Can I retire at age 30 with 19,900,000?

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 $19,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$1,643,323$1,628,686$1,614,404$1,600,465$1,586,854$1,569,629
2 years$813,526$798,375$783,691$769,454$755,645$738,302
3 years$536,964$521,747$507,100$492,997$479,412$462,489
4 years$398,709$383,539$369,039$355,176$341,921$325,548
5 years$315,778$300,700$286,390$272,810$259,923$244,148
6 years$260,509$245,544$231,445$218,168$205,668$190,510
7 years$221,047$206,207$192,332$179,368$167,263$152,729
8 years$191,463$176,758$163,113$150,467$138,761$124,850
9 years$168,466$153,899$140,489$128,165$116,857$103,563
10 years$150,079$135,655$122,482$110,479$99,568$86,884
11 years$135,045$120,765$107,831$96,150$85,632$73,546
12 years$122,526$108,393$95,697$84,337$74,207$62,707
13 years$111,940$97,955$85,499$74,457$64,710$53,782
14 years$102,875$89,039$76,821$66,094$56,724$46,353
15 years$95,026$81,338$69,359$58,944$49,944$40,114
16 years$88,165$74,626$62,885$52,778$44,141$34,835
17 years$82,117$68,728$57,222$47,421$39,138$30,339
18 years$76,747$63,508$52,237$42,736$34,800$26,489
19 years$71,948$58,858$47,820$38,615$31,018$23,177
20 years$67,634$54,694$43,887$34,974$27,706$20,317
21 years$63,736$50,945$40,367$31,741$24,794$17,839
22 years$60,197$47,556$37,205$28,860$22,224$15,684
23 years$56,971$44,478$34,352$26,283$19,950$13,807
24 years$54,018$41,673$31,770$23,972$17,931$12,167
25 years$51,305$39,108$29,425$21,892$16,135$10,731
26 years$48,805$36,755$27,290$20,017$14,534$9,473
27 years$46,495$34,591$25,342$18,322$13,104$8,368
28 years$44,353$32,595$23,558$16,787$11,824$7,397
29 years$42,362$30,749$21,923$15,394$10,676$6,542
30 years$40,508$29,040$20,420$14,128$9,647$5,788
31 years$38,776$27,452$19,037$12,975$8,722$5,124
32 years$37,157$25,975$17,762$11,925$7,889$4,537
33 years$35,638$24,599$16,585$10,966$7,140$4,019
34 years$34,212$23,314$15,496$10,090$6,464$3,561
35 years$32,870$22,113$14,487$9,288$5,855$3,156
36 years$31,606$20,989$13,553$8,554$5,305$2,798
37 years$30,413$19,934$12,685$7,881$4,808$2,481
38 years$29,285$18,945$11,879$7,264$4,359$2,200
39 years$28,218$18,015$11,129$6,698$3,953$1,952
40 years$27,206$17,139$10,432$6,178$3,585$1,731
41 years$26,247$16,315$9,781$5,700$3,253$1,536
42 years$25,336$15,538$9,175$5,260$2,952$1,363
43 years$24,469$14,805$8,610$4,856$2,679$1,210
44 years$23,644$14,112$8,082$4,484$2,431$1,074
45 years$22,858$13,457$7,589$4,141$2,207$953
46 years$22,108$12,837$7,127$3,825$2,004$846
47 years$21,393$12,251$6,696$3,534$1,820$751
48 years$20,709$11,695$6,292$3,265$1,653$666
49 years$20,055$11,168$5,914$3,018$1,501$592
50 years$19,429$10,668$5,560$2,789$1,363$525

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $19,900,000, adding $4,820 every year, while hoping to spend $41,425 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: 51/36/13 Blend
29$19,900,000$19,900,000$19,900,000$19,900,000
30$21,934,772$20,880,072$20,571,622$22,976,463
31$24,128,043$21,859,119$21,216,695$24,669,152
32$26,543,639$22,884,752$21,881,990$26,503,573
33$29,204,194$23,959,209$22,568,141$28,496,910
34$32,134,648$25,084,836$23,275,800$30,664,153
35$35,362,484$26,264,096$24,005,642$33,021,768
36$38,917,989$27,499,567$24,758,361$35,587,844
