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

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 $18,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$1,527,713$1,514,105$1,500,828$1,487,869$1,475,216$1,464,079
2 years$756,293$742,208$728,557$715,322$702,484$691,255
3 years$499,187$485,041$471,425$458,314$445,685$434,713
4 years$370,659$356,557$343,077$330,189$317,866$307,235
5 years$293,563$279,545$266,242$253,617$241,637$231,378
6 years$242,182$228,269$215,163$202,820$191,199$181,326
7 years$205,496$191,700$178,801$166,749$155,496$146,012
8 years$177,994$164,322$151,638$139,882$128,999$119,905
9 years$156,614$143,072$130,605$119,148$108,636$99,930
10 years$139,521$126,111$113,865$102,707$92,563$84,240
11 years$125,544$112,269$100,245$89,386$79,607$71,661
12 years$113,906$100,767$88,965$78,403$68,986$61,409
13 years$104,065$91,064$79,484$69,218$60,157$52,941
14 years$95,638$82,775$71,417$61,444$52,733$45,870
15 years$88,341$75,616$64,480$54,798$46,431$39,910
16 years$81,962$69,376$58,460$49,065$41,036$34,848
17 years$76,340$63,893$53,197$44,085$36,385$30,520
18 years$71,347$59,040$48,562$39,729$32,352$26,799
19 years$66,886$54,718$44,456$35,899$28,836$23,585
20 years$62,876$50,846$40,799$32,513$25,757$20,796
21 years$59,252$47,361$37,528$29,508$23,049$18,367
22 years$55,962$44,210$34,587$26,829$20,660$16,247
23 years$52,963$41,349$31,935$24,434$18,546$14,389
24 years$50,218$38,741$29,535$22,285$16,670$12,758
25 years$47,696$36,357$27,355$20,352$15,000$11,323
26 years$45,372$34,169$25,371$18,609$13,512$10,059
27 years$43,224$32,157$23,559$17,033$12,182$8,942
28 years$41,232$30,302$21,901$15,606$10,992$7,955
29 years$39,382$28,586$20,381$14,311$9,925$7,081
30 years$37,658$26,997$18,984$13,134$8,968$6,306
31 years$36,048$25,521$17,698$12,063$8,108$5,619
32 years$34,543$24,148$16,513$11,086$7,334$5,009
33 years$33,131$22,868$15,418$10,194$6,638$4,466
34 years$31,805$21,674$14,406$9,380$6,010$3,984
35 years$30,558$20,557$13,468$8,635$5,443$3,555
36 years$29,382$19,512$12,599$7,952$4,932$3,173
37 years$28,273$18,532$11,793$7,327$4,470$2,832
38 years$27,225$17,612$11,043$6,753$4,052$2,529
39 years$26,233$16,747$10,346$6,227$3,675$2,259
40 years$25,292$15,934$9,698$5,743$3,333$2,018
41 years$24,400$15,167$9,093$5,299$3,024$1,802
42 years$23,553$14,445$8,530$4,890$2,744$1,610
43 years$22,748$13,763$8,004$4,514$2,490$1,439
44 years$21,981$13,119$7,513$4,168$2,260$1,286
45 years$21,250$12,510$7,055$3,850$2,052$1,149
46 years$20,553$11,934$6,626$3,556$1,863$1,027
47 years$19,888$11,389$6,225$3,285$1,692$918
48 years$19,252$10,872$5,850$3,036$1,536$821
49 years$18,644$10,382$5,498$2,805$1,395$734
50 years$18,062$9,918$5,169$2,593$1,267$656

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 $4,517 every year, while hoping to spend $59,275 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: 65/15/20 Blend
29$18,500,000$18,500,000$18,500,000$18,500,000
30$20,391,659$19,411,159$19,124,409$21,613,532
31$22,408,540$20,299,238$19,702,009$23,322,795
32$24,629,157$21,228,846$20,296,971$25,182,835
33$27,074,227$22,201,955$20,909,816$27,214,197
34$29,766,580$23,220,633$21,541,077$29,433,670
35$32,731,373$24,287,046$22,191,305$31,859,729
36$35,996,326$25,403,464$22,861,066$34,512,703
