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%13.5%
1 years$1,610,292$1,595,948$1,581,954$1,568,295$1,554,957$1,532,353
2 years$797,174$782,328$767,939$753,988$740,456$717,730
3 years$526,170$511,260$496,907$483,087$469,776$447,634
4 years$390,695$375,830$361,621$348,037$335,048$313,662
5 years$309,431$294,655$280,633$267,326$254,698$234,130
6 years$255,273$240,608$226,793$213,783$201,534$181,807
7 years$216,603$202,062$188,466$175,763$163,901$145,023
8 years$187,615$173,205$159,834$147,443$135,972$117,939
9 years$165,080$150,806$137,665$125,589$114,508$97,312
10 years$147,062$132,928$120,020$108,259$97,566$81,195
11 years$132,330$118,338$105,663$94,217$83,910$68,346
12 years$120,063$106,214$93,774$82,641$72,715$57,940
13 years$109,690$95,986$83,780$72,960$63,409$49,403
14 years$100,807$87,249$75,277$64,766$55,584$42,325
15 years$93,116$79,703$67,965$57,760$48,940$36,404
16 years$86,392$73,126$61,620$51,717$43,254$31,417
17 years$80,466$67,347$56,072$46,468$38,352$27,189
18 years$75,204$62,231$51,187$41,877$34,101$23,586
19 years$70,501$57,675$46,859$37,839$30,395$20,503
20 years$66,274$53,595$43,005$34,271$27,149$17,854
21 years$62,455$49,921$39,556$31,103$24,295$15,570
22 years$58,987$46,600$36,457$28,280$21,777$13,597
23 years$55,826$43,584$33,662$25,755$19,549$11,886
24 years$52,932$40,835$31,131$23,490$17,571$10,402
25 years$50,274$38,322$28,834$21,452$15,811$9,110
26 years$47,824$36,016$26,742$19,615$14,242$7,984
27 years$45,560$33,896$24,832$17,954$12,840$7,003
28 years$43,461$31,940$23,085$16,450$11,586$6,145
29 years$41,511$30,131$21,482$15,085$10,462$5,395
30 years$39,694$28,456$20,010$13,844$9,453$4,739
31 years$37,997$26,900$18,655$12,715$8,546$4,164
32 years$36,410$25,453$17,405$11,685$7,731$3,660
33 years$34,922$24,105$16,251$10,745$6,996$3,218
34 years$33,524$22,846$15,184$9,887$6,334$2,830
35 years$32,209$21,669$14,196$9,101$5,737$2,489
36 years$30,971$20,567$13,280$8,382$5,198$2,190
37 years$29,801$19,534$12,430$7,723$4,711$1,927
38 years$28,696$18,564$11,640$7,118$4,271$1,696
39 years$27,651$17,653$10,906$6,564$3,873$1,493
40 years$26,660$16,795$10,222$6,054$3,513$1,314
41 years$25,719$15,987$9,585$5,585$3,187$1,157
42 years$24,826$15,226$8,991$5,155$2,892$1,019
43 years$23,977$14,507$8,437$4,758$2,625$897
44 years$23,169$13,828$7,919$4,394$2,383$790
45 years$22,399$13,186$7,436$4,058$2,163$696
46 years$21,664$12,579$6,984$3,748$1,964$613
47 years$20,963$12,005$6,561$3,463$1,783$540
48 years$20,293$11,460$6,166$3,200$1,619$475
49 years$19,652$10,944$5,796$2,957$1,471$419
50 years$19,039$10,454$5,449$2,733$1,336$369

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 $5,041 every year, while hoping to spend $49,506 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: 47/33/20 Blend
29$19,500,000$19,500,000$19,500,000$19,500,000
30$21,494,200$20,460,700$20,158,450$22,381,970
31$23,633,934$21,410,600$20,781,084$23,951,847
32$25,990,262$22,405,386$21,422,917$25,649,433
33$28,585,224$23,447,205$22,084,540$27,490,993
34$31,443,107$24,538,308$22,766,562$29,490,011
35$34,590,673$25,681,054$23,469,611$31,661,295
36$38,057,412$26,877,916$24,194,333$34,021,108
37$41,875,821$28,131,487$24,941,396$36,587,319
38$46,081,709$29,444,484$25,711,487$39,379,556
