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%18.1%
1 years$1,502,939$1,489,552$1,476,490$1,463,742$1,451,294$1,403,713
2 years$744,029$730,172$716,743$703,722$691,092$643,610
3 years$491,092$477,176$463,780$450,882$438,457$392,563
4 years$364,649$350,775$337,513$324,835$312,711$268,757
5 years$288,802$275,012$261,924$249,504$237,718$195,821
6 years$238,255$224,568$211,674$199,531$188,098$148,293
7 years$202,163$188,592$175,902$164,045$152,974$115,256
8 years$175,107$161,658$149,179$137,613$126,907$91,248
9 years$154,074$140,752$128,487$117,216$106,874$73,232
10 years$137,258$124,066$112,018$101,041$91,062$59,385
11 years$123,508$110,449$98,619$87,936$78,316$48,545
12 years$112,059$99,133$87,522$77,132$67,867$39,936
13 years$102,378$89,587$78,195$68,096$59,182$33,020
14 years$94,087$81,432$70,259$60,448$51,878$27,413
15 years$86,908$74,390$63,434$53,909$45,678$22,834
16 years$80,633$68,251$57,512$48,270$40,370$19,072
17 years$75,102$62,857$52,334$43,370$35,795$15,965
18 years$70,190$58,083$47,774$39,085$31,827$13,389
19 years$65,801$53,830$43,735$35,317$28,368$11,247
20 years$61,856$50,022$40,138$31,986$25,339$9,459
21 years$58,291$46,593$36,919$29,029$22,676$7,964
22 years$55,055$43,493$34,027$26,394$20,325$6,711
23 years$52,104$40,678$31,417$24,038$18,245$5,659
24 years$49,403$38,113$29,056$21,924$16,399$4,776
25 years$46,922$35,767$26,912$20,022$14,757$4,032
26 years$44,636$33,615$24,959$18,307$13,292$3,406
27 years$42,523$31,636$23,177$16,757$11,984$2,878
28 years$40,564$29,810$21,546$15,353$10,814$2,433
29 years$38,743$28,123$20,050$14,079$9,764$2,057
30 years$37,047$26,559$18,676$12,921$8,823$1,739
31 years$35,464$25,107$17,411$11,867$7,977$1,471
32 years$33,982$23,756$16,245$10,906$7,215$1,245
33 years$32,594$22,498$15,168$10,029$6,530$1,053
34 years$31,289$21,323$14,172$9,228$5,912$891
35 years$30,062$20,224$13,250$8,494$5,355$754
36 years$28,906$19,196$12,395$7,823$4,852$638
37 years$27,815$18,231$11,601$7,208$4,397$540
38 years$26,783$17,326$10,864$6,644$3,987$457
39 years$25,807$16,476$10,179$6,126$3,615$387
40 years$24,882$15,675$9,540$5,650$3,279$328
41 years$24,005$14,921$8,946$5,213$2,975$277
42 years$23,171$14,211$8,392$4,811$2,699$235
43 years$22,379$13,540$7,874$4,441$2,450$199
44 years$21,624$12,906$7,391$4,101$2,224$168
45 years$20,905$12,307$6,940$3,787$2,019$143
46 years$20,220$11,741$6,518$3,498$1,833$121
47 years$19,565$11,204$6,124$3,232$1,664$102
48 years$18,940$10,696$5,755$2,986$1,511$87
49 years$18,342$10,214$5,409$2,760$1,373$73
50 years$17,770$9,757$5,085$2,551$1,247$62

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 $2,806 every year, while hoping to spend $26,412 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: 74/8/18 Blend
29$18,200,000$18,200,000$18,200,000$18,200,000
30$20,059,294$19,094,694$18,812,594$21,459,840
31$22,077,240$20,002,232$19,414,714$23,296,255
32$24,300,131$20,953,354$20,036,120$25,304,472
33$26,748,844$21,950,168$20,677,429$27,504,382
34$29,446,384$22,994,884$21,339,281$29,915,049
35$32,418,101$24,089,819$22,022,333$32,557,463
36$35,691,932$25,237,405$22,727,265$35,454,736
37$39,298,659$26,440,188$23,454,779$38,632,315
38$43,272,206$27,700,841$24,205,598$42,118,223
