Can I retire at age 30 with 19,500,000?

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 $19,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$1,610,292$1,595,948$1,581,954$1,568,295$1,554,957$1,543,218
2 years$797,174$782,328$767,939$753,988$740,456$728,620
3 years$526,170$511,260$496,907$483,087$469,776$458,211
4 years$390,695$375,830$361,621$348,037$335,048$323,842
5 years$309,431$294,655$280,633$267,326$254,698$243,885
6 years$255,273$240,608$226,793$213,783$201,534$191,127
7 years$216,603$202,062$188,466$175,763$163,901$153,905
8 years$187,615$173,205$159,834$147,443$135,972$126,387
9 years$165,080$150,806$137,665$125,589$114,508$105,331
10 years$147,062$132,928$120,020$108,259$97,566$88,793
11 years$132,330$118,338$105,663$94,217$83,910$75,534
12 years$120,063$106,214$93,774$82,641$72,715$64,728
13 years$109,690$95,986$83,780$72,960$63,409$55,803
14 years$100,807$87,249$75,277$64,766$55,584$48,349
15 years$93,116$79,703$67,965$57,760$48,940$42,067
16 years$86,392$73,126$61,620$51,717$43,254$36,732
17 years$80,466$67,347$56,072$46,468$38,352$32,170
18 years$75,204$62,231$51,187$41,877$34,101$28,248
19 years$70,501$57,675$46,859$37,839$30,395$24,859
20 years$66,274$53,595$43,005$34,271$27,149$21,920
21 years$62,455$49,921$39,556$31,103$24,295$19,360
22 years$58,987$46,600$36,457$28,280$21,777$17,125
23 years$55,826$43,584$33,662$25,755$19,549$15,167
24 years$52,932$40,835$31,131$23,490$17,571$13,448
25 years$50,274$38,322$28,834$21,452$15,811$11,935
26 years$47,824$36,016$26,742$19,615$14,242$10,602
27 years$45,560$33,896$24,832$17,954$12,840$9,425
28 years$43,461$31,940$23,085$16,450$11,586$8,385
29 years$41,511$30,131$21,482$15,085$10,462$7,463
30 years$39,694$28,456$20,010$13,844$9,453$6,647
31 years$37,997$26,900$18,655$12,715$8,546$5,923
32 years$36,410$25,453$17,405$11,685$7,731$5,279
33 years$34,922$24,105$16,251$10,745$6,996$4,708
34 years$33,524$22,846$15,184$9,887$6,334$4,199
35 years$32,209$21,669$14,196$9,101$5,737$3,747
36 years$30,971$20,567$13,280$8,382$5,198$3,344
37 years$29,801$19,534$12,430$7,723$4,711$2,986
38 years$28,696$18,564$11,640$7,118$4,271$2,666
39 years$27,651$17,653$10,906$6,564$3,873$2,381
40 years$26,660$16,795$10,222$6,054$3,513$2,127
41 years$25,719$15,987$9,585$5,585$3,187$1,900
42 years$24,826$15,226$8,991$5,155$2,892$1,697
43 years$23,977$14,507$8,437$4,758$2,625$1,517
44 years$23,169$13,828$7,919$4,394$2,383$1,355
45 years$22,399$13,186$7,436$4,058$2,163$1,211
46 years$21,664$12,579$6,984$3,748$1,964$1,083
47 years$20,963$12,005$6,561$3,463$1,783$968
48 years$20,293$11,460$6,166$3,200$1,619$865
49 years$19,652$10,944$5,796$2,957$1,471$774
50 years$19,039$10,454$5,449$2,733$1,336$692

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $19,500,000, adding $6,518 every year, while hoping to spend $56,783 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: 48/33/19 Blend
29$19,500,000$19,500,000$19,500,000$19,500,000
30$21,495,723$20,462,223$20,159,973$22,412,018
31$23,627,870$21,404,456$20,774,916$23,991,565
32$25,975,593$22,390,954$21,408,556$25,699,473
33$28,560,821$23,423,828$22,061,459$27,552,853
34$31,407,717$24,505,288$22,734,210$29,565,365
35$34,542,908$25,637,650$23,427,410$31,752,015
36$37,995,733$26,823,344$24,141,677$34,129,285
