Can I retire at age 30 with 9,000,000?

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 $9,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$743,212$736,591$730,133$723,828$717,673$694,978
2 years$367,927$361,074$354,433$347,994$341,749$319,090
3 years$242,848$235,966$229,342$222,963$216,820$194,907
4 years$180,321$173,460$166,902$160,633$154,638$133,640
5 years$142,814$135,995$129,523$123,381$117,553$97,526
6 years$117,818$111,050$104,674$98,669$93,016$73,977
7 years$99,971$93,260$86,984$81,121$75,647$57,595
8 years$86,591$79,941$73,770$68,051$62,756$45,678
9 years$76,191$69,603$63,538$57,964$52,850$36,727
10 years$67,875$61,351$55,394$49,966$45,031$29,839
11 years$61,076$54,618$48,768$43,485$38,728$24,439
12 years$55,414$49,022$43,280$38,142$33,561$20,145
13 years$50,626$44,301$38,668$33,674$29,266$16,690
14 years$46,527$40,269$34,743$29,892$25,654$13,885
15 years$42,977$36,786$31,369$26,658$22,588$11,591
16 years$39,873$33,751$28,440$23,870$19,963$9,702
17 years$37,138$31,083$25,879$21,447$17,701$8,139
18 years$34,710$28,722$23,625$19,328$15,739$6,842
19 years$32,539$26,619$21,627$17,464$14,028$5,760
20 years$30,588$24,736$19,848$15,817$12,530$4,855
21 years$28,825$23,041$18,257$14,355$11,213$4,097
22 years$27,225$21,508$16,826$13,052$10,051$3,461
23 years$25,766$20,116$15,536$11,887$9,022$2,926
24 years$24,430$18,847$14,368$10,841$8,110$2,475
25 years$23,203$17,687$13,308$9,901$7,297$2,094
26 years$22,073$16,623$12,342$9,053$6,573$1,773
27 years$21,028$15,644$11,461$8,286$5,926$1,502
28 years$20,059$14,741$10,654$7,592$5,347$1,273
29 years$19,159$13,907$9,915$6,962$4,829$1,079
30 years$18,320$13,133$9,235$6,390$4,363$915
31 years$17,537$12,416$8,610$5,868$3,944$776
32 years$16,804$11,748$8,033$5,393$3,568$658
33 years$16,118$11,125$7,501$4,959$3,229$558
34 years$15,473$10,544$7,008$4,563$2,924$473
35 years$14,866$10,001$6,552$4,201$2,648$402
36 years$14,294$9,492$6,129$3,869$2,399$341
37 years$13,754$9,016$5,737$3,564$2,175$289
38 years$13,244$8,568$5,372$3,285$1,971$245
39 years$12,762$8,147$5,033$3,029$1,788$208
40 years$12,304$7,752$4,718$2,794$1,622$177
41 years$11,870$7,379$4,424$2,578$1,471$150
42 years$11,458$7,027$4,150$2,379$1,335$127
43 years$11,066$6,696$3,894$2,196$1,211$108
44 years$10,693$6,382$3,655$2,028$1,100$92
45 years$10,338$6,086$3,432$1,873$998$78
46 years$9,999$5,806$3,223$1,730$906$66
47 years$9,675$5,541$3,028$1,598$823$56
48 years$9,366$5,289$2,846$1,477$747$48
49 years$9,070$5,051$2,675$1,365$679$40
50 years$8,787$4,825$2,515$1,262$617$34

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $9,000,000, adding $2,908 every year, while hoping to spend $21,103 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: 63/15/22 Blend
29$9,000,000$9,000,000$9,000,000$9,000,000
30$9,921,000$9,444,000$9,304,500$10,489,094
31$10,910,488$9,884,302$9,593,747$11,313,114
32$12,000,197$10,345,472$9,891,977$12,210,085
33$13,200,327$10,828,510$10,199,468$13,189,265
34$14,522,118$11,334,464$10,516,507$14,258,688
35$15,977,955$11,864,434$10,843,391$15,427,193
36$17,581,486$12,419,571$11,180,425$16,704,506
37$19,347,752$13,001,085$11,527,923$18,101,331
