Can I retire at age 30 with 19,000,000?

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 $19,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$1,569,002$1,555,026$1,541,391$1,528,082$1,515,087$1,457,854
2 years$776,734$762,268$748,248$734,655$721,470$664,473
3 years$512,679$498,150$484,166$470,701$457,730$402,762
4 years$380,677$366,193$352,349$339,113$326,457$273,938
5 years$301,497$287,100$273,437$260,471$248,167$198,232
6 years$248,727$234,439$220,978$208,301$196,366$149,049
7 years$211,050$196,881$183,634$171,256$159,698$114,986
8 years$182,804$168,764$155,736$143,662$132,485$90,336
9 years$160,847$146,939$134,135$122,368$111,572$71,925
10 years$143,292$129,520$116,942$105,483$95,065$57,849
11 years$128,937$115,304$102,954$91,802$81,759$46,891
12 years$116,984$103,490$91,369$80,522$70,850$38,242
13 years$106,878$93,525$81,632$71,089$61,783$31,340
14 years$98,223$85,012$73,347$63,105$54,159$25,784
15 years$90,728$77,660$66,222$56,279$47,686$21,279
16 years$84,177$71,251$60,040$50,391$42,145$17,607
17 years$78,403$65,620$54,634$45,276$37,368$14,598
18 years$73,276$60,636$49,874$40,803$33,226$12,125
19 years$68,694$56,197$45,657$36,869$29,615$10,084
20 years$64,575$52,221$41,902$33,392$26,453$8,397
21 years$60,853$48,641$38,542$30,305$23,672$6,999
22 years$57,475$45,405$35,522$27,554$21,219$5,838
23 years$54,394$42,466$32,798$25,094$19,047$4,873
24 years$51,575$39,788$30,333$22,888$17,120$4,070
25 years$48,985$37,339$28,094$20,902$15,406$3,401
26 years$46,598$35,093$26,056$19,112$13,877$2,843
27 years$44,392$33,026$24,195$17,494$12,511$2,377
28 years$42,347$31,121$22,493$16,028$11,289$1,988
29 years$40,446$29,359$20,931$14,698$10,194$1,663
30 years$38,676$27,726$19,497$13,489$9,211$1,392
31 years$37,023$26,211$18,176$12,389$8,327$1,165
32 years$35,476$24,800$16,959$11,385$7,533$975
33 years$34,026$23,486$15,835$10,470$6,817$816
34 years$32,665$22,260$14,795$9,633$6,172$683
35 years$31,384$21,113$13,832$8,868$5,590$572
36 years$30,176$20,039$12,940$8,167$5,065$479
37 years$29,037$19,033$12,111$7,525$4,591$401
38 years$27,961$18,088$11,342$6,936$4,162$336
39 years$26,942$17,200$10,626$6,395$3,774$281
40 years$25,976$16,364$9,960$5,899$3,423$235
41 years$25,060$15,577$9,339$5,442$3,106$197
42 years$24,190$14,835$8,760$5,023$2,818$165
43 years$23,362$14,135$8,220$4,636$2,558$138
44 years$22,575$13,474$7,716$4,281$2,321$116
45 years$21,824$12,848$7,245$3,954$2,107$97
46 years$21,108$12,257$6,805$3,652$1,913$81
47 years$20,425$11,697$6,393$3,374$1,738$68
48 years$19,772$11,166$6,008$3,118$1,578$57
49 years$19,148$10,663$5,647$2,881$1,433$48
50 years$18,551$10,186$5,309$2,663$1,302$40

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $19,000,000, adding $2,951 every year, while hoping to spend $22,778 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: 63/7/30 Blend
29$19,000,000$19,000,000$19,000,000$19,000,000
30$20,941,044$19,934,044$19,639,544$22,091,290
31$23,052,795$20,886,576$20,273,233$23,825,935
32$25,379,181$21,885,020$20,927,387$25,717,247
33$27,942,071$22,931,599$21,602,668$27,782,841
34$30,765,563$24,028,649$22,299,759$30,039,832
35$33,876,214$25,178,616$23,019,364$32,507,053
36$37,303,287$26,384,067$23,762,212$35,205,236
37$41,079,030$27,647,694$24,529,054$38,157,200