37$42,834,533$28,793,956$25,534,676$38,382,254
38$47,148,892$30,150,097$26,335,325$41,426,839
39$51,901,592$31,570,963$27,161,070$44,745,598
40$57,137,287$33,059,673$28,012,699$48,364,912
41$62,905,187$34,619,495$28,891,022$52,313,781
42$69,259,521$36,253,854$29,796,875$56,624,089
43$76,260,043$37,966,344$30,731,122$61,330,893
44$83,972,604$39,760,732$31,694,651$66,472,743
45$92,469,769$41,640,967$32,688,381$72,092,038
46$101,831,501$43,611,190$33,713,258$78,235,410
47$112,145,920$45,675,744$34,770,257$84,954,154
48$123,510,128$47,839,180$35,860,385$92,304,699
49$136,031,133$50,106,272$36,984,680$100,349,128
50$149,826,855$52,482,025$38,144,213$109,155,747
51$165,027,237$54,971,687$39,340,087$118,799,719
52$181,775,477$57,580,761$40,573,442$129,363,754
53$200,229,374$60,315,017$41,845,450$140,938,875
54$220,562,821$63,180,505$43,157,325$153,625,262
55$242,967,447$66,183,568$44,510,313$167,533,178
56$267,654,423$69,330,858$45,905,704$182,783,988
57$294,856,455$72,629,351$47,344,826$199,511,294
58$324,829,984$76,086,360$48,829,049$217,862,165
59$357,857,607$79,709,556$50,359,786$237,998,512
60$394,250,737$83,506,979$51,938,494$260,098,591
61$434,352,555$87,487,063$53,566,676$284,358,660
62$478,541,237$91,658,651$55,245,881$310,994,812
63$527,233,534$96,031,016$56,977,709$340,244,985
64$580,888,699$100,613,880$58,763,807$372,371,182
65$640,012,828$105,417,442$60,605,876$407,661,919
66$705,163,632$110,452,392$62,505,668$446,434,914
67$776,955,708$115,729,944$64,464,993$489,040,061
68$856,066,335$121,261,856$66,485,715$535,862,694
69$943,241,871$127,060,458$68,569,757$587,327,199
70$1,039,304,801$133,138,679$70,719,103$643,900,975
71$1,145,161,496$139,510,080$72,935,798$706,098,819
72$1,261,810,774$146,188,878$75,221,952$774,487,739
73$1,390,353,325$153,189,987$77,579,741$849,692,270
74$1,532,002,110$160,529,041$80,011,408$932,400,325
75$1,688,093,802$168,222,441$82,519,267$1,023,369,647
76$1,860,101,413$176,287,383$85,105,705$1,123,434,912
77$2,049,648,193$184,741,902$87,773,182$1,233,515,562
78$2,258,522,964$193,604,910$90,524,239$1,354,624,433
79$2,488,696,996$202,896,240$93,361,491$1,487,877,261
80$2,742,342,628$212,636,694$96,287,639$1,634,503,162
81$3,021,853,768$222,848,084$99,305,466$1,795,856,172
82$3,329,868,498$233,553,286$102,417,845$1,973,427,971
83$3,669,293,978$244,776,291$105,627,737$2,168,861,900
84$4,043,333,893$256,542,258$108,938,195$2,383,968,405
85$4,455,518,695$268,877,573$112,352,369$2,620,742,058
86$4,909,738,935$281,809,908$115,873,508$2,881,380,316
87$5,410,281,997$295,368,284$119,504,960$3,168,304,182
88$5,961,872,566$309,583,135$123,250,182$3,484,180,983
89$6,569,717,240$324,486,381$127,112,735$3,831,949,464
90$7,239,553,681$340,111,497$131,096,295$4,214,847,441
91$7,977,704,786$356,493,589$135,204,650$4,636,442,277
92$8,791,138,378$373,669,478$139,441,709$5,100,664,458
93$9,687,532,988$391,677,778$143,811,502$5,611,844,596
94$10,675,350,351$410,558,988$148,318,185$6,174,754,209
95$11,763,915,289$430,355,580$152,966,046$6,794,650,649
96$12,963,503,745$451,112,100$157,759,506$7,477,326,618
97$14,285,439,800$472,875,267$162,703,122$8,229,164,733
98$15,742,202,581$495,694,076$167,801,598$9,057,197,648
99$17,347,544,075$519,619,917$173,059,783$9,969,174,314
100$19,116,618,962$544,706,684$178,482,677$10,973,632,988