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%16%
1 years$743,212$736,591$730,133$723,828$717,673$700,039
2 years$367,927$361,074$354,433$347,994$341,749$324,092
3 years$242,848$235,966$229,342$222,963$216,820$199,692
4 years$180,321$173,460$166,902$160,633$154,638$138,170
5 years$142,814$135,995$129,523$123,381$117,553$101,792
6 years$117,818$111,050$104,674$98,669$93,016$77,977
7 years$99,971$93,260$86,984$81,121$75,647$61,332
8 years$86,591$79,941$73,770$68,051$62,756$49,160
9 years$76,191$69,603$63,538$57,964$52,850$39,960
10 years$67,875$61,351$55,394$49,966$45,031$32,833
11 years$61,076$54,618$48,768$43,485$38,728$27,204
12 years$55,414$49,022$43,280$38,142$33,561$22,692
13 years$50,626$44,301$38,668$33,674$29,266$19,030
14 years$46,527$40,269$34,743$29,892$25,654$16,029
15 years$42,977$36,786$31,369$26,658$22,588$13,551
16 years$39,873$33,751$28,440$23,870$19,963$11,490
17 years$37,138$31,083$25,879$21,447$17,701$9,767
18 years$34,710$28,722$23,625$19,328$15,739$8,320
19 years$32,539$26,619$21,627$17,464$14,028$7,100
20 years$30,588$24,736$19,848$15,817$12,530$6,067
21 years$28,825$23,041$18,257$14,355$11,213$5,192
22 years$27,225$21,508$16,826$13,052$10,051$4,447
23 years$25,766$20,116$15,536$11,887$9,022$3,813
24 years$24,430$18,847$14,368$10,841$8,110$3,272
25 years$23,203$17,687$13,308$9,901$7,297$2,809
26 years$22,073$16,623$12,342$9,053$6,573$2,413
27 years$21,028$15,644$11,461$8,286$5,926$2,074
28 years$20,059$14,741$10,654$7,592$5,347$1,784
29 years$19,159$13,907$9,915$6,962$4,829$1,534
30 years$18,320$13,133$9,235$6,390$4,363$1,320
31 years$17,537$12,416$8,610$5,868$3,944$1,136
32 years$16,804$11,748$8,033$5,393$3,568$978
33 years$16,118$11,125$7,501$4,959$3,229$842
34 years$15,473$10,544$7,008$4,563$2,924$725
35 years$14,866$10,001$6,552$4,201$2,648$625
36 years$14,294$9,492$6,129$3,869$2,399$538
37 years$13,754$9,016$5,737$3,564$2,175$464
38 years$13,244$8,568$5,372$3,285$1,971$399
39 years$12,762$8,147$5,033$3,029$1,788$344
40 years$12,304$7,752$4,718$2,794$1,622$297
41 years$11,870$7,379$4,424$2,578$1,471$256
42 years$11,458$7,027$4,150$2,379$1,335$220
43 years$11,066$6,696$3,894$2,196$1,211$190
44 years$10,693$6,382$3,655$2,028$1,100$164
45 years$10,338$6,086$3,432$1,873$998$141
46 years$9,999$5,806$3,223$1,730$906$122
47 years$9,675$5,541$3,028$1,598$823$105
48 years$9,366$5,289$2,846$1,477$747$90
49 years$9,070$5,051$2,675$1,365$679$78
50 years$8,787$4,825$2,515$1,262$617$67

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 $5,300 every year, while hoping to spend $33,671 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: 35/39/26 Blend
29$9,000,000$9,000,000$9,000,000$9,000,000
30$9,923,467$9,446,467$9,306,967$10,192,653
31$10,899,835$9,873,518$9,582,925$10,820,725
32$11,974,664$10,320,366$9,866,998$11,494,501
33$13,157,961$10,787,946$10,159,425$12,220,843
34$14,460,754$11,277,236$10,460,446$13,004,467
