Can I retire at age 30 with 19,100,000?

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 $19,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$1,577,260$1,563,211$1,549,504$1,536,125$1,523,061$1,473,717
2 years$780,822$766,280$752,186$738,521$725,267$676,017
3 years$515,377$500,772$486,714$473,178$460,139$412,528
4 years$382,681$368,121$354,203$340,898$328,175$282,568
5 years$303,084$288,611$274,876$261,842$249,474$205,993
6 years$250,036$235,673$222,141$209,397$197,400$156,082
7 years$212,160$197,918$184,600$172,157$160,539$121,378
8 years$183,766$169,652$156,556$144,418$133,183$96,152
9 years$161,694$147,712$134,841$123,012$112,159$77,215
10 years$144,046$130,201$117,558$106,038$95,565$62,655
11 years$129,616$115,911$103,496$92,285$82,189$51,251
12 years$117,600$104,035$91,850$80,946$71,223$42,189
13 years$107,440$94,017$82,062$71,463$62,108$34,907
14 years$98,740$85,459$73,733$63,437$54,444$29,000
15 years$91,206$78,068$66,571$56,575$47,936$24,173
16 years$84,620$71,626$60,356$50,657$42,366$20,205
17 years$78,815$65,965$54,922$45,515$37,565$16,926
18 years$73,661$60,955$50,137$41,018$33,401$14,206
19 years$69,055$56,492$45,898$37,063$29,771$11,941
20 years$64,915$52,495$42,123$33,568$26,592$10,051
21 years$61,174$48,897$38,745$30,465$23,797$8,469
22 years$57,777$45,644$35,709$27,700$21,331$7,142
23 years$54,681$42,690$32,971$25,226$19,148$6,028
24 years$51,846$39,998$30,493$23,008$17,210$5,091
25 years$49,243$37,536$28,242$21,012$15,487$4,302
26 years$46,843$35,278$26,193$19,213$13,950$3,636
27 years$44,626$33,200$24,323$17,586$12,577$3,075
28 years$42,570$31,284$22,611$16,112$11,348$2,602
29 years$40,659$29,513$21,042$14,775$10,247$2,201
30 years$38,879$27,872$19,600$13,560$9,259$1,863
31 years$37,218$26,348$18,272$12,454$8,371$1,577
32 years$35,663$24,931$17,048$11,445$7,572$1,335
33 years$34,205$23,610$15,918$10,525$6,853$1,131
34 years$32,836$22,377$14,873$9,684$6,205$958
35 years$31,549$21,224$13,905$8,915$5,620$811
36 years$30,335$20,145$13,008$8,210$5,092$687
37 years$29,190$19,133$12,175$7,564$4,615$582
38 years$28,108$18,183$11,401$6,972$4,184$493
39 years$27,083$17,290$10,682$6,429$3,794$418
40 years$26,113$16,450$10,012$5,930$3,441$354
41 years$25,192$15,659$9,388$5,471$3,122$300
42 years$24,317$14,913$8,806$5,049$2,833$254
43 years$23,485$14,209$8,264$4,661$2,571$215
44 years$22,694$13,545$7,757$4,303$2,334$182
45 years$21,939$12,916$7,283$3,974$2,119$155
46 years$21,220$12,321$6,841$3,671$1,924$131
47 years$20,533$11,758$6,427$3,392$1,747$111
48 years$19,876$11,225$6,039$3,134$1,586$94
49 years$19,249$10,719$5,677$2,896$1,441$80
50 years$18,648$10,239$5,337$2,677$1,309$68

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $19,100,000, adding $4,578 every year, while hoping to spend $48,447 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: 62/23/15 Blend
29$19,100,000$19,100,000$19,100,000$19,100,000
30$21,052,922$20,040,622$19,744,572$22,279,926
31$23,148,773$20,971,065$20,354,468$24,035,408
32$25,456,777$21,945,477$20,983,172$25,945,019
33$27,998,522$22,965,959$21,631,262$28,028,456
34$30,797,798$24,034,718$22,299,336$30,302,598
35$33,880,818$25,154,063$22,988,008$32,786,008
36$37,276,468$26,326,419$23,697,913$35,499,105
37$41,016,577$27,554,323$24,429,703$38,464,351
