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%17%
1 years$1,502,939$1,489,552$1,476,490$1,463,742$1,451,294$1,409,923
2 years$744,029$730,172$716,743$703,722$691,092$649,734
3 years$491,092$477,176$463,780$450,882$438,457$398,407
4 years$364,649$350,775$337,513$324,835$312,711$274,277
5 years$288,802$275,012$261,924$249,504$237,718$201,004
6 years$238,255$224,568$211,674$199,531$188,098$153,139
7 years$202,163$188,592$175,902$164,045$152,974$119,769
8 years$175,107$161,658$149,179$137,613$126,907$95,438
9 years$154,074$140,752$128,487$117,216$106,874$77,109
10 years$137,258$124,066$112,018$101,041$91,062$62,962
11 years$123,508$110,449$98,619$87,936$78,316$51,836
12 years$112,059$99,133$87,522$77,132$67,867$42,954
13 years$102,378$89,587$78,195$68,096$59,182$35,781
14 years$94,087$81,432$70,259$60,448$51,878$29,933
15 years$86,908$74,390$63,434$53,909$45,678$25,128
16 years$80,633$68,251$57,512$48,270$40,370$21,155
17 years$75,102$62,857$52,334$43,370$35,795$17,852
18 years$70,190$58,083$47,774$39,085$31,827$15,095
19 years$65,801$53,830$43,735$35,317$28,368$12,784
20 years$61,856$50,022$40,138$31,986$25,339$10,843
21 years$58,291$46,593$36,919$29,029$22,676$9,207
22 years$55,055$43,493$34,027$26,394$20,325$7,825
23 years$52,104$40,678$31,417$24,038$18,245$6,657
24 years$49,403$38,113$29,056$21,924$16,399$5,667
25 years$46,922$35,767$26,912$20,022$14,757$4,827
26 years$44,636$33,615$24,959$18,307$13,292$4,113
27 years$42,523$31,636$23,177$16,757$11,984$3,507
28 years$40,564$29,810$21,546$15,353$10,814$2,991
29 years$38,743$28,123$20,050$14,079$9,764$2,552
30 years$37,047$26,559$18,676$12,921$8,823$2,178
31 years$35,464$25,107$17,411$11,867$7,977$1,859
32 years$33,982$23,756$16,245$10,906$7,215$1,587
33 years$32,594$22,498$15,168$10,029$6,530$1,355
34 years$31,289$21,323$14,172$9,228$5,912$1,157
35 years$30,062$20,224$13,250$8,494$5,355$988
36 years$28,906$19,196$12,395$7,823$4,852$844
37 years$27,815$18,231$11,601$7,208$4,397$721
38 years$26,783$17,326$10,864$6,644$3,987$616
39 years$25,807$16,476$10,179$6,126$3,615$526
40 years$24,882$15,675$9,540$5,650$3,279$450
41 years$24,005$14,921$8,946$5,213$2,975$384
42 years$23,171$14,211$8,392$4,811$2,699$328
43 years$22,379$13,540$7,874$4,441$2,450$281
44 years$21,624$12,906$7,391$4,101$2,224$240
45 years$20,905$12,307$6,940$3,787$2,019$205
46 years$20,220$11,741$6,518$3,498$1,833$175
47 years$19,565$11,204$6,124$3,232$1,664$150
48 years$18,940$10,696$5,755$2,986$1,511$128
49 years$18,342$10,214$5,409$2,760$1,373$109
50 years$17,770$9,757$5,085$2,551$1,247$93

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 $3,080 every year, while hoping to spend $50,350 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: 52/31/17 Blend
29$18,200,000$18,200,000$18,200,000$18,200,000
30$20,059,577$19,094,977$18,812,877$21,009,529
31$22,052,082$19,977,059$19,389,536$22,543,670
32$24,246,135$20,900,675$19,983,826$24,205,839
33$26,662,240$21,867,808$20,596,284$26,012,601
34$29,322,993$22,880,535$21,227,464$27,977,675
35$32,253,291$23,941,033$21,877,936$30,116,138
36$35,480,568$25,051,586$22,548,289$32,444,556
37$39,035,057$26,214,585$23,239,128$34,981,139
38$42,950,072$27,432,538$23,951,077$37,745,901