37$41,798,525$28,064,915$24,877,650$36,715,282
38$45,986,909$29,365,030$25,635,986$39,529,905
39$50,600,143$30,726,486$26,417,361$42,595,020
40$55,681,488$32,152,215$27,222,473$45,934,664
41$61,278,615$33,645,288$28,052,041$49,575,255
42$67,444,053$35,208,927$28,906,804$53,545,841
43$74,235,690$36,846,507$29,787,525$57,878,360
44$81,717,312$38,561,568$30,694,989$62,607,933
45$89,959,211$40,357,818$31,630,004$67,773,184
46$99,038,846$42,239,146$32,593,405$73,416,595
47$109,041,573$44,209,630$33,586,049$79,584,897
48$120,061,453$46,273,541$34,608,821$86,329,497
49$132,202,136$48,435,359$35,662,631$93,706,951
50$145,577,843$50,699,780$36,748,418$101,779,488
51$160,314,441$53,071,728$37,867,148$110,615,581
52$176,550,633$55,556,362$39,019,817$120,290,580
53$194,439,267$58,159,093$40,207,450$130,887,410
54$214,148,776$60,885,592$41,431,104$142,497,336
55$235,864,771$63,741,807$42,691,866$155,220,812
56$259,791,792$66,733,969$43,990,857$169,168,408
57$286,155,236$69,868,615$45,329,233$184,461,842
58$315,203,489$73,152,596$46,708,181$201,235,103
59$347,210,268$76,593,096$48,128,927$219,635,706
60$382,477,202$80,197,645$49,592,733$239,826,054
61$421,336,685$83,974,138$51,100,899$261,984,961
62$464,155,011$87,930,854$52,654,762$286,309,308
63$511,335,827$92,076,472$54,255,702$313,015,886
64$563,323,953$96,420,090$55,905,140$342,343,414
65$620,609,572$100,971,250$57,604,537$374,554,771
66$683,732,861$105,739,954$59,355,402$409,939,447
67$753,289,090$110,736,689$61,159,286$448,816,252
68$829,934,242$115,972,452$63,017,787$491,536,296
69$914,391,205$121,458,772$64,932,552$538,486,272
70$1,007,456,593$127,207,737$66,905,278$590,092,075
71$1,110,008,271$133,232,022$68,937,711$646,822,792
72$1,223,013,641$139,544,916$71,031,650$709,195,094
73$1,347,538,770$146,160,356$73,188,948$777,778,077
74$1,484,758,462$153,092,950$75,411,515$853,198,596
75$1,635,967,340$160,358,020$77,701,316$936,147,147
76$1,802,592,075$167,971,629$80,060,376$1,027,384,339
77$1,986,204,849$175,950,621$82,490,781$1,127,748,035
78$2,188,538,200$184,312,658$84,994,678$1,238,161,215
79$2,411,501,377$193,076,258$87,574,281$1,359,640,641
80$2,657,198,364$202,260,842$90,231,866$1,493,306,407
81$2,927,947,746$211,886,772$92,969,782$1,640,392,460
82$3,226,304,592$221,975,400$95,790,446$1,802,258,199
83$3,555,084,580$232,549,115$98,696,346$1,980,401,243
84$3,917,390,581$243,631,395$101,690,047$2,176,471,519
85$4,316,641,946$255,246,859$104,774,189$2,392,286,768
86$4,756,606,792$267,421,322$107,951,492$2,629,849,644
87$5,241,437,574$280,181,857$111,224,757$2,891,366,553
88$5,775,710,288$293,556,849$114,596,868$3,179,268,406
89$6,364,467,671$307,576,068$118,070,796$3,496,233,499
90$7,013,266,807$322,270,729$121,649,601$3,845,212,715
91$7,728,231,593$337,673,567$125,336,435$4,229,457,302
92$8,516,110,552$353,818,908$129,134,542$4,652,549,479
93$9,384,340,544$370,742,750$133,047,264$5,118,436,166
94$10,341,116,976$388,482,841$137,078,045$5,631,466,150
95$11,395,471,176$407,078,769$141,230,427$6,196,431,042
96$12,557,355,653$426,572,046$145,508,064$6,818,610,411
97$13,837,738,059$447,006,205$149,914,713$7,503,821,515
98$15,248,704,732$468,426,900$154,454,247$8,258,474,107
99$16,803,574,804$490,882,007$159,130,653$9,089,630,834
100$18,517,025,941$514,421,733$163,948,037$10,005,073,782