Can I retire at age 30 with 18,500,000?

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 $18,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$1,527,713$1,514,105$1,500,828$1,487,869$1,475,216$1,453,171
2 years$756,293$742,208$728,557$715,322$702,484$680,323
3 years$499,187$485,041$471,425$458,314$445,685$424,098
4 years$370,659$356,557$343,077$330,189$317,866$297,020
5 years$293,563$279,545$266,242$253,617$241,637$221,592
6 years$242,182$228,269$215,163$202,820$191,199$171,978
7 years$205,496$191,700$178,801$166,749$155,496$137,106
8 years$177,994$164,322$151,638$139,882$128,999$111,436
9 years$156,614$143,072$130,605$119,148$108,636$91,892
10 years$139,521$126,111$113,865$102,707$92,563$76,626
11 years$125,544$112,269$100,245$89,386$79,607$64,460
12 years$113,906$100,767$88,965$78,403$68,986$54,611
13 years$104,065$91,064$79,484$69,218$60,157$46,533
14 years$95,638$82,775$71,417$61,444$52,733$39,839
15 years$88,341$75,616$64,480$54,798$46,431$34,244
16 years$81,962$69,376$58,460$49,065$41,036$29,531
17 years$76,340$63,893$53,197$44,085$36,385$25,539
18 years$71,347$59,040$48,562$39,729$32,352$22,139
19 years$66,886$54,718$44,456$35,899$28,836$19,231
20 years$62,876$50,846$40,799$32,513$25,757$16,733
21 years$59,252$47,361$37,528$29,508$23,049$14,582
22 years$55,962$44,210$34,587$26,829$20,660$12,724
23 years$52,963$41,349$31,935$24,434$18,546$11,115
24 years$50,218$38,741$29,535$22,285$16,670$9,719
25 years$47,696$36,357$27,355$20,352$15,000$8,505
26 years$45,372$34,169$25,371$18,609$13,512$7,449
27 years$43,224$32,157$23,559$17,033$12,182$6,528
28 years$41,232$30,302$21,901$15,606$10,992$5,723
29 years$39,382$28,586$20,381$14,311$9,925$5,021
30 years$37,658$26,997$18,984$13,134$8,968$4,406
31 years$36,048$25,521$17,698$12,063$8,108$3,869
32 years$34,543$24,148$16,513$11,086$7,334$3,397
33 years$33,131$22,868$15,418$10,194$6,638$2,985
34 years$31,805$21,674$14,406$9,380$6,010$2,623
35 years$30,558$20,557$13,468$8,635$5,443$2,305
36 years$29,382$19,512$12,599$7,952$4,932$2,026
37 years$28,273$18,532$11,793$7,327$4,470$1,781
38 years$27,225$17,612$11,043$6,753$4,052$1,566
39 years$26,233$16,747$10,346$6,227$3,675$1,378
40 years$25,292$15,934$9,698$5,743$3,333$1,212
41 years$24,400$15,167$9,093$5,299$3,024$1,066
42 years$23,553$14,445$8,530$4,890$2,744$938
43 years$22,748$13,763$8,004$4,514$2,490$825
44 years$21,981$13,119$7,513$4,168$2,260$726
45 years$21,250$12,510$7,055$3,850$2,052$639
46 years$20,553$11,934$6,626$3,556$1,863$562
47 years$19,888$11,389$6,225$3,285$1,692$494
48 years$19,252$10,872$5,850$3,036$1,536$435
49 years$18,644$10,382$5,498$2,805$1,395$383
50 years$18,062$9,918$5,169$2,593$1,267$337

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $18,500,000, adding $6,557 every year, while hoping to spend $22,349 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: 59/20/21 Blend
29$18,500,000$18,500,000$18,500,000$18,500,000
30$20,393,764$19,413,264$19,126,514$21,483,122
31$22,450,148$20,340,734$19,743,473$23,150,979
32$24,715,535$21,312,902$20,380,351$24,966,132
33$27,211,219$22,331,933$21,037,792$26,945,316
34$29,960,665$23,400,100$21,716,460$29,104,408
35$32,989,733$24,519,785$22,417,041$31,460,872
36$36,326,918$25,693,487$23,140,244$34,033,911
37$40,003,621$26,923,825$23,886,800$36,844,651
