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%19.1%
1 years$1,577,260$1,563,211$1,549,504$1,536,125$1,523,061$1,467,271
2 years$780,822$766,280$752,186$738,521$725,267$669,681
3 years$515,377$500,772$486,714$473,178$460,139$406,505
4 years$382,681$368,121$354,203$340,898$328,175$276,901
5 years$303,084$288,611$274,876$261,842$249,474$200,694
6 years$250,036$235,673$222,141$209,397$197,400$151,150
7 years$212,160$197,918$184,600$172,157$160,539$116,807
8 years$183,766$169,652$156,556$144,418$133,183$91,930
9 years$161,694$147,712$134,841$123,012$112,159$73,330
10 years$144,046$130,201$117,558$106,038$95,565$59,090
11 years$129,616$115,911$103,496$92,285$82,189$47,991
12 years$117,600$104,035$91,850$80,946$71,223$39,218
13 years$107,440$94,017$82,062$71,463$62,108$32,206
14 years$98,740$85,459$73,733$63,437$54,444$26,552
15 years$91,206$78,068$66,571$56,575$47,936$21,960
16 years$84,620$71,626$60,356$50,657$42,366$18,209
17 years$78,815$65,965$54,922$45,515$37,565$15,131
18 years$73,661$60,955$50,137$41,018$33,401$12,596
19 years$69,055$56,492$45,898$37,063$29,771$10,500
20 years$64,915$52,495$42,123$33,568$26,592$8,764
21 years$61,174$48,897$38,745$30,465$23,797$7,321
22 years$57,777$45,644$35,709$27,700$21,331$6,122
23 years$54,681$42,690$32,971$25,226$19,148$5,122
24 years$51,846$39,998$30,493$23,008$17,210$4,288
25 years$49,243$37,536$28,242$21,012$15,487$3,592
26 years$46,843$35,278$26,193$19,213$13,950$3,009
27 years$44,626$33,200$24,323$17,586$12,577$2,522
28 years$42,570$31,284$22,611$16,112$11,348$2,115
29 years$40,659$29,513$21,042$14,775$10,247$1,774
30 years$38,879$27,872$19,600$13,560$9,259$1,488
31 years$37,218$26,348$18,272$12,454$8,371$1,248
32 years$35,663$24,931$17,048$11,445$7,572$1,047
33 years$34,205$23,610$15,918$10,525$6,853$879
34 years$32,836$22,377$14,873$9,684$6,205$737
35 years$31,549$21,224$13,905$8,915$5,620$619
36 years$30,335$20,145$13,008$8,210$5,092$519
37 years$29,190$19,133$12,175$7,564$4,615$436
38 years$28,108$18,183$11,401$6,972$4,184$366
39 years$27,083$17,290$10,682$6,429$3,794$307
40 years$26,113$16,450$10,012$5,930$3,441$258
41 years$25,192$15,659$9,388$5,471$3,122$217
42 years$24,317$14,913$8,806$5,049$2,833$182
43 years$23,485$14,209$8,264$4,661$2,571$153
44 years$22,694$13,545$7,757$4,303$2,334$128
45 years$21,939$12,916$7,283$3,974$2,119$108
46 years$21,220$12,321$6,841$3,671$1,924$90
47 years$20,533$11,758$6,427$3,392$1,747$76
48 years$19,876$11,225$6,039$3,134$1,586$64
49 years$19,249$10,719$5,677$2,896$1,441$53
50 years$18,648$10,239$5,337$2,677$1,309$45

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 $3,791 every year, while hoping to spend $56,845 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: 41/30/29 Blend
29$19,100,000$19,100,000$19,100,000$19,100,000
30$21,052,110$20,039,810$19,743,760$21,735,535
31$23,138,943$20,961,278$20,344,694$23,152,768
32$25,436,727$21,925,993$20,963,853$24,680,246
33$27,966,921$22,936,014$21,601,789$26,332,620
34$30,753,166$23,993,498$22,259,069$28,121,423
35$33,821,518$25,100,709$22,936,277$30,059,313
36$37,200,685$26,260,015$23,634,014$32,160,187
37$40,922,302$27,473,903$24,352,901$34,439,307
38$45,021,229$28,744,977$25,093,575$36,913,434
