Can I retire at age 30 with 20,000,000?

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 $20,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$1,651,581$1,636,870$1,622,517$1,608,508$1,594,828$1,587,440
2 years$817,615$802,387$787,630$773,321$759,442$751,985
3 years$539,662$524,369$509,648$495,474$481,821$474,526
4 years$400,713$385,467$370,894$356,961$343,639$336,561
5 years$317,365$302,211$287,829$274,180$261,229$254,389
6 years$261,818$246,778$232,608$219,264$206,701$200,109
7 years$222,157$207,243$193,299$180,269$168,104$161,762
8 years$192,425$177,646$163,933$151,223$139,458$133,368
9 years$169,313$154,673$141,195$128,809$117,444$111,604
10 years$150,833$136,336$123,097$111,034$100,068$94,475
11 years$135,724$121,372$108,373$96,633$86,062$80,712
12 years$123,141$108,937$96,178$84,760$74,579$69,469
13 years$112,503$98,447$85,929$74,831$65,035$60,159
14 years$103,392$89,486$77,207$66,426$57,009$52,362
15 years$95,503$81,747$69,708$59,241$50,195$45,772
16 years$88,608$75,001$63,201$53,044$44,363$40,157
17 years$82,529$69,073$57,510$47,659$39,335$35,340
18 years$77,132$63,827$52,499$42,951$34,975$31,184
19 years$72,309$59,154$48,060$38,809$31,174$27,581
20 years$67,974$54,969$44,107$35,149$27,845$24,443
21 years$64,056$51,201$40,570$31,900$24,918$21,700
22 years$60,500$47,795$37,392$29,005$22,336$19,295
23 years$57,257$44,701$34,525$26,415$20,050$17,179
24 years$54,289$41,882$31,930$24,092$18,021$15,314
25 years$51,563$39,304$29,573$22,002$16,216$13,665
26 years$49,051$36,940$27,428$20,118$14,607$12,205
27 years$46,728$34,765$25,469$18,414$13,170$10,910
28 years$44,576$32,759$23,677$16,871$11,883$9,760
29 years$42,575$30,904$22,033$15,471$10,730$8,736
30 years$40,711$29,186$20,523$14,199$9,695$7,825
31 years$38,971$27,590$19,133$13,041$8,766$7,012
32 years$37,343$26,106$17,851$11,985$7,929$6,286
33 years$35,817$24,723$16,668$11,021$7,176$5,638
34 years$34,384$23,431$15,574$10,140$6,497$5,059
35 years$33,035$22,224$14,560$9,335$5,884$4,540
36 years$31,765$21,094$13,621$8,597$5,332$4,076
37 years$30,565$20,035$12,749$7,921$4,832$3,660
38 years$29,432$19,040$11,939$7,301$4,381$3,288
39 years$28,360$18,105$11,185$6,732$3,973$2,954
40 years$27,343$17,226$10,484$6,209$3,603$2,654
41 years$26,379$16,397$9,831$5,729$3,269$2,386
42 years$25,463$15,616$9,221$5,287$2,966$2,144
43 years$24,592$14,879$8,653$4,880$2,692$1,928
44 years$23,763$14,183$8,122$4,506$2,444$1,733
45 years$22,973$13,525$7,627$4,162$2,218$1,559
46 years$22,219$12,902$7,163$3,844$2,014$1,402
47 years$21,500$12,312$6,730$3,552$1,829$1,261
48 years$20,813$11,754$6,324$3,282$1,661$1,134
49 years$20,156$11,224$5,944$3,033$1,509$1,020
50 years$19,527$10,722$5,588$2,803$1,370$917

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $20,000,000, adding $2,881 every year, while hoping to spend $56,076 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: 53/32/15 Blend
29$20,000,000$20,000,000$20,000,000$20,000,000
30$22,042,972$20,982,972$20,672,972$23,122,587
31$24,231,690$21,951,473$21,305,852$24,828,832
32$26,641,779$22,965,551$21,958,054$26,678,122
33$29,295,758$24,027,381$22,630,166$28,688,979
34$32,218,443$25,139,240$23,322,795$30,876,756
35$35,437,179$26,303,518$24,036,564$33,258,322
36$38,982,099$27,522,718$24,772,116$35,852,217
