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%14.9%
1 years$1,569,002$1,555,026$1,541,391$1,528,082$1,515,087$1,484,496
2 years$776,734$762,268$748,248$734,655$721,470$690,785
3 years$512,679$498,150$484,166$470,701$457,730$427,907
4 years$380,677$366,193$352,349$339,113$326,457$297,726
5 years$301,497$287,100$273,437$260,471$248,167$220,610
6 years$248,727$234,439$220,978$208,301$196,366$170,013
7 years$211,050$196,881$183,634$171,256$159,698$134,554
8 years$182,804$168,764$155,736$143,662$132,485$108,543
9 years$160,847$146,939$134,135$122,368$111,572$88,816
10 years$143,292$129,520$116,942$105,483$95,065$73,472
11 years$128,937$115,304$102,954$91,802$81,759$61,304
12 years$116,984$103,490$91,369$80,522$70,850$51,503
13 years$106,878$93,525$81,632$71,089$61,783$43,511
14 years$98,223$85,012$73,347$63,105$54,159$36,926
15 years$90,728$77,660$66,222$56,279$47,686$31,457
16 years$84,177$71,251$60,040$50,391$42,145$26,882
17 years$78,403$65,620$54,634$45,276$37,368$23,033
18 years$73,276$60,636$49,874$40,803$33,226$19,779
19 years$68,694$56,197$45,657$36,869$29,615$17,017
20 years$64,575$52,221$41,902$33,392$26,453$14,664
21 years$60,853$48,641$38,542$30,305$23,672$12,653
22 years$57,475$45,405$35,522$27,554$21,219$10,931
23 years$54,394$42,466$32,798$25,094$19,047$9,453
24 years$51,575$39,788$30,333$22,888$17,120$8,182
25 years$48,985$37,339$28,094$20,902$15,406$7,087
26 years$46,598$35,093$26,056$19,112$13,877$6,142
27 years$44,392$33,026$24,195$17,494$12,511$5,327
28 years$42,347$31,121$22,493$16,028$11,289$4,622
29 years$40,446$29,359$20,931$14,698$10,194$4,011
30 years$38,676$27,726$19,497$13,489$9,211$3,483
31 years$37,023$26,211$18,176$12,389$8,327$3,025
32 years$35,476$24,800$16,959$11,385$7,533$2,628
33 years$34,026$23,486$15,835$10,470$6,817$2,284
34 years$32,665$22,260$14,795$9,633$6,172$1,985
35 years$31,384$21,113$13,832$8,868$5,590$1,726
36 years$30,176$20,039$12,940$8,167$5,065$1,500
37 years$29,037$19,033$12,111$7,525$4,591$1,305
38 years$27,961$18,088$11,342$6,936$4,162$1,135
39 years$26,942$17,200$10,626$6,395$3,774$987
40 years$25,976$16,364$9,960$5,899$3,423$858
41 years$25,060$15,577$9,339$5,442$3,106$747
42 years$24,190$14,835$8,760$5,023$2,818$650
43 years$23,362$14,135$8,220$4,636$2,558$565
44 years$22,575$13,474$7,716$4,281$2,321$492
45 years$21,824$12,848$7,245$3,954$2,107$428
46 years$21,108$12,257$6,805$3,652$1,913$372
47 years$20,425$11,697$6,393$3,374$1,738$324
48 years$19,772$11,166$6,008$3,118$1,578$282
49 years$19,148$10,663$5,647$2,881$1,433$245
50 years$18,551$10,186$5,309$2,663$1,302$213

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 $2,878 every year, while hoping to spend $49,218 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: 43/41/16 Blend
29$19,000,000$19,000,000$19,000,000$19,000,000
30$20,940,969$19,933,969$19,639,469$21,743,865
31$23,024,580$20,858,366$20,245,023$23,232,749
32$25,319,070$21,826,408$20,869,214$24,839,692
33$27,845,896$22,840,184$21,512,614$26,579,579
34$30,628,704$23,901,879$22,175,813$28,464,653
35$33,693,547$25,013,787$22,859,419$30,508,346
36$37,069,138$26,178,310$23,564,057$32,725,402
37$40,787,112$27,397,970$24,290,375$35,132,002
38$44,882,332$28,675,405$25,039,038$37,745,912