38$44,054,446$28,213,548$24,657,463$39,916,330
39$48,517,524$29,565,536$25,453,012$43,274,515
40$53,434,876$30,982,812$26,274,253$46,947,335
41$58,852,808$32,468,544$27,122,015$50,965,743
42$64,822,347$34,026,056$27,997,155$55,363,799
43$71,399,726$35,658,832$28,900,559$60,178,987
44$78,646,910$37,370,527$29,833,141$65,452,561
45$86,632,187$39,164,975$30,795,842$71,229,930
46$95,430,805$41,046,194$31,789,638$77,561,073
47$105,125,690$43,018,400$32,815,534$84,501,009
48$115,808,222$45,086,013$33,874,566$92,110,305
49$127,579,104$47,253,671$34,967,807$100,455,641
50$140,549,307$49,526,235$36,096,363$109,610,428
51$154,841,120$51,908,805$37,261,375$119,655,494
52$170,589,305$54,406,727$38,464,022$130,679,837
53$187,942,369$57,025,611$39,705,521$142,781,453
54$207,063,963$59,771,338$40,987,128$156,068,253
55$228,134,431$62,650,078$42,310,141$170,659,067
56$251,352,510$65,668,298$43,675,898$186,684,759
57$276,937,206$68,832,786$45,085,781$204,289,445
58$305,129,864$72,150,655$46,541,217$223,631,847
59$336,196,443$75,629,369$48,043,681$244,886,769
60$370,430,027$79,276,756$49,594,691$268,246,744
61$408,153,596$83,101,023$51,195,819$293,923,828
62$449,723,069$87,110,780$52,848,686$322,151,591
63$495,530,670$91,315,056$54,554,965$353,187,307
64$546,008,626$95,723,321$56,316,383$387,314,363
65$601,633,248$100,345,506$58,134,725$424,844,919
66$662,929,432$105,192,028$60,011,830$466,122,835
67$730,475,608$110,273,812$61,949,601$511,526,901
68$804,909,207$115,602,315$63,950,000$561,474,392
69$886,932,673$121,189,556$66,015,052$616,424,982
70$977,320,099$127,048,137$68,146,849$676,885,071
71$1,076,924,531$133,191,278$70,347,550$743,412,534
72$1,186,686,026$139,632,843$72,619,386$816,621,970
73$1,307,640,521$146,387,373$74,964,656$897,190,476
74$1,440,929,619$153,470,120$77,385,737$985,864,014
75$1,587,811,364$160,897,079$79,885,082$1,083,464,427
76$1,749,672,114$168,685,027$82,465,224$1,190,897,167
77$1,928,039,636$176,851,560$85,128,775$1,309,159,818
78$2,124,597,526$185,415,133$87,878,436$1,439,351,478
79$2,341,201,103$194,395,104$90,716,993$1,582,683,104
80$2,579,894,926$203,811,774$93,647,323$1,740,488,910
81$2,842,932,094$213,686,438$96,672,395$1,914,238,931
82$3,132,795,523$224,041,428$99,795,275$2,105,552,858
83$3,452,221,378$234,900,170$103,019,128$2,316,215,295
84$3,804,224,913$246,287,233$106,347,224$2,548,192,562
85$4,192,128,933$258,228,386$109,782,934$2,803,651,219
86$4,619,595,165$270,750,657$113,329,743$3,084,978,476
87$5,090,658,828$283,882,396$116,991,246$3,394,804,679
88$5,609,766,731$297,653,336$120,771,155$3,736,028,099
89$6,181,819,252$312,094,664$124,673,304$4,111,842,238
90$6,812,216,605$327,239,091$128,701,648$4,525,765,930
91$7,506,909,819$343,120,927$132,860,273$4,981,676,500
92$8,272,456,925$359,776,157$137,153,397$5,483,846,313
93$9,116,084,868$377,242,525$141,585,373$6,036,983,050
94$10,045,757,737$395,559,622$146,160,696$6,646,274,083
95$11,070,251,954$414,768,971$150,884,007$7,317,435,385
96$12,199,239,130$434,914,127$155,760,097$8,056,765,423
97$13,443,377,373$456,040,771$160,793,913$8,871,204,543
98$14,814,411,917$478,196,821$165,990,561$9,768,400,424
99$16,325,286,001$501,432,534$171,355,313$10,756,780,188
100$17,990,263,070$525,800,624$176,893,612$11,845,629,884