Can I retire at age 30 with 18,200,000?

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 $18,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$1,502,939$1,489,552$1,476,490$1,463,742$1,451,294$1,422,573
2 years$744,029$730,172$716,743$703,722$691,092$662,278
3 years$491,092$477,176$463,780$450,882$438,457$410,448
4 years$364,649$350,775$337,513$324,835$312,711$285,723
5 years$288,802$275,012$261,924$249,504$237,718$211,827
6 years$238,255$224,568$211,674$199,531$188,098$163,333
7 years$202,163$188,592$175,902$164,045$152,974$129,340
8 years$175,107$161,658$149,179$137,613$126,907$104,398
9 years$154,074$140,752$128,487$117,216$106,874$85,475
10 years$137,258$124,066$112,018$101,041$91,062$70,752
11 years$123,508$110,449$98,619$87,936$78,316$59,072
12 years$112,059$99,133$87,522$77,132$67,867$49,660
13 years$102,378$89,587$78,195$68,096$59,182$41,981
14 years$94,087$81,432$70,259$60,448$51,878$35,652
15 years$86,908$74,390$63,434$53,909$45,678$30,393
16 years$80,633$68,251$57,512$48,270$40,370$25,991
17 years$75,102$62,857$52,334$43,370$35,795$22,285
18 years$70,190$58,083$47,774$39,085$31,827$19,151
19 years$65,801$53,830$43,735$35,317$28,368$16,489
20 years$61,856$50,022$40,138$31,986$25,339$14,219
21 years$58,291$46,593$36,919$29,029$22,676$12,279
22 years$55,055$43,493$34,027$26,394$20,325$10,616
23 years$52,104$40,678$31,417$24,038$18,245$9,188
24 years$49,403$38,113$29,056$21,924$16,399$7,959
25 years$46,922$35,767$26,912$20,022$14,757$6,899
26 years$44,636$33,615$24,959$18,307$13,292$5,984
27 years$42,523$31,636$23,177$16,757$11,984$5,194
28 years$40,564$29,810$21,546$15,353$10,814$4,510
29 years$38,743$28,123$20,050$14,079$9,764$3,918
30 years$37,047$26,559$18,676$12,921$8,823$3,404
31 years$35,464$25,107$17,411$11,867$7,977$2,959
32 years$33,982$23,756$16,245$10,906$7,215$2,573
33 years$32,594$22,498$15,168$10,029$6,530$2,238
34 years$31,289$21,323$14,172$9,228$5,912$1,947
35 years$30,062$20,224$13,250$8,494$5,355$1,694
36 years$28,906$19,196$12,395$7,823$4,852$1,474
37 years$27,815$18,231$11,601$7,208$4,397$1,283
38 years$26,783$17,326$10,864$6,644$3,987$1,116
39 years$25,807$16,476$10,179$6,126$3,615$972
40 years$24,882$15,675$9,540$5,650$3,279$846
41 years$24,005$14,921$8,946$5,213$2,975$737
42 years$23,171$14,211$8,392$4,811$2,699$641
43 years$22,379$13,540$7,874$4,441$2,450$558
44 years$21,624$12,906$7,391$4,101$2,224$486
45 years$20,905$12,307$6,940$3,787$2,019$423
46 years$20,220$11,741$6,518$3,498$1,833$369
47 years$19,565$11,204$6,124$3,232$1,664$321
48 years$18,940$10,696$5,755$2,986$1,511$280
49 years$18,342$10,214$5,409$2,760$1,373$244
50 years$17,770$9,757$5,085$2,551$1,247$212

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $18,200,000, adding $3,527 every year, while hoping to spend $42,263 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: 25/48/27 Blend
29$18,200,000$18,200,000$18,200,000$18,200,000
30$20,060,038$19,095,438$18,813,338$20,391,032
31$22,061,194$19,986,147$19,398,617$21,556,982
32$24,265,052$20,919,084$20,002,087$22,802,375
33$26,692,243$21,896,274$20,624,312$24,136,814
34$29,365,499$22,919,840$21,265,874$25,567,794
35$32,309,873$23,992,005$21,927,374$27,103,504
36$35,552,970$25,115,103$22,609,431$28,752,897