39$49,535,880$30,075,966$25,856,695$39,600,981
40$54,508,583$31,469,732$26,642,938$42,522,177
41$59,985,983$32,929,274$27,453,001$45,699,248
42$66,019,480$34,457,735$28,287,604$49,156,625
43$72,665,714$36,058,411$29,147,485$52,921,156
44$79,987,100$37,734,756$30,033,409$57,022,358
45$88,052,416$39,490,391$30,946,160$61,492,681
46$96,937,453$41,329,110$31,886,547$66,367,806
47$106,725,730$43,254,893$32,855,403$71,686,971
48$117,509,282$45,271,911$33,853,586$77,493,329
49$129,389,528$47,384,534$34,881,981$83,834,343
50$142,478,230$49,597,346$35,941,497$90,762,226
51$156,898,545$51,915,151$37,033,073$98,334,415
52$172,786,189$54,342,987$38,157,673$106,614,105
53$190,290,719$56,886,132$39,316,294$115,670,827
54$209,576,942$59,550,121$40,509,959$125,581,095
55$230,826,471$62,340,759$41,739,724$136,429,107
56$254,239,442$65,264,127$43,006,676$148,307,530
57$280,036,399$68,326,603$44,311,933$161,318,351
58$308,460,378$71,534,873$45,656,650$175,573,831
59$339,779,202$74,895,947$47,042,013$191,197,537
60$374,288,006$78,417,173$48,469,245$208,325,498
61$412,312,024$82,106,256$49,939,606$227,107,464
62$454,209,661$85,971,273$51,454,394$247,708,300
63$500,375,874$90,020,693$53,014,944$270,309,521
64$551,245,901$94,263,395$54,622,632$295,110,984
65$607,299,369$98,708,688$56,278,876$322,332,748
66$669,064,822$103,366,331$57,985,136$352,217,129
67$737,124,710$108,246,557$59,742,914$385,030,960
68$812,120,887$113,360,095$61,553,759$421,068,087
69$894,760,673$118,718,195$63,419,265$460,652,107
70$985,823,526$124,332,651$65,341,074$504,139,399
71$1,086,168,403$130,215,829$67,320,878$551,922,458
72$1,196,741,871$136,380,695$69,360,418$604,433,562
73$1,318,587,038$142,840,844$71,461,488$662,148,826
74$1,452,853,402$149,610,533$73,625,935$725,592,658
75$1,600,807,706$156,704,706$75,855,660$795,342,669
76$1,763,845,892$164,139,036$78,152,625$872,035,094
77$1,943,506,280$171,929,956$80,518,845$956,370,755
78$2,141,484,094$180,094,697$82,956,399$1,049,121,631
79$2,359,647,459$188,651,325$85,467,427$1,151,138,109
80$2,600,055,046$197,618,786$88,054,131$1,263,356,958
81$2,864,975,498$207,016,944$90,718,782$1,386,810,130
82$3,156,908,854$216,866,629$93,463,716$1,522,634,447
83$3,478,610,147$227,189,683$96,291,340$1,672,082,285
84$3,833,115,414$238,009,010$99,204,132$1,836,533,337
85$4,223,770,359$249,348,625$102,204,644$2,017,507,583
86$4,654,261,940$261,233,712$105,295,504$2,216,679,577
87$5,128,653,173$273,690,679$108,479,418$2,435,894,193
88$5,651,421,492$286,747,217$111,759,174$2,677,183,976
89$6,227,501,019$300,432,365$115,137,641$2,942,788,260
90$6,862,329,145$314,776,574$118,617,775$3,235,174,238
91$7,561,897,866$329,811,774$122,202,618$3,557,060,172
92$8,332,810,347$345,571,449$125,895,304$3,911,440,984
93$9,182,343,266$362,090,715$129,699,061$4,301,616,440
94$10,118,515,511$379,406,391$133,617,211$4,731,222,219
95$11,150,163,882$397,557,093$137,653,176$5,204,264,141
96$12,287,026,519$416,583,312$141,810,479$5,725,155,894
97$13,539,834,842$436,527,512$146,092,748$6,298,760,598
98$14,920,414,860$457,434,224$150,503,719$6,930,436,615
99$16,441,798,821$479,350,147$155,047,239$7,626,088,026
100$18,118,348,248$502,324,251$159,727,269$8,392,220,254