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%16.2%
1 years$1,577,260$1,563,211$1,549,504$1,536,125$1,523,061$1,484,434
2 years$780,822$766,280$752,186$738,521$725,267$686,602
3 years$515,377$500,772$486,714$473,178$460,139$422,646
4 years$382,681$368,121$354,203$340,898$328,175$292,141
5 years$303,084$288,611$274,876$261,842$249,474$214,999
6 years$250,036$235,673$222,141$209,397$197,400$164,519
7 years$212,160$197,918$184,600$172,157$160,539$129,254
8 years$183,766$169,652$156,556$144,418$133,183$103,480
9 years$161,694$147,712$134,841$123,012$112,159$84,013
10 years$144,046$130,201$117,558$106,038$95,565$68,943
11 years$129,616$115,911$103,496$92,285$82,189$57,051
12 years$117,600$104,035$91,850$80,946$71,223$47,525
13 years$107,440$94,017$82,062$71,463$62,108$39,803
14 years$98,740$85,459$73,733$63,437$54,444$33,481
15 years$91,206$78,068$66,571$56,575$47,936$28,265
16 years$84,620$71,626$60,356$50,657$42,366$23,932
17 years$78,815$65,965$54,922$45,515$37,565$20,314
18 years$73,661$60,955$50,137$41,018$33,401$17,278
19 years$69,055$56,492$45,898$37,063$29,771$14,722
20 years$64,915$52,495$42,123$33,568$26,592$12,562
21 years$61,174$48,897$38,745$30,465$23,797$10,733
22 years$57,777$45,644$35,709$27,700$21,331$9,179
23 years$54,681$42,690$32,971$25,226$19,148$7,858
24 years$51,846$39,998$30,493$23,008$17,210$6,732
25 years$49,243$37,536$28,242$21,012$15,487$5,771
26 years$46,843$35,278$26,193$19,213$13,950$4,950
27 years$44,626$33,200$24,323$17,586$12,577$4,247
28 years$42,570$31,284$22,611$16,112$11,348$3,646
29 years$40,659$29,513$21,042$14,775$10,247$3,131
30 years$38,879$27,872$19,600$13,560$9,259$2,690
31 years$37,218$26,348$18,272$12,454$8,371$2,311
32 years$35,663$24,931$17,048$11,445$7,572$1,986
33 years$34,205$23,610$15,918$10,525$6,853$1,707
34 years$32,836$22,377$14,873$9,684$6,205$1,468
35 years$31,549$21,224$13,905$8,915$5,620$1,262
36 years$30,335$20,145$13,008$8,210$5,092$1,085
37 years$29,190$19,133$12,175$7,564$4,615$934
38 years$28,108$18,183$11,401$6,972$4,184$803
39 years$27,083$17,290$10,682$6,429$3,794$691
40 years$26,113$16,450$10,012$5,930$3,441$594
41 years$25,192$15,659$9,388$5,471$3,122$511
42 years$24,317$14,913$8,806$5,049$2,833$440
43 years$23,485$14,209$8,264$4,661$2,571$378
44 years$22,694$13,545$7,757$4,303$2,334$326
45 years$21,939$12,916$7,283$3,974$2,119$280
46 years$21,220$12,321$6,841$3,671$1,924$241
47 years$20,533$11,758$6,427$3,392$1,747$207
48 years$19,876$11,225$6,039$3,134$1,586$178
49 years$19,249$10,719$5,677$2,896$1,441$154
50 years$18,648$10,239$5,337$2,677$1,309$132

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 $3,275 every year, while hoping to spend $35,872 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: 72/6/22 Blend
29$19,100,000$19,100,000$19,100,000$19,100,000
30$21,051,578$20,039,278$19,743,228$22,453,171
31$23,160,672$20,983,035$20,366,459$24,331,194
32$25,483,690$21,971,834$21,009,365$26,382,883
33$28,042,417$23,007,844$21,672,569$28,629,182
34$30,860,854$24,093,339$22,356,711$31,089,424
35$33,965,453$25,230,704$23,062,452$33,784,898
36$37,385,359$26,422,439$23,790,475$36,739,040
37$41,152,692$27,671,165$24,541,482$39,977,662
38$45,302,845$28,979,630$25,316,200$43,529,183
