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

Use the below retirement simulation to view the chances of a successful retirement.
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%14.9%
1 years$1,643,323$1,628,686$1,614,404$1,600,465$1,586,854$1,554,814
2 years$813,526$798,375$783,691$769,454$755,645$723,506
3 years$536,964$521,747$507,100$492,997$479,412$448,177
4 years$398,709$383,539$369,039$355,176$341,921$311,829
5 years$315,778$300,700$286,390$272,810$259,923$231,060
6 years$260,509$245,544$231,445$218,168$205,668$178,066
7 years$221,047$206,207$192,332$179,368$167,263$140,928
8 years$191,463$176,758$163,113$150,467$138,761$113,685
9 years$168,466$153,899$140,489$128,165$116,857$93,023
10 years$150,079$135,655$122,482$110,479$99,568$76,953
11 years$135,045$120,765$107,831$96,150$85,632$64,208
12 years$122,526$108,393$95,697$84,337$74,207$53,943
13 years$111,940$97,955$85,499$74,457$64,710$45,572
14 years$102,875$89,039$76,821$66,094$56,724$38,675
15 years$95,026$81,338$69,359$58,944$49,944$32,947
16 years$88,165$74,626$62,885$52,778$44,141$28,155
17 years$82,117$68,728$57,222$47,421$39,138$24,124
18 years$76,747$63,508$52,237$42,736$34,800$20,716
19 years$71,948$58,858$47,820$38,615$31,018$17,823
20 years$67,634$54,694$43,887$34,974$27,706$15,358
21 years$63,736$50,945$40,367$31,741$24,794$13,253
22 years$60,197$47,556$37,205$28,860$22,224$11,449
23 years$56,971$44,478$34,352$26,283$19,950$9,901
24 years$54,018$41,673$31,770$23,972$17,931$8,570
25 years$51,305$39,108$29,425$21,892$16,135$7,423
26 years$48,805$36,755$27,290$20,017$14,534$6,433
27 years$46,495$34,591$25,342$18,322$13,104$5,579
28 years$44,353$32,595$23,558$16,787$11,824$4,840
29 years$42,362$30,749$21,923$15,394$10,676$4,201
30 years$40,508$29,040$20,420$14,128$9,647$3,648
31 years$38,776$27,452$19,037$12,975$8,722$3,168
32 years$37,157$25,975$17,762$11,925$7,889$2,753
33 years$35,638$24,599$16,585$10,966$7,140$2,392
34 years$34,212$23,314$15,496$10,090$6,464$2,079
35 years$32,870$22,113$14,487$9,288$5,855$1,807
36 years$31,606$20,989$13,553$8,554$5,305$1,571
37 years$30,413$19,934$12,685$7,881$4,808$1,366
38 years$29,285$18,945$11,879$7,264$4,359$1,188
39 years$28,218$18,015$11,129$6,698$3,953$1,034
40 years$27,206$17,139$10,432$6,178$3,585$899
41 years$26,247$16,315$9,781$5,700$3,253$782
42 years$25,336$15,538$9,175$5,260$2,952$680
43 years$24,469$14,805$8,610$4,856$2,679$592
44 years$23,644$14,112$8,082$4,484$2,431$515
45 years$22,858$13,457$7,589$4,141$2,207$448
46 years$22,108$12,837$7,127$3,825$2,004$390
47 years$21,393$12,251$6,696$3,534$1,820$339
48 years$20,709$11,695$6,292$3,265$1,653$295
49 years$20,055$11,168$5,914$3,018$1,501$257
50 years$19,429$10,668$5,560$2,789$1,363$224

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 $3,121 every year, while hoping to spend $28,632 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: 62/27/11 Blend
29$19,900,000$19,900,000$19,900,000$19,900,000
30$21,933,019$20,878,319$20,569,869$23,237,110
31$24,139,723$21,870,893$21,228,496$25,103,521
32$26,570,551$22,911,143$21,908,226$27,136,342
33$29,248,333$24,001,375$22,609,738$29,354,527
34$32,198,229$25,144,008$23,333,730$31,776,030
35$35,447,960$26,341,576$24,080,922$34,420,593
36$39,028,078$27,596,739$24,852,058$37,309,926
