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%16.6%
1 years$1,527,713$1,514,105$1,500,828$1,487,869$1,475,216$1,435,478
2 years$756,293$742,208$728,557$715,322$702,484$662,732
3 years$499,187$485,041$471,425$458,314$445,685$407,164
4 years$370,659$356,557$343,077$330,189$317,866$280,872
5 years$293,563$279,545$266,242$253,617$241,637$206,271
6 years$242,182$228,269$215,163$202,820$191,199$157,495
7 years$205,496$191,700$178,801$166,749$155,496$123,456
8 years$177,994$164,322$151,638$139,882$128,999$98,607
9 years$156,614$143,072$130,605$119,148$108,636$79,864
10 years$139,521$126,111$113,865$102,707$92,563$65,374
11 years$125,544$112,269$100,245$89,386$79,607$53,960
12 years$113,906$100,767$88,965$78,403$68,986$44,832
13 years$104,065$91,064$79,484$69,218$60,157$37,447
14 years$95,638$82,775$71,417$61,444$52,733$31,413
15 years$88,341$75,616$64,480$54,798$46,431$26,444
16 years$81,962$69,376$58,460$49,065$41,036$22,327
17 years$76,340$63,893$53,197$44,085$36,385$18,896
18 years$71,347$59,040$48,562$39,729$32,352$16,025
19 years$66,886$54,718$44,456$35,899$28,836$13,613
20 years$62,876$50,846$40,799$32,513$25,757$11,581
21 years$59,252$47,361$37,528$29,508$23,049$9,864
22 years$55,962$44,210$34,587$26,829$20,660$8,410
23 years$52,963$41,349$31,935$24,434$18,546$7,177
24 years$50,218$38,741$29,535$22,285$16,670$6,129
25 years$47,696$36,357$27,355$20,352$15,000$5,237
26 years$45,372$34,169$25,371$18,609$13,512$4,477
27 years$43,224$32,157$23,559$17,033$12,182$3,830
28 years$41,232$30,302$21,901$15,606$10,992$3,277
29 years$39,382$28,586$20,381$14,311$9,925$2,805
30 years$37,658$26,997$18,984$13,134$8,968$2,402
31 years$36,048$25,521$17,698$12,063$8,108$2,057
32 years$34,543$24,148$16,513$11,086$7,334$1,762
33 years$33,131$22,868$15,418$10,194$6,638$1,509
34 years$31,805$21,674$14,406$9,380$6,010$1,293
35 years$30,558$20,557$13,468$8,635$5,443$1,108
36 years$29,382$19,512$12,599$7,952$4,932$950
37 years$28,273$18,532$11,793$7,327$4,470$814
38 years$27,225$17,612$11,043$6,753$4,052$698
39 years$26,233$16,747$10,346$6,227$3,675$598
40 years$25,292$15,934$9,698$5,743$3,333$513
41 years$24,400$15,167$9,093$5,299$3,024$440
42 years$23,553$14,445$8,530$4,890$2,744$377
43 years$22,748$13,763$8,004$4,514$2,490$323
44 years$21,981$13,119$7,513$4,168$2,260$277
45 years$21,250$12,510$7,055$3,850$2,052$238
46 years$20,553$11,934$6,626$3,556$1,863$204
47 years$19,888$11,389$6,225$3,285$1,692$175
48 years$19,252$10,872$5,850$3,036$1,536$150
49 years$18,644$10,382$5,498$2,805$1,395$129
50 years$18,062$9,918$5,169$2,593$1,267$110

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 $2,669 every year, while hoping to spend $20,072 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: 48/43/9 Blend
29$18,500,000$18,500,000$18,500,000$18,500,000
30$20,389,753$19,409,253$19,122,503$21,318,774
31$22,448,151$20,338,950$19,741,750$22,886,303
32$24,715,834$21,313,529$20,381,070$24,584,935
33$27,214,126$22,335,169$21,041,113$26,428,708
34$29,966,528$23,406,154$21,722,551$28,431,143
35$32,998,936$24,528,878$22,426,079$30,607,086
36$36,339,889$25,705,854$23,152,414$32,972,831
37$40,020,833$26,939,717$23,902,296$35,546,269
38$44,076,424$28,233,228$24,676,488$38,347,049