39$49,393,215$30,013,386$25,810,731$40,586,640
40$54,362,095$31,414,813$26,606,162$43,675,612
41$59,835,619$32,882,729$27,426,059$47,036,362
42$65,865,194$34,420,325$28,271,174$50,694,745
43$72,507,465$36,030,941$29,142,279$54,679,168
44$79,824,854$37,718,085$30,040,173$59,020,851
45$87,886,148$39,485,431$30,965,678$63,754,106
46$96,767,147$41,336,829$31,919,641$68,916,649
47$106,551,382$43,276,320$32,902,934$74,549,941
48$117,330,899$45,308,136$33,916,459$80,699,571
49$129,207,133$47,436,716$34,961,142$87,415,667
50$142,291,859$49,666,714$36,037,939$94,753,354
51$156,708,254$52,003,008$37,147,835$102,773,262
52$172,592,053$54,450,713$38,291,845$111,542,079
53$190,092,837$57,015,192$39,471,016$121,133,163
54$209,375,436$59,702,066$40,686,425$131,627,220
55$230,621,495$62,517,231$41,939,184$143,113,041
56$254,031,179$65,466,867$43,230,438$155,688,326
57$279,825,068$68,557,453$44,561,368$169,460,579
58$308,246,240$71,795,783$45,933,189$184,548,109
59$339,562,561$75,188,981$47,347,154$201,081,119
60$374,069,215$78,744,513$48,804,557$219,202,910
61$412,091,493$82,470,213$50,306,727$239,071,212
62$453,987,860$86,374,288$51,855,038$260,859,647
63$500,153,343$90,465,349$53,450,903$284,759,338
64$551,023,254$94,752,422$55,095,779$310,980,687
65$607,077,307$99,244,971$56,791,167$339,755,328
66$668,844,137$103,952,920$58,538,617$371,338,286
67$736,906,300$108,886,673$60,339,721$406,010,350
68$811,905,765$114,057,143$62,196,124$444,080,688
69$894,549,979$119,475,769$64,109,521$485,889,732
70$985,618,543$125,154,547$66,081,655$531,812,351
71$1,085,970,570$131,106,056$68,114,327$582,261,353
72$1,196,552,801$137,343,486$70,209,389$637,691,339
73$1,318,408,536$143,880,666$72,368,753$698,602,954
74$1,452,687,488$150,732,100$74,594,387$765,547,563
75$1,600,656,633$157,912,994$76,888,321$839,132,411
76$1,763,712,174$165,439,295$79,252,644$920,026,309
77$1,943,392,720$173,327,725$81,689,512$1,008,965,889
78$2,141,393,811$181,595,818$84,201,145$1,106,762,510
79$2,359,583,928$190,261,961$86,789,831$1,214,309,857
80$2,600,022,127$199,345,435$89,457,929$1,332,592,316
81$2,864,977,482$208,866,460$92,207,868$1,462,694,211
82$3,156,950,506$218,846,237$95,042,152$1,605,809,967
83$3,478,696,757$229,307,001$97,963,363$1,763,255,323
84$3,833,252,849$240,272,068$100,974,159$1,936,479,677
85$4,223,965,127$251,765,887$104,077,281$2,127,079,698
86$4,654,521,253$263,814,098$107,275,553$2,336,814,315
87$5,128,985,022$276,443,590$110,571,885$2,567,621,246
88$5,651,834,728$289,682,559$113,969,276$2,821,635,197
89$6,228,005,440$303,560,574$117,470,816$3,101,207,931
90$6,862,935,597$318,108,645$121,079,691$3,408,930,369
91$7,562,618,348$333,359,289$124,799,181$3,747,656,955
92$8,333,658,135$349,346,609$128,632,669$4,120,532,496
93$9,183,333,041$366,106,369$132,583,640$4,531,021,742
94$10,119,663,503$383,676,073$136,655,683$4,982,941,984
95$11,151,488,033$402,095,053$140,852,501$5,480,498,967
96$12,288,546,658$421,404,557$145,177,906$6,028,326,473
97$13,541,572,879$441,647,842$149,635,828$6,631,529,933
98$14,922,395,000$462,870,273$154,230,315$7,295,734,489
99$16,444,047,801$485,119,427$158,965,541$8,027,137,954
100$18,120,895,595$508,445,198$163,845,806$8,832,569,173