39$49,874,819$30,350,716$26,115,377$47,424,900
40$54,911,594$31,787,445$26,939,785$51,699,282
41$60,460,531$33,292,984$27,790,222$56,390,286
42$66,573,820$34,870,655$28,667,509$61,539,718
43$73,308,973$36,523,940$29,572,494$67,193,624
44$80,729,367$38,256,493$30,506,052$73,402,718
45$88,904,843$40,072,141$31,469,085$80,222,859
46$97,912,361$41,974,899$32,462,523$87,715,577
47$107,836,731$43,968,979$33,487,327$95,948,647
48$118,771,412$46,058,794$34,544,487$104,996,725
49$130,819,394$48,248,972$35,635,025$114,942,052
50$144,094,169$50,544,369$36,759,995$125,875,222
51$158,720,803$52,950,072$37,920,485$137,896,036
52$174,837,119$55,471,419$39,117,615$151,114,438
53$192,594,993$58,114,007$40,352,543$165,651,549
54$212,161,791$60,883,702$41,626,462$181,640,804
55$233,721,950$63,786,659$42,940,604$199,229,210
56$257,478,713$66,829,330$44,296,239$218,578,725
57$283,656,056$70,018,482$45,694,677$239,867,783
58$312,500,795$73,361,209$47,137,270$263,292,972
59$344,284,920$76,864,952$48,625,412$289,070,885
60$379,308,161$80,537,513$50,160,542$317,440,158
61$417,900,816$84,387,074$51,744,144$348,663,717
62$460,426,874$88,422,216$53,377,747$383,031,252
63$507,287,446$92,651,935$55,062,932$420,861,946
64$558,924,552$97,085,666$56,801,327$462,507,482
65$615,825,297$101,733,305$58,594,613$508,355,351
66$678,526,468$106,605,227$60,444,522$558,832,509
67$747,619,598$111,712,313$62,352,844$614,409,395
68$823,756,555$117,065,974$64,321,422$675,604,365
69$907,655,694$122,678,178$66,352,160$742,988,576
70$1,000,108,638$128,561,472$68,447,021$817,191,371
71$1,101,987,753$134,729,018$70,608,030$898,906,207
72$1,214,254,380$141,194,616$72,837,276$988,897,196
73$1,337,967,916$147,972,741$75,136,913$1,088,006,307
74$1,474,295,809$155,078,571$77,509,166$1,197,161,301
75$1,624,524,585$162,528,025$79,956,326$1,317,384,483
76$1,790,071,990$170,337,796$82,480,761$1,449,802,338
77$1,972,500,377$178,525,391$85,084,910$1,595,656,156
78$2,173,531,451$187,109,171$87,771,290$1,756,313,736
79$2,395,062,531$196,108,392$90,542,500$1,933,282,289
80$2,639,184,453$205,543,247$93,401,217$2,128,222,650
81$2,908,201,315$215,434,915$96,350,207$2,342,964,943
82$3,204,652,229$225,805,605$99,392,318$2,579,525,847
83$3,531,335,290$236,678,613$102,530,494$2,840,127,618
84$3,891,333,991$248,078,367$105,767,767$3,127,219,052
85$4,288,046,338$260,030,487$109,107,268$3,443,498,587
86$4,725,216,928$272,561,844$112,552,225$3,791,939,760
87$5,206,972,299$285,700,619$116,105,968$4,175,819,265
88$5,737,859,890$299,476,365$119,771,935$4,598,747,863
89$6,322,890,972$313,920,081$123,553,668$5,064,704,455
90$6,967,587,960$329,064,273$127,454,824$5,578,073,623
91$7,678,036,546$344,943,038$131,479,176$6,143,687,003
92$8,460,943,160$361,592,132$135,630,614$6,766,868,880
93$9,323,698,274$379,049,059$139,913,151$7,453,486,426
94$10,274,446,186$397,353,150$144,330,930$8,210,005,068
95$11,322,161,902$416,545,659$148,888,221$9,043,549,503
96$12,476,735,870$436,669,851$153,589,430$9,961,970,936
97$13,749,067,357$457,771,102$158,439,104$10,973,921,170
98$15,151,167,344$479,897,003$163,441,932$12,088,934,261
99$16,696,271,927$503,097,470$168,602,750$13,317,516,498
100$18,398,967,271$527,424,853$173,926,549$14,671,245,559