37$42,972,247$28,912,284$25,647,908$40,467,908
38$47,317,565$30,291,135$26,469,262$43,920,803
39$52,104,914$31,736,358$27,316,939$47,697,506
40$57,379,342$33,251,167$28,191,783$51,829,801
41$63,190,493$34,838,932$29,094,667$56,352,660
42$69,593,074$36,503,190$30,026,488$61,304,566
43$76,647,367$38,247,646$30,988,175$66,727,862
44$84,419,807$40,076,189$31,980,687$72,669,146
45$92,983,599$41,992,894$33,005,012$79,179,706
46$102,419,416$44,002,036$34,062,170$86,315,984
47$112,816,159$46,108,098$35,153,215$94,140,113
48$124,271,793$48,315,781$36,279,234$102,720,480
49$136,894,276$50,630,014$37,441,348$112,132,371
50$150,802,575$53,055,968$38,640,716$122,458,665
51$166,127,791$55,599,064$39,878,534$133,790,606
52$183,014,395$58,264,987$41,156,034$146,228,654
53$201,621,591$61,059,699$42,474,489$159,883,418
54$222,124,824$63,989,454$43,835,214$174,876,687
55$244,717,427$67,060,809$45,239,565$191,342,568
56$269,612,456$70,280,640$46,688,942$209,428,734
57$297,044,694$73,656,159$48,184,789$229,297,808
58$327,272,871$77,194,929$49,728,598$251,128,873
59$360,582,105$80,904,882$51,321,907$275,119,158
60$397,286,595$84,794,336$52,966,306$301,485,869
61$437,732,583$88,872,014$54,663,433$330,468,234
62$482,301,629$93,147,065$56,414,980$362,329,731
63$531,414,207$97,629,083$58,222,694$397,360,563
64$585,533,680$102,328,132$60,088,378$435,880,371
65$645,170,668$107,254,764$62,013,892$478,241,233
66$710,887,875$112,420,046$64,001,156$524,830,963
67$783,305,396$117,835,585$66,052,152$576,076,748
68$863,106,573$123,513,555$68,168,925$632,449,156
69$951,044,446$129,466,723$70,353,588$694,466,550
70$1,047,948,865$135,708,477$72,608,318$762,699,956
71$1,154,734,317$142,252,861$74,935,365$837,778,422
72$1,272,408,568$149,114,601$77,337,050$920,394,930
73$1,402,082,169$156,309,145$79,815,769$1,011,312,899
74$1,544,978,948$163,852,690$82,373,994$1,111,373,368
75$1,702,447,557$171,762,228$85,014,279$1,221,502,891
76$1,875,974,207$180,055,577$87,739,257$1,342,722,255
77$2,067,196,702$188,751,426$90,551,648$1,476,156,075
78$2,277,919,894$197,869,374$93,454,257$1,623,043,369
79$2,510,132,730$207,429,980$96,449,981$1,784,749,216
80$2,766,027,023$217,454,803$99,541,809$1,962,777,599
81$3,048,018,147$227,966,456$102,732,828$2,158,785,552
82$3,358,767,841$238,988,656$106,026,221$2,374,598,763
83$3,701,209,337$250,546,277$109,425,276$2,612,228,752
84$4,078,575,052$262,665,407$112,933,385$2,873,891,809
85$4,494,427,104$275,373,409$116,554,050$3,162,029,866
86$4,952,690,944$288,698,981$120,290,886$3,479,333,486
87$5,457,692,412$302,672,222$124,147,622$3,828,767,207
88$6,014,198,580$317,324,703$128,128,109$4,213,597,462
89$6,627,462,755$332,689,534$132,236,321$4,637,423,351
90$7,303,274,078$348,801,443$136,476,360$5,104,210,549
91$8,048,012,175$365,696,854$140,852,459$5,618,328,669
92$8,868,707,388$383,413,971$145,368,988$6,184,592,442
93$9,773,107,149$401,992,863$150,030,456$6,808,307,083
94$10,769,749,121$421,475,556$154,841,519$7,495,318,299
95$11,868,041,803$441,906,130$159,806,982$8,252,067,384
96$13,078,353,354$463,330,818$164,931,803$9,085,651,938
97$14,412,109,479$485,798,111$170,221,101$10,003,892,776
98$15,881,901,298$509,358,870$175,680,160$11,015,407,660
99$17,501,604,216$534,066,441$181,314,431$12,129,692,554
100$19,286,508,925$559,976,775$187,129,543$13,357,211,156