39$47,649,955$29,022,166$24,980,469$45,943,319
40$52,473,100$30,407,102$25,780,165$50,141,586
41$57,787,036$31,858,729$26,605,480$54,750,448
42$63,641,786$33,380,280$27,457,235$59,811,123
43$70,092,476$34,975,140$28,336,280$65,369,007
44$77,199,851$36,646,865$29,243,488$71,474,098
45$85,030,854$38,399,180$30,179,763$78,181,467
46$93,659,252$40,235,991$31,146,037$85,551,772
47$103,166,338$42,161,396$32,143,271$93,651,826
48$113,641,693$44,179,693$33,172,459$102,555,227
49$125,184,033$46,295,386$34,234,624$112,343,047
50$137,902,146$48,513,201$35,330,825$123,104,591
51$151,915,910$50,838,093$36,462,153$134,938,238
52$167,357,432$53,275,259$37,629,735$147,952,363
53$184,372,292$55,830,149$38,834,732$162,266,358
54$203,120,916$58,508,476$40,078,346$178,011,750
55$223,780,093$61,316,235$41,361,814$195,333,441
56$246,544,643$64,259,711$42,686,415$214,391,067
57$271,629,255$67,345,495$44,053,468$235,360,502
58$299,270,514$70,580,499$45,464,335$258,435,511
59$329,729,137$73,971,974$46,920,421$283,829,572
60$363,292,429$77,527,522$48,423,175$311,777,885
61$400,277,002$81,255,115$49,974,097$342,539,587
62$441,031,757$85,163,116$51,574,729$376,400,191
63$485,941,181$89,260,293$53,226,667$413,674,272
64$535,428,978$93,555,845$54,931,558$454,708,428
65$589,962,067$98,059,414$56,691,098$499,884,549
66$650,054,990$102,781,118$58,507,042$549,623,408
67$716,274,771$107,731,564$60,381,200$604,388,630
68$789,246,265$112,921,879$62,315,438$664,691,053
69$869,658,063$118,363,730$64,311,684$731,093,546
70$958,268,988$124,069,355$66,371,928$804,216,312
71$1,055,915,260$130,051,589$68,498,223$884,742,731
72$1,163,518,391$136,323,891$70,692,687$973,425,801
73$1,282,093,884$142,900,379$72,957,510$1,071,095,238
74$1,412,760,821$149,795,858$75,294,947$1,178,665,292
75$1,556,752,427$157,025,857$77,707,330$1,297,143,371
76$1,715,427,711$164,606,661$80,197,062$1,427,639,533
77$1,890,284,300$172,555,350$82,766,626$1,571,376,960
78$2,082,972,575$180,889,838$85,418,584$1,729,703,483
79$2,295,311,251$189,628,913$88,155,580$1,904,104,298
80$2,529,304,549$198,792,281$90,980,343$2,096,215,968
81$2,787,161,117$208,400,607$93,895,688$2,307,841,861
82$3,071,314,882$218,475,567$96,904,525$2,540,969,154
83$3,384,448,026$229,039,896$100,009,852$2,797,787,580
84$3,729,516,309$240,117,436$103,214,767$3,080,710,081
85$4,109,776,977$251,733,195$106,522,466$3,392,395,568
86$4,528,819,509$263,913,401$109,936,249$3,735,774,004
87$4,990,599,505$276,685,563$113,459,519$4,114,074,045
88$5,499,476,033$290,078,535$117,095,791$4,530,853,499
89$6,060,252,781$304,122,576$120,848,694$4,990,032,894
90$6,678,223,409$318,849,427$124,721,969$5,495,932,461
91$7,359,221,524$334,292,375$128,719,482$6,053,312,904
92$8,109,675,755$350,486,337$132,845,220$6,667,420,315
93$8,936,670,447$367,467,933$137,103,300$7,344,035,674
94$9,848,012,542$385,275,571$141,497,970$8,089,529,401
95$10,852,305,285$403,949,538$146,033,616$8,910,921,466
96$11,959,029,445$423,532,086$150,714,763$9,815,947,636
97$13,178,632,823$444,067,533$155,546,082$10,813,132,471
98$14,522,628,890$465,602,362$160,532,396$11,911,869,777
99$16,003,705,486$488,185,326$165,678,679$13,122,511,248
100$17,635,844,600$511,867,562$170,990,070$14,456,464,167