38$45,238,979$28,972,319$25,320,665$41,388,064
39$49,822,294$30,360,902$26,137,847$44,925,481
40$54,872,130$31,816,548$26,981,426$48,799,896
41$60,436,039$33,342,510$27,852,256$53,044,826
42$66,566,426$34,942,204$28,751,217$57,697,178
43$73,321,038$36,619,209$29,679,220$62,797,588
44$80,763,513$38,377,280$30,637,203$68,390,805
45$88,963,979$40,220,354$31,626,136$74,526,104
46$97,999,713$42,152,560$32,647,020$81,257,752
47$107,955,876$44,178,228$33,700,888$88,645,509
48$118,926,315$46,301,900$34,788,807$96,755,193
49$131,014,444$48,528,338$35,911,878$105,659,294
50$144,334,229$50,862,538$37,071,237$115,437,651
51$159,011,255$53,309,738$38,268,058$126,178,203
52$175,183,919$55,875,430$39,503,554$137,977,811
53$193,004,730$58,565,378$40,778,974$150,943,168
54$212,641,753$61,385,622$42,095,610$165,191,799
55$234,280,195$64,342,500$43,454,796$180,853,163
56$258,124,150$67,442,659$44,857,908$198,069,872
57$284,398,532$70,693,067$46,306,366$216,999,025
58$313,351,190$74,101,036$47,801,638$237,813,687
59$345,255,257$77,674,231$49,345,237$260,704,514
60$380,411,718$81,420,694$50,938,728$285,881,545
61$419,152,262$85,348,857$52,583,724$313,576,177
62$461,842,406$89,467,564$54,281,892$344,043,340
63$508,884,947$93,786,091$56,034,951$377,563,896
64$560,723,769$98,314,166$57,844,679$414,447,279
65$617,848,025$103,061,992$59,712,908$455,034,407
66$680,796,765$108,040,271$61,641,531$499,700,894
67$750,164,015$113,260,224$63,632,503$548,860,579
68$826,604,394$118,733,624$65,687,841$602,969,427
69$910,839,286$124,472,815$67,809,627$662,529,819
70$1,003,663,656$130,490,746$70,000,013$728,095,284
71$1,105,953,553$136,800,997$72,261,217$800,275,715
72$1,218,674,379$143,417,810$74,595,532$879,743,109
73$1,342,890,008$150,356,125$77,005,324$967,237,899
74$1,479,772,822$157,631,608$79,493,036$1,063,575,933
75$1,630,614,786$165,260,693$82,061,189$1,169,656,160
76$1,796,839,642$173,260,615$84,712,387$1,286,469,099
77$1,980,016,351$181,649,451$87,449,317$1,415,106,178
78$2,181,873,905$190,446,160$90,274,756$1,556,770,021
79$2,404,317,650$199,670,629$93,191,567$1,712,785,780
80$2,649,447,274$209,343,713$96,202,708$1,884,613,635
81$2,919,576,631$219,487,290$99,311,233$2,073,862,554
82$3,217,255,582$230,124,302$102,520,294$2,282,305,468
83$3,545,294,074$241,278,815$105,833,146$2,511,895,985
84$3,906,788,662$252,976,069$109,253,149$2,764,786,817
85$4,305,151,747$265,242,539$112,783,772$3,043,350,076
86$4,744,143,793$278,105,991$116,428,596$3,350,199,652
87$5,227,908,824$291,595,549$120,191,318$3,688,215,859
88$5,761,013,553$305,741,759$124,075,756$4,060,572,612
89$6,348,490,492$320,576,662$128,085,851$4,470,767,356
90$6,995,885,466$336,133,862$132,225,670$4,922,654,065
91$7,709,309,969$352,448,607$136,499,416$5,420,479,597
92$8,495,498,863$369,557,866$140,911,423$5,968,923,756
93$9,361,873,962$387,500,416$145,466,171$6,573,143,447
94$10,316,614,098$406,316,929$150,168,280$7,238,821,325
95$11,368,732,342$426,050,064$155,022,523$7,972,219,418
96$12,528,161,090$446,744,566$160,033,826$8,780,238,204
97$13,805,845,838$468,447,367$165,207,277$9,670,481,729
98$15,213,848,520$491,207,694$170,548,126$10,651,329,351
99$16,765,461,376$515,077,178$176,061,796$11,732,014,816
100$18,475,332,454$540,109,977$181,753,883$12,922,713,390