38$45,136,223$28,840,439$25,184,052$41,706,457
39$49,674,054$30,187,558$25,961,655$45,252,613
40$54,672,664$31,598,604$26,763,226$49,132,735
41$60,178,985$33,076,645$27,589,504$53,379,745
42$66,244,736$34,624,896$28,441,247$58,029,873
43$72,926,911$36,246,727$29,319,240$63,122,994
44$80,288,311$37,945,672$30,224,290$68,702,994
45$88,398,144$39,725,435$31,157,229$74,818,182
46$97,332,673$41,589,900$32,118,915$81,521,734
47$107,175,939$43,543,139$33,110,232$88,872,190
48$118,020,551$45,589,419$34,132,091$96,933,994
49$129,968,563$47,733,215$35,185,431$105,778,100
50$143,132,434$49,979,220$36,271,221$115,482,627
51$157,636,092$52,332,353$37,390,457$126,133,590
52$173,616,105$54,797,769$38,544,169$137,825,699
53$191,222,965$57,380,877$39,733,415$150,663,246
54$210,622,511$60,087,344$40,959,289$164,761,079
55$231,997,498$62,923,115$42,222,916$180,245,668
56$255,549,316$65,894,420$43,525,456$197,256,297
57$281,499,893$69,007,793$44,868,106$215,946,358
58$310,093,792$72,270,086$46,252,098$236,484,789
59$341,600,518$75,688,479$47,678,702$259,057,658
60$376,317,060$79,270,503$49,149,228$283,869,899
61$414,570,698$83,024,056$50,665,025$311,147,238
62$456,722,090$86,957,416$52,227,484$341,138,305
63$503,168,677$91,079,263$53,838,039$374,116,963
64$554,348,436$95,398,700$55,498,167$410,384,882
65$610,744,011$99,925,272$57,209,390$450,274,363
66$672,887,274$104,668,984$58,973,279$494,151,459
67$741,364,342$109,640,330$60,791,450$542,419,412
68$816,821,113$114,850,314$62,665,570$595,522,438
69$899,969,358$120,310,471$64,597,359$653,949,900
70$991,593,448$126,032,899$66,588,586$718,240,903
71$1,092,557,752$132,030,284$68,641,076$788,989,363
72$1,203,814,801$138,315,926$70,756,710$866,849,589
73$1,326,414,278$144,903,774$72,937,427$952,542,432
74$1,461,512,928$151,808,453$75,185,225$1,046,862,065
75$1,610,385,479$159,045,299$77,502,162$1,150,683,454
76$1,774,436,675$166,630,396$79,890,361$1,264,970,585
77$1,955,214,536$174,580,606$82,352,009$1,390,785,537
78$2,154,424,977$182,913,614$84,889,360$1,529,298,474
79$2,373,947,908$191,647,964$87,504,737$1,681,798,662
80$2,615,854,982$200,803,102$90,200,533$1,849,706,599
81$2,882,429,156$210,399,420$92,979,217$2,034,587,398
82$3,176,186,241$220,458,302$95,843,331$2,238,165,513
83$3,499,898,651$231,002,172$98,795,497$2,462,340,987
84$3,856,621,582$242,054,547$101,838,414$2,709,207,345
85$4,249,721,849$253,640,086$104,974,867$2,981,071,311
86$4,682,909,678$265,784,650$108,207,725$3,280,474,545
87$5,160,273,724$278,515,358$111,539,943$3,610,217,583
88$5,686,319,683$291,860,649$114,974,570$3,973,386,228
89$6,266,012,817$305,850,347$118,514,745$4,373,380,632
90$6,904,824,840$320,515,729$122,163,704$4,813,947,335
91$7,608,785,568$335,889,595$125,924,783$5,299,214,582
92$8,384,539,852$352,006,341$129,801,418$5,833,731,232
93$9,239,410,304$368,902,039$133,797,153$6,422,509,640
94$10,181,466,435$386,614,519$137,915,638$7,071,072,912
95$11,219,600,835$405,183,453$142,160,635$7,785,506,978
96$12,363,613,125$424,650,447$146,536,021$8,572,517,971
97$13,624,302,478$445,059,134$151,045,793$9,439,495,466
98$15,013,569,571$466,455,272$155,694,067$10,394,582,159
99$16,544,528,937$488,886,850$160,485,088$11,446,750,663
100$18,231,632,779$512,404,196$165,423,229$12,605,888,122