39$50,714,536$30,819,757$26,505,315$42,419,391
40$55,817,785$32,260,291$27,323,609$45,730,529
41$61,439,372$33,769,219$28,167,123$49,339,029
42$67,632,098$35,349,821$29,036,632$53,273,534
43$74,454,148$37,005,538$29,932,935$57,565,538
44$81,969,641$38,739,979$30,856,858$62,249,669
45$90,249,230$40,556,924$31,809,249$67,364,006
46$99,370,776$42,460,337$32,790,983$72,950,430
47$109,420,078$44,454,377$33,802,963$79,055,005
48$120,491,683$46,543,398$34,846,120$85,728,403
49$132,689,780$48,731,971$35,921,411$93,026,365
50$146,129,184$51,024,884$37,029,824$101,010,222
51$160,936,416$53,427,158$38,172,379$109,747,453
52$177,250,901$55,944,059$39,350,124$119,312,311
53$195,226,280$58,581,105$40,564,140$129,786,508
54$215,031,866$61,344,085$41,815,544$141,259,971
55$236,854,235$64,239,063$43,105,483$153,831,674
56$260,898,993$67,272,404$44,435,143$167,610,555
57$287,392,714$70,450,775$45,805,744$182,716,528
58$316,585,078$73,781,170$47,218,543$199,281,593
59$348,751,229$77,270,921$48,674,838$217,451,064
60$384,194,374$80,927,715$50,175,965$237,384,922
61$423,248,641$84,759,614$51,723,301$259,259,301
62$466,282,237$88,775,069$53,318,265$283,268,128
63$513,700,919$92,982,942$54,962,321$309,624,933
64$565,951,831$97,392,524$56,656,977$338,564,838
65$623,527,718$102,013,558$58,403,786$370,346,749
66$686,971,583$106,856,260$60,204,351$405,255,776
67$756,881,809$111,931,342$62,060,321$443,605,897
68$833,917,811$117,250,035$63,973,399$485,742,888
69$918,806,258$122,824,117$65,945,339$532,047,560
70$1,012,347,935$128,665,937$67,977,946$582,939,321
71$1,115,425,301$134,788,445$70,073,084$638,880,099
72$1,229,010,821$141,205,218$72,232,672$700,378,671
73$1,354,176,147$147,930,496$74,458,688$767,995,426
74$1,492,102,232$154,979,209$76,753,173$842,347,617
75$1,644,090,482$162,367,012$79,118,226$924,115,149
76$1,811,575,038$170,110,323$81,556,014$1,014,046,953
77$1,996,136,320$178,226,357$84,068,768$1,112,968,012
78$2,199,515,943$186,733,166$86,658,790$1,221,787,103
79$2,423,633,159$195,649,681$89,328,449$1,341,505,327
80$2,670,602,979$204,995,753$92,080,190$1,473,225,510
81$2,942,756,136$214,792,199$94,916,530$1,618,162,561
82$3,242,661,093$225,060,847$97,840,064$1,777,654,881
83$3,573,148,286$235,824,590$100,853,468$1,953,176,944
84$3,937,336,849$247,107,433$103,959,497$2,146,353,156
85$4,338,664,059$258,934,549$107,160,992$2,358,973,121
86$4,780,917,789$271,332,338$110,460,881$2,593,008,475
87$5,268,272,265$284,328,483$113,862,182$2,850,631,423
88$5,805,327,474$297,952,017$117,368,003$3,134,235,177
89$6,397,152,594$312,233,384$120,981,549$3,446,456,469
90$7,049,333,851$327,204,512$124,706,123$3,790,200,364
91$7,768,027,255$342,898,884$128,545,129$4,168,667,601
92$8,560,016,718$359,351,612$132,502,074$4,585,384,720
93$9,432,778,103$376,599,521$136,580,573$5,044,237,265
94$10,394,549,799$394,681,227$140,784,352$5,549,506,367
95$11,454,410,500$413,637,229$145,117,250$6,105,909,057
96$12,622,364,917$433,509,999$149,583,223$6,718,642,696
97$13,909,438,227$454,344,078$154,186,350$7,393,433,928
98$15,327,780,166$476,186,177$158,930,832$8,136,592,625
99$16,890,779,729$499,085,286$163,821,001$8,955,071,339
100$18,613,191,575$523,092,779$168,861,319$9,856,530,807