,557$141,791,217$69,776,788$773,738,581
75$1,517,169,530$148,514,513$71,889,836$848,337,758
76$1,671,689,278$155,560,180$74,066,601$930,350,036
77$1,841,962,746$162,943,790$76,308,994$1,020,522,437
78$2,029,596,584$170,681,675$78,618,984$1,119,677,749
79$2,236,361,314$178,790,955$80,998,598$1,228,722,233
80$2,464,208,041$187,289,584$83,449,924$1,348,654,113
81$2,715,286,877$196,196,390$85,975,113$1,480,572,936
82$2,991,967,238$205,531,112$88,576,378$1,625,689,885
83$3,296,860,210$215,314,450$91,256,000$1,785,339,137
84$3,632,843,203$225,568,110$94,016,328$1,960,990,383
85$4,003,087,113$236,314,851$96,859,779$2,154,262,625
86$4,411,086,261$247,578,541$99,788,843$2,366,939,376
87$4,860,691,375$259,384,206$102,806,086$2,600,985,409
88$5,356,145,953$271,758,089$105,914,147$2,858,565,215
89$5,902,126,315$284,727,710$109,115,745$3,142,063,341
90$6,503,785,759$298,321,928$112,413,682$3,454,106,803
91$7,166,803,206$312,571,002$115,810,841$3,797,589,775
92$7,897,436,819$327,506,667$119,310,190$4,175,700,808
93$8,702,583,081$343,162,200$122,914,787$4,591,952,814
94$9,589,841,904$359,572,496$126,627,782$5,050,216,107
95$10,567,588,380$376,774,151$130,452,415$5,554,754,817
96$11,645,051,849$394,805,539$134,392,025$6,110,267,011
97$12,832,403,030$413,706,902$138,450,050$6,721,928,906
98$14,140,850,042$433,520,443$142,630,029$7,395,443,594
99$15,582,744,218$454,290,418$146,935,608$8,137,094,722
100$17,171,696,717$476,063,236$151,370,538$8,953,805,660