38$21,293,325$13,610,240$11,886,211$19,629,446
39$23,436,468$14,248,366$12,255,623$21,301,816
40$25,797,305$14,916,853$12,636,503$23,132,710
41$28,398,012$15,617,161$13,029,208$25,137,833
42$31,263,027$16,350,819$13,434,104$27,334,477
43$34,419,278$17,119,432$13,851,570$29,741,675
44$37,896,441$17,924,681$14,281,994$32,380,383
45$41,727,217$18,768,328$14,725,779$35,273,672
46$45,947,639$19,652,223$15,183,339$38,446,945
47$50,597,418$20,578,302$15,655,101$41,928,172
48$55,720,313$21,548,597$16,141,505$45,748,155
49$61,364,545$22,565,238$16,643,005$49,940,809
50$67,583,253$23,630,459$17,160,070$54,543,484
51$74,434,993$24,746,600$17,693,181$59,597,312
52$81,984,296$25,916,117$18,242,837$65,147,594
53$90,302,272$27,141,584$18,809,549$71,244,219
54$99,467,282$28,425,700$19,393,847$77,942,137
55$109,565,679$29,771,294$19,996,275$85,301,867
56$120,692,624$31,181,333$20,617,396$93,390,072
57$132,952,981$32,658,928$21,257,788$102,280,174
58$146,462,311$34,207,341$21,918,050$112,053,053
59$161,347,958$35,829,993$22,598,796$122,797,797
60$177,750,256$37,530,468$23,300,662$134,612,543
61$195,823,850$39,312,529$24,024,302$147,605,395
62$215,739,157$41,180,117$24,770,390$161,895,440
63$237,683,975$43,137,367$25,539,623$177,613,870
64$261,865,257$45,188,614$26,332,716$194,905,206
65$288,511,061$47,338,405$27,150,410$213,928,666
66$317,872,707$49,591,504$27,993,467$234,859,654
67$350,227,147$51,952,911$28,862,672$257,891,411
68$385,879,579$54,427,867$29,758,835$283,236,835
69$425,166,331$57,021,868$30,682,791$311,130,477
70$468,458,034$59,740,676$31,635,401$341,830,755
71$516,163,119$62,590,336$32,617,553$375,622,381
72$568,731,678$65,577,183$33,630,161$412,819,039
73$626,659,707$68,707,862$34,674,170$453,766,340
74$690,493,794$71,989,344$35,750,551$498,845,076
75$760,836,273$75,428,934$36,860,306$548,474,803
76$838,350,916$79,034,295$38,004,470$603,117,790
77$923,769,198$82,813,464$39,184,108$663,283,378
78$1,017,897,198$86,774,866$40,400,318$729,532,772
79$1,121,623,216$90,927,338$41,654,232$802,484,332
80$1,235,926,154$95,280,148$42,947,019$882,819,392
81$1,361,884,759$99,843,012$44,279,881$971,288,688
82$1,500,687,807$104,626,122$45,654,060$1,068,719,425
83$1,653,645,325$109,640,164$47,070,833$1,176,023,075
84$1,822,200,963$114,896,347$48,531,520$1,294,203,969
85$2,007,945,616$120,406,422$50,037,481$1,424,368,761
86$2,212,632,448$126,182,717$51,590,116$1,567,736,862
87$2,438,193,443$132,238,155$53,190,871$1,725,651,933
88$2,686,757,643$138,586,293$54,841,233$1,899,594,554
89$2,960,671,249$145,241,347$56,542,740$2,091,196,186
90$3,262,519,768$152,218,225$58,296,974$2,302,254,548
91$3,595,152,427$159,532,562$60,105,566$2,534,750,577
92$3,961,709,071$167,200,753$61,970,199$2,790,867,103
93$4,365,649,802$175,239,996$63,892,606$3,073,009,438
94$4,810,787,650$183,668,323$65,874,576$3,383,828,060
95$5,301,324,567$192,504,648$67,917,951$3,726,243,612
96$5,841,891,102$201,768,805$70,024,631$4,103,474,452
97$6,437,590,113$211,481,595$72,196,576$4,519,067,009
98$7,094,044,946$221,664,835$74,435,803$4,976,929,240
99$7,817,452,523$232,341,404$76,744,394$5,481,367,493
100$8,614,641,844$243,535,297$79,124,495$6,037,127,135