39$47,262,321$28,708,074$24,684,780$40,760,847
40$52,012,257$30,043,949$25,440,900$44,050,170
41$57,244,455$31,443,051$26,220,118$47,640,472
42$63,008,037$32,908,408$27,023,139$51,561,011
43$69,357,130$34,443,193$27,850,688$55,843,964
44$76,351,383$36,050,735$28,703,511$60,524,725
45$84,056,523$37,734,521$29,582,379$65,642,228
46$92,544,983$39,498,207$30,488,083$71,239,309
47$101,896,579$41,345,626$31,421,441$77,363,095
48$112,199,266$43,280,798$32,383,295$84,065,443
49$123,549,968$45,307,934$33,374,512$91,403,416
50$136,055,492$47,431,450$34,395,986$99,439,814
51$149,833,537$49,655,976$35,448,637$108,243,749
52$165,013,806$51,986,367$36,533,414$117,891,292
53$181,739,225$54,427,710$37,651,294$128,466,172
54$200,167,298$56,985,340$38,803,285$140,060,556
55$220,471,591$59,664,850$39,990,423$152,775,907
56$242,843,370$62,472,104$41,213,779$166,723,922
57$267,493,405$65,413,249$42,474,452$182,027,574
58$294,653,965$68,494,730$43,773,579$198,822,258
59$324,581,003$71,723,306$45,112,327$217,257,048
60$357,556,577$75,106,060$46,491,902$237,496,091
61$393,891,512$78,650,421$47,913,545$259,720,134
62$433,928,332$82,364,176$49,378,534$284,128,217
63$478,044,493$86,255,493$50,888,186$310,939,524
64$526,655,950$90,332,931$52,443,860$340,395,436
65$580,221,080$94,605,467$54,046,952$372,761,787
66$639,245,009$99,082,514$55,698,903$408,331,348
67$704,284,382$103,773,939$57,401,199$447,426,569
68$775,952,618$108,690,091$59,155,367$490,402,597
69$854,925,697$113,841,817$60,962,984$537,650,603
70$941,948,546$119,240,494$62,825,673$589,601,443
71$1,037,842,069$124,898,050$64,745,104$646,729,701
72$1,143,510,898$130,826,992$66,723,002$709,558,136
73$1,259,951,928$137,040,433$68,761,141$778,662,589
74$1,388,263,735$143,552,125$70,861,350$854,677,379
75$1,529,656,943$150,376,486$73,025,512$938,301,263
76$1,685,465,652$157,528,635$75,255,569$1,030,303,991
77$1,857,160,037$165,024,427$77,553,518$1,131,533,540
78$2,046,360,221$172,880,484$79,921,421$1,242,924,073
79$2,254,851,574$181,114,238$82,361,400$1,365,504,720
80$2,484,601,568$189,743,969$84,875,639$1,500,409,251
81$2,737,778,347$198,788,843$87,466,393$1,648,886,728
82$3,016,771,202$208,268,959$90,135,981$1,812,313,254
83$3,324,213,121$218,205,395$92,886,792$1,992,204,911
84$3,663,005,651$228,620,250$95,721,291$2,190,232,022
85$4,036,346,286$239,536,702$98,642,013$2,408,234,862
86$4,447,758,659$250,979,052$101,651,572$2,648,240,977
87$4,901,125,803$262,972,786$104,752,661$2,912,484,260
88$5,400,726,813$275,544,630$107,948,053$3,203,425,983
89$5,951,277,239$288,722,609$111,240,604$3,523,777,963
90$6,557,973,613$302,536,112$114,633,260$3,876,528,092
91$7,226,542,499$317,015,959$118,129,051$4,264,968,478
92$7,963,294,562$332,194,469$121,731,102$4,692,726,444
93$8,775,184,144$348,105,534$125,442,631$5,163,798,694
94$9,669,874,920$364,784,699$129,266,953$5,682,588,962
95$10,655,812,247$382,269,235$133,207,482$6,253,949,496
96$11,742,302,900$400,598,231$137,267,736$6,883,226,780
97$12,939,602,931$419,812,679$141,451,340$7,576,311,911
98$14,259,014,496$439,955,567$145,762,026$8,339,696,112
99$15,712,992,561$461,071,976$150,203,640$9,180,531,913
100$17,315,262,484$483,209,185$154,780,144$10,106,700,565