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%12.3%
1 years$1,527,713$1,514,105$1,500,828$1,487,869$1,475,216$1,461,026
2 years$756,293$742,208$728,557$715,322$702,484$688,189
3 years$499,187$485,041$471,425$458,314$445,685$431,729
4 years$370,659$356,557$343,077$330,189$317,866$304,357
5 years$293,563$279,545$266,242$253,617$241,637$228,613
6 years$242,182$228,269$215,163$202,820$191,199$178,677
7 years$205,496$191,700$178,801$166,749$155,496$143,482
8 years$177,994$164,322$151,638$139,882$128,999$117,492
9 years$156,614$143,072$130,605$119,148$108,636$97,632
10 years$139,521$126,111$113,865$102,707$92,563$82,056
11 years$125,544$112,269$100,245$89,386$79,607$69,588
12 years$113,906$100,767$88,965$78,403$68,986$59,445
13 years$104,065$91,064$79,484$69,218$60,157$51,083
14 years$95,638$82,775$71,417$61,444$52,733$44,115
15 years$88,341$75,616$64,480$54,798$46,431$38,254
16 years$81,962$69,376$58,460$49,065$41,036$33,288
17 years$76,340$63,893$53,197$44,085$36,385$29,053
18 years$71,347$59,040$48,562$39,729$32,352$25,421
19 years$66,886$54,718$44,456$35,899$28,836$22,291
20 years$62,876$50,846$40,799$32,513$25,757$19,583
21 years$59,252$47,361$37,528$29,508$23,049$17,233
22 years$55,962$44,210$34,587$26,829$20,660$15,186
23 years$52,963$41,349$31,935$24,434$18,546$13,399
24 years$50,218$38,741$29,535$22,285$16,670$11,834
25 years$47,696$36,357$27,355$20,352$15,000$10,463
26 years$45,372$34,169$25,371$18,609$13,512$9,258
27 years$43,224$32,157$23,559$17,033$12,182$8,198
28 years$41,232$30,302$21,901$15,606$10,992$7,263
29 years$39,382$28,586$20,381$14,311$9,925$6,439
30 years$37,658$26,997$18,984$13,134$8,968$5,712
31 years$36,048$25,521$17,698$12,063$8,108$5,068
32 years$34,543$24,148$16,513$11,086$7,334$4,499
33 years$33,131$22,868$15,418$10,194$6,638$3,996
34 years$31,805$21,674$14,406$9,380$6,010$3,549
35 years$30,558$20,557$13,468$8,635$5,443$3,154
36 years$29,382$19,512$12,599$7,952$4,932$2,803
37 years$28,273$18,532$11,793$7,327$4,470$2,492
38 years$27,225$17,612$11,043$6,753$4,052$2,215
39 years$26,233$16,747$10,346$6,227$3,675$1,970
40 years$25,292$15,934$9,698$5,743$3,333$1,752
41 years$24,400$15,167$9,093$5,299$3,024$1,559
42 years$23,553$14,445$8,530$4,890$2,744$1,387
43 years$22,748$13,763$8,004$4,514$2,490$1,234
44 years$21,981$13,119$7,513$4,168$2,260$1,098
45 years$21,250$12,510$7,055$3,850$2,052$977
46 years$20,553$11,934$6,626$3,556$1,863$869
47 years$19,888$11,389$6,225$3,285$1,692$774
48 years$19,252$10,872$5,850$3,036$1,536$689
49 years$18,644$10,382$5,498$2,805$1,395$613
50 years$18,062$9,918$5,169$2,593$1,267$546

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 $2,872 every year, while hoping to spend $33,970 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: 57/18/25 Blend
29$18,500,000$18,500,000$18,500,000$18,500,000
30$20,389,962$19,409,462$19,122,712$21,413,253
31$22,433,595$20,324,382$19,727,180$23,028,821
32$24,684,539$21,282,995$20,350,758$24,784,937
33$27,163,905$22,287,405$20,994,051$26,698,278
34$29,894,956$23,339,819$21,657,684$28,784,035
35$32,903,323$24,442,553$22,342,299$31,058,910
36$36,217,256$25,598,031$23,048,559$33,541,278
37$39,867,880$26,808,799$23,777,150$36,251,348
38$43,889,496$28,077,523$24,528,777$39,211,352