37$42,886,406$28,799,464$25,530,114$38,678,818
38$47,186,688$30,136,507$26,311,242$41,760,523
39$51,923,264$31,536,729$27,116,203$45,121,957
40$57,140,563$33,003,154$27,945,721$48,790,198
41$62,887,541$34,538,949$28,800,543$52,795,018
42$69,218,147$36,147,436$29,681,439$57,169,162
43$76,191,833$37,832,094$30,589,201$61,948,642
44$83,874,107$39,596,574$31,524,647$67,173,073
45$92,337,161$41,444,701$32,488,617$72,886,033
46$101,660,544$43,380,485$33,481,979$79,135,466
47$111,931,921$45,408,129$34,505,626$85,974,120
48$123,247,890$47,532,041$35,560,478$93,460,039
49$135,714,904$49,756,840$36,647,484$101,657,095
50$149,450,270$52,087,371$37,767,619$110,635,580
51$164,583,254$54,528,709$38,921,892$120,472,853
52$181,256,308$57,086,178$40,111,337$131,254,063
53$199,626,409$59,765,358$41,337,025$143,072,933
54$219,866,542$62,572,099$42,600,054$156,032,632
55$242,167,333$65,512,536$43,901,559$170,246,730
56$266,738,848$68,593,098$45,242,709$185,840,260
57$293,812,577$71,820,526$46,624,706$202,950,874
58$323,643,617$75,201,889$48,048,791$221,730,130
59$356,513,081$78,744,596$49,516,240$242,344,902
60$392,730,751$82,456,417$51,028,370$264,978,931
61$432,638,004$86,345,498$52,586,537$289,834,548
62$476,611,031$90,420,378$54,192,137$317,134,554
63$525,064,391$94,690,012$55,846,608$347,124,307
64$578,454,924$99,163,787$57,551,435$380,074,008
65$637,286,061$103,851,547$59,308,142$416,281,234
66$702,112,579$108,763,613$61,118,305$456,073,716
67$773,545,837$113,910,805$62,983,543$499,812,409
68$852,259,547$119,304,470$64,905,527$547,894,868
69$938,996,135$124,956,503$66,885,976$600,758,976
70$1,034,573,748$130,879,378$68,926,663$658,887,041
71$1,139,893,977$137,086,174$71,029,413$722,810,321
72$1,255,950,371$143,590,606$73,196,107$793,114,004
73$1,383,837,815$150,407,051$75,428,682$870,442,695
74$1,524,762,864$157,550,588$77,729,135$955,506,466
75$1,680,055,135$165,037,027$80,099,521$1,049,087,520
76$1,851,179,862$172,882,944$82,541,958$1,152,047,535
77$2,039,751,723$181,105,723$85,058,628$1,265,335,753
78$2,247,550,087$189,723,592$87,651,780$1,389,997,899
79$2,476,535,810$198,755,661$90,323,729$1,527,186,008
80$2,728,869,748$208,221,975$93,076,859$1,678,169,247
81$3,006,933,158$218,143,547$95,913,629$1,844,345,848
82$3,313,350,174$228,542,414$98,836,570$2,027,256,254
83$3,651,012,585$239,441,687$101,848,289$2,228,597,605
84$4,023,107,135$250,865,595$104,951,472$2,450,239,701
85$4,433,145,603$262,839,550$108,148,887$2,694,242,592
86$4,884,997,964$275,390,197$111,443,384$2,962,875,962
87$5,382,928,918$288,545,478$114,837,899$3,258,640,489
88$5,931,638,156$302,334,695$118,335,457$3,584,291,377
89$6,536,304,726$316,788,574$121,939,174$3,942,864,302
90$7,202,635,931$331,939,336$125,652,258$4,337,703,983
91$7,936,921,204$347,820,772$129,478,017$4,772,495,684
92$8,746,091,491$364,468,314$133,419,856$5,251,299,916
93$9,637,784,685$381,919,123$137,481,282$5,778,590,684
94$10,620,417,727$400,212,165$141,665,910$6,359,297,631
95$11,703,266,079$419,388,304$145,977,461$6,998,852,475
96$12,896,551,284$439,490,396$150,419,771$7,703,240,194
97$14,211,537,469$460,563,380$154,996,787$8,479,055,411
98$15,660,637,691$482,654,385$159,712,580$9,333,564,549
99$17,257,531,122$505,812,837$164,571,338$10,274,774,308
100$19,017,292,198$530,090,567$169,577,379$11,311,507,129