39$48,544,848$29,589,286$25,475,780$41,396,751
40$53,468,190$31,010,928$26,300,986$44,719,082
41$58,892,823$32,501,342$27,152,947$48,340,087
42$64,869,852$34,063,868$28,032,531$52,288,386
43$71,455,591$35,702,012$28,940,635$56,595,433
44$78,712,100$37,419,449$29,878,185$61,295,797
45$86,707,766$39,220,033$30,846,136$66,427,482
46$95,517,951$41,107,808$31,845,474$72,032,265
47$105,225,704$43,087,013$32,877,220$78,156,084
48$115,922,542$45,162,093$33,942,423$84,849,451
49$127,709,319$47,337,713$35,042,172$92,167,917
50$140,697,171$49,618,762$36,177,586$100,172,581
51$155,008,571$52,010,370$37,349,824$108,930,646
52$170,778,483$54,517,916$38,560,080$118,516,041
53$188,155,636$57,147,041$39,809,591$129,010,097
54$207,303,927$59,903,663$41,099,629$140,502,296
55$228,403,972$62,793,986$42,431,510$153,091,099
56$251,654,804$65,824,519$43,806,593$166,884,849
57$277,275,761$69,002,087$45,226,281$182,002,775
58$305,508,549$72,333,850$46,692,021$198,576,094
59$336,619,527$75,827,314$48,205,310$216,749,226
60$370,902,221$79,490,355$49,767,690$236,681,130
61$408,680,097$83,331,232$51,380,757$258,546,779
62$450,309,610$87,358,606$53,046,156$282,538,786
63$496,183,574$91,581,561$54,765,586$308,869,187
64$546,734,867$96,009,626$56,540,802$337,771,421
65$602,440,520$100,652,795$58,373,615$369,502,494
66$663,826,219$105,521,548$60,265,897$404,345,373
67$731,471,268$110,626,877$62,219,579$442,611,626
68$806,014,056$115,980,314$64,236,654$484,644,322
69$888,158,090$121,593,949$66,319,182$530,821,234
70$978,678,629$127,480,466$68,469,288$581,558,361
71$1,078,430,008$133,653,168$70,689,168$637,313,818
72$1,188,353,701$140,126,006$72,981,088$698,592,111
73$1,309,487,213$146,913,614$75,347,388$765,948,856
74$1,442,973,867$154,031,340$77,790,484$839,995,975
75$1,590,073,607$161,495,281$80,312,872$921,407,420
76$1,752,174,888$169,322,323$82,917,125$1,010,925,484
77$1,930,807,783$177,530,173$85,605,906$1,109,367,751
78$2,127,658,432$186,137,407$88,381,958$1,217,634,754
79$2,344,584,957$195,163,505$91,248,119$1,336,718,417
80$2,583,635,006$204,628,900$94,207,315$1,467,711,355
81$2,847,065,086$214,555,025$97,262,569$1,611,817,116
82$3,137,361,862$224,964,359$100,417,002$1,770,361,478
83$3,457,265,638$235,880,478$103,673,837$1,944,804,886
84$3,809,796,223$247,328,112$107,036,402$2,136,756,165
85$4,198,281,448$259,333,199$110,508,131$2,347,987,621
86$4,626,388,575$271,922,945$114,092,572$2,580,451,693
87$5,098,158,925$285,125,885$117,793,389$2,836,299,289
88$5,618,046,030$298,971,948$121,614,362$3,117,900,003
89$6,190,957,679$313,492,527$125,559,397$3,427,864,381
90$6,822,302,251$328,720,550$129,632,526$3,769,068,470
91$7,518,039,777$344,690,553$133,837,912$4,144,680,851
92$8,284,738,205$361,438,761$138,179,853$4,558,192,447
93$9,129,635,411$379,003,170$142,662,787$5,013,449,357
94$10,060,707,531$397,423,633$147,291,299$5,514,689,041
95$11,086,744,260$416,741,952$152,070,118$6,066,580,192
96$12,217,431,840$437,001,973$157,004,132$6,674,266,677
97$13,463,444,501$458,249,683$162,098,384$7,343,415,950
98$14,836,545,245$480,533,322$167,358,085$8,080,272,412
99$16,349,696,891$503,903,486$172,788,611$8,891,716,199
100$18,017,184,461$528,413,244$178,395,517$9,785,327,972