37$39,591,984$26,572,267$23,550,945$37,414,969
38$43,552,006$27,795,948$24,261,542$40,591,151
39$47,913,483$29,077,121$24,993,475$44,068,358
40$52,717,283$30,418,525$25,747,382$47,876,428
41$58,008,446$31,823,032$26,523,918$52,048,208
42$63,836,597$33,293,651$27,323,760$56,619,860
43$70,256,426$34,833,536$28,147,602$61,631,196
44$77,328,195$36,445,993$28,996,160$67,126,053
45$85,118,311$38,134,487$29,870,171$73,152,695
46$93,699,952$39,902,650$30,770,396$79,764,268
47$103,153,757$41,754,290$31,697,614$87,019,294
48$113,568,588$43,693,397$32,652,631$94,982,220
49$125,042,365$45,724,154$33,636,275$103,724,016
50$137,682,995$47,850,947$34,649,399$113,322,842
51$151,609,388$50,078,372$35,692,882$123,864,778
52$166,952,580$52,411,246$36,767,628$135,444,631
53$183,856,966$54,854,620$37,874,567$148,166,818
54$202,481,670$57,413,789$39,014,657$162,146,351
55$223,002,039$60,094,304$40,188,887$177,509,909
56$245,611,303$62,901,981$41,398,272$194,397,030
57$270,522,399$65,842,921$42,643,857$212,961,414
58$297,969,978$68,923,518$43,926,719$233,372,371
59$328,212,619$72,150,474$45,247,968$255,816,407
60$361,535,275$75,530,816$46,608,744$280,498,976
61$398,251,959$79,071,912$48,010,223$307,646,406
62$438,708,707$82,781,484$49,453,614$337,508,030
63$483,286,848$86,667,630$50,940,162$370,358,524
64$532,406,600$90,738,836$52,471,151$406,500,492
65$586,531,037$95,004,004$54,047,899$446,267,309
66$646,170,465$99,472,462$55,671,765$490,026,254
67$711,887,232$104,153,992$57,344,149$538,181,967
68$784,301,041$109,058,849$59,066,490$591,180,254
69$864,094,801$114,197,786$60,840,271$649,512,279
70$952,021,068$119,582,075$62,667,017$713,719,189
71$1,048,909,155$125,223,536$64,548,301$784,397,206
72$1,155,672,959$131,134,558$66,485,738$862,203,238
73$1,273,319,585$137,328,136$68,480,994$947,861,065
74$1,402,958,858$143,817,890$70,535,783$1,042,168,151
75$1,545,813,798$150,618,103$72,651,869$1,146,003,159
76$1,703,232,166$157,743,751$74,831,067$1,260,334,222
77$1,876,699,187$165,210,534$77,075,247$1,386,228,063
78$2,067,851,569$173,034,916$79,386,334$1,524,860,048
79$2,278,492,961$181,234,158$81,766,307$1,677,525,254
80$2,510,610,971$189,826,360$84,217,207$1,845,650,675
81$2,766,395,937$198,830,499$86,741,131$2,030,808,673
82$3,048,261,604$208,266,475$89,340,239$2,234,731,789
83$3,358,867,907$218,155,151$92,016,757$2,459,329,079
84$3,701,146,086$228,518,407$94,772,971$2,706,704,108
85$4,078,326,360$239,379,182$97,611,239$2,979,174,777
86$4,493,968,419$250,761,531$100,533,985$3,279,295,180
87$4,951,995,029$262,690,678$103,543,705$3,609,879,680
88$5,456,729,072$275,193,071$106,642,969$3,974,029,451
89$6,012,934,349$288,296,443$109,834,420$4,375,161,714
90$6,625,860,560$302,029,877$113,120,781$4,817,041,970
91$7,301,292,862$316,423,866$116,504,852$5,303,819,505
92$8,045,606,487$331,510,388$119,989,517$5,840,066,525
93$8,865,826,926$347,322,974$123,577,744$6,430,821,282
94$9,769,696,261$363,896,788$127,272,586$7,081,635,591
95$10,765,746,249$381,268,701$131,077,188$7,798,627,206
96$11,863,378,877$399,477,378$134,994,785$8,588,537,522
97$13,072,955,119$418,563,366$139,028,706$9,458,795,174
98$14,405,892,752$438,569,182$143,182,379$10,417,586,116
99$15,874,774,155$459,539,413$147,459,330$11,473,930,852
100$17,493,465,091$481,520,817$151,863,190$12,637,769,536