39$48,319,903$29,406,999$25,304,169$42,445,747
40$53,200,752$30,800,161$26,104,077$45,981,447
41$58,577,942$32,260,082$26,929,277$49,848,062
42$64,502,053$33,789,988$27,780,569$54,078,180
43$71,028,822$35,393,257$28,658,778$58,707,662
44$78,219,670$37,073,434$29,564,755$63,775,978
45$86,142,280$38,834,236$30,499,378$69,326,573
46$94,871,239$40,679,560$31,463,554$75,407,266
47$104,488,739$42,613,492$32,458,217$82,070,700
48$115,085,354$44,640,317$33,484,330$89,374,826
49$126,760,895$46,764,527$34,542,890$97,383,444
50$139,625,351$48,990,833$35,634,921$106,166,798
51$153,799,929$51,324,177$36,761,484$115,802,230
52$169,418,197$53,769,737$37,923,669$126,374,898
53$186,627,344$56,332,945$39,122,603$137,978,576
54$205,589,573$59,019,499$40,359,449$150,716,525
55$226,483,625$61,835,370$41,635,406$164,702,458
56$249,506,473$64,786,822$42,951,712$180,061,605
57$274,875,180$67,880,423$44,309,641$196,931,879
58$302,828,945$71,123,060$45,710,510$215,465,174
59$333,631,364$74,521,957$47,155,679$235,828,778
60$367,572,917$78,084,686$48,646,547$258,206,947
61$404,973,709$81,819,190$50,184,561$282,802,625
62$446,186,495$85,733,798$51,771,212$309,839,349
63$491,600,007$89,837,244$53,408,037$339,563,344
64$541,642,626$94,138,687$55,096,625$372,245,834
65$596,786,424$98,647,733$56,838,612$408,185,582
66$657,551,621$103,374,454$58,635,687$447,711,698
67$724,511,497$108,329,413$60,489,594$491,186,727
68$798,297,804$113,523,688$62,402,129$539,010,053
69$879,606,727$118,968,895$64,375,147$591,621,653
70$969,205,460$124,677,218$66,410,561$649,506,226
71$1,067,939,447$130,661,432$68,510,346$713,197,751
72$1,176,740,365$136,934,937$70,676,536$783,284,509
73$1,296,634,916$143,511,782$72,911,234$860,414,608
74$1,428,754,523$150,406,705$75,216,606$945,302,083
75$1,574,346,009$157,635,158$77,594,887$1,038,733,609
76$1,734,783,370$165,213,349$80,048,384$1,141,575,906
77$1,911,580,745$173,158,275$82,579,476$1,254,783,887
78$2,106,406,711$181,487,760$85,190,618$1,379,409,654
79$2,321,100,034$190,220,500$87,884,343$1,516,612,393
80$2,557,687,032$199,376,098$90,663,262$1,667,669,293
81$2,818,400,699$208,975,116$93,530,071$1,833,987,566
82$3,105,701,792$219,039,119$96,487,551$2,017,117,703
83$3,422,302,060$229,590,721$99,538,568$2,218,768,073
84$3,771,189,843$240,653,639$102,686,084$2,440,821,015
85$4,155,658,289$252,252,750$105,933,150$2,685,350,573
86$4,579,336,440$264,414,140$109,282,915$2,954,642,034
87$5,046,223,494$277,165,169$112,738,630$3,251,213,460
88$5,560,726,561$290,534,534$116,303,645$3,577,839,418
89$6,127,702,272$304,552,327$119,981,419$3,937,577,128
90$6,752,502,625$319,250,113$123,775,518$4,333,795,276
91$7,441,025,519$334,660,995$127,689,624$4,770,205,771
92$8,199,770,428$350,819,690$131,727,532$5,250,898,729
93$9,035,899,767$367,762,610$135,893,160$5,780,381,037
94$9,957,306,511$385,527,945$140,190,549$6,363,618,844
95$10,972,688,709$404,155,749$144,623,866$7,006,084,384
96$12,091,631,605$423,688,028$149,197,413$7,713,807,573
97$13,324,698,128$444,168,841$153,915,626$8,493,432,879
98$14,683,528,620$465,644,397$158,783,082$9,352,281,972
99$16,180,950,727$488,163,160$163,804,504$10,298,422,782
100$17,831,100,509$511,775,962$168,984,762$11,340,745,591