37$39,125,209$26,291,578$23,312,682$30,525,763
38$43,060,109$27,523,995$24,037,787$32,432,810
39$47,394,610$28,815,040$24,785,422$34,485,759
40$52,169,414$30,167,531$25,556,288$36,697,435
41$57,429,376$31,584,422$26,351,105$39,081,886
42$63,223,922$33,068,809$27,170,617$41,654,495
43$69,607,520$34,623,938$28,015,590$44,432,116
44$76,640,189$36,253,214$28,886,815$47,433,219
45$84,388,071$37,960,204$29,785,106$50,678,051
46$92,924,051$39,748,650$30,711,303$54,188,809
47$102,328,444$41,622,474$31,666,272$57,989,838
48$112,689,760$43,585,789$32,650,906$62,107,841
49$124,105,529$45,642,907$33,666,126$66,572,117
50$136,683,232$47,798,348$34,712,879$71,414,817
51$150,541,306$50,056,852$35,792,146$76,671,231
52$165,810,271$52,423,389$36,904,934$82,380,100
53$182,633,953$54,903,170$38,052,284$88,583,963
54$201,170,848$57,501,657$39,235,267$95,329,537
55$221,595,616$60,224,579$40,454,990$102,668,132
56$244,100,729$63,077,943$41,712,592$110,656,117
57$268,898,287$66,068,047$43,009,248$119,355,424
58$296,222,024$69,201,492$44,346,169$128,834,112
59$326,329,509$72,485,204$45,724,604$139,166,974
60$359,504,582$75,926,442$47,145,842$150,436,224
61$396,060,031$79,532,819$48,611,209$162,732,239
62$436,340,544$83,312,317$50,122,074$176,154,381
63$480,725,964$87,273,306$51,679,849$190,811,906
64$529,634,876$91,424,562$53,285,988$206,824,958
65$583,528,556$95,775,287$54,941,990$224,325,672
66$642,915,324$100,335,132$56,649,403$243,459,381
67$708,355,349$105,114,215$58,409,819$264,385,951
68$780,465,930$110,123,148$60,224,884$287,281,250
69$859,927,329$115,373,055$62,096,291$312,338,764
70$947,489,186$120,875,605$64,025,787$339,771,383
71$1,043,977,606$126,643,032$66,015,173$369,813,362
72$1,150,302,946$132,688,166$68,066,306$402,722,481
73$1,267,468,420$139,024,459$70,181,101$438,782,436
74$1,396,579,560$145,666,019$72,361,529$478,305,454
75$1,538,854,662$152,627,641$74,609,628$521,635,193
76$1,695,636,281$159,924,838$76,927,493$569,149,924
77$1,868,403,905$167,573,878$79,317,287$621,266,041
78$2,058,787,927$175,591,822$81,781,240$678,441,931
79$2,268,585,035$183,996,561$84,321,651$741,182,231
80$2,499,775,171$192,806,855$86,940,889$810,042,522
81$2,754,540,226$202,042,379$89,641,397$885,634,505
82$3,035,284,639$211,723,765$92,425,693$968,631,694
83$3,344,658,093$221,872,650$95,296,375$1,059,775,697
84$3,685,580,534$232,511,725$98,256,118$1,159,883,130
85$4,061,269,734$243,664,786$101,307,684$1,269,853,243
86$4,475,271,672$255,356,785$104,453,916$1,390,676,312
87$4,931,494,009$267,613,894$107,697,749$1,523,442,894
88$5,434,242,980$280,463,557$111,042,206$1,669,354,019
89$5,988,264,048$293,934,556$114,490,404$1,829,732,425
90$6,598,786,707$308,057,075$118,045,558$2,006,034,933
91$7,271,573,848$322,862,769$121,710,982$2,199,866,084
92$8,012,976,170$338,384,834$125,490,090$2,412,993,164
93$8,829,992,136$354,658,088$129,386,404$2,647,362,764
94$9,730,334,041$371,719,041$133,403,556$2,905,119,019
95$10,722,500,826$389,605,986$137,545,287$3,188,623,712
96$11,815,858,313$408,359,083$141,815,457$3,500,478,427
97$13,020,727,629$428,020,446$146,218,043$3,843,548,951
98$14,348,482,646$448,634,247$150,757,147$4,220,992,170
99$15,811,657,361$470,246,810$155,436,996$4,636,285,707
100$17,424,064,225$492,906,716$160,261,948$5,093,260,571