35$15,895,194$11,789,263$10,770,314$13,850,549
36$17,474,669$12,325,102$11,089,284$14,764,761
37$19,213,932$12,885,879$11,417,622$15,753,326
38$21,129,241$13,472,775$11,755,601$16,823,070
39$23,238,509$14,087,027$12,103,499$17,981,484
40$25,561,476$14,729,931$12,461,605$19,236,790
41$28,119,894$15,402,845$12,830,217$20,598,012
42$30,937,732$16,107,193$13,209,638$22,075,059
43$34,041,402$16,844,467$13,600,182$23,678,815
44$37,460,009$17,616,229$14,002,172$25,421,230
45$41,225,625$18,424,120$14,415,940$27,315,435
46$45,373,592$19,269,855$14,841,827$29,375,855
47$49,942,854$20,155,233$15,280,184$31,618,342
48$54,976,328$21,082,142$15,731,372$34,060,317
49$60,521,304$22,052,558$16,195,764$36,720,929
50$66,629,895$23,068,551$16,673,740$39,621,228
51$73,359,528$24,132,294$17,165,694$42,784,358
52$80,773,485$25,246,062$17,672,031$46,235,766
53$88,941,502$26,412,240$18,193,165$50,003,436
54$97,940,423$27,633,328$18,729,524$54,118,147
55$107,854,932$28,911,947$19,281,548$58,613,749
56$118,778,344$30,250,842$19,849,690$63,527,481
57$130,813,495$31,652,892$20,434,414$68,900,308
58$144,073,703$33,121,116$21,036,198$74,777,301
59$158,683,845$34,658,675$21,655,536$81,208,052
60$174,781,533$36,268,885$22,292,931$88,247,128
61$192,518,411$37,955,222$22,948,906$95,954,582
62$212,061,588$39,721,328$23,623,994$104,396,502
63$233,595,218$41,571,021$24,318,746$113,645,626
64$257,322,234$43,508,305$25,033,727$123,782,014
65$283,466,265$45,537,375$25,769,521$134,893,794
66$312,273,748$47,662,630$26,526,723$147,077,977
67$344,016,253$49,888,681$27,305,951$160,441,360
68$378,993,047$52,220,363$28,107,836$175,101,517
69$417,533,918$54,662,741$28,933,029$191,187,896
70$460,002,291$57,221,129$29,782,199$208,843,022
71$506,798,656$59,901,095$30,656,034$228,223,829
72$558,364,347$62,708,477$31,555,240$249,503,118
73$615,185,715$65,649,396$32,480,544$272,871,173
74$677,798,710$68,730,269$33,432,695$298,537,538
75$746,793,949$71,957,822$34,412,460$326,732,970
76$822,822,284$75,339,109$35,420,630$357,711,603
77$906,600,954$78,881,521$36,458,018$391,753,318
78$998,920,348$82,592,812$37,525,458$429,166,365
79$1,100,651,472$86,481,109$38,623,810$470,290,247
80$1,212,754,170$90,554,931$39,753,955$515,498,898
81$1,336,286,185$94,823,212$40,916,802$565,204,189
82$1,472,413,144$99,295,319$42,113,284$619,859,785
83$1,622,419,566$103,981,070$43,344,360$679,965,401
84$1,787,720,981$108,890,762$44,611,016$746,071,484
85$1,969,877,302$114,035,190$45,914,265$818,784,380
86$2,170,607,543$119,425,671$47,255,149$898,772,026
87$2,391,806,056$125,074,072$48,634,740$986,770,214
88$2,635,560,408$130,992,836$50,054,139$1,083,589,507
89$2,904,171,094$137,195,009$51,514,476$1,190,122,847
90$3,200,173,250$143,694,270$53,016,916$1,307,353,945
91$3,526,360,593$150,504,960$54,562,654$1,436,366,526
92$3,885,811,789$157,642,119$56,152,919$1,578,354,516
93$4,281,919,524$165,121,514$57,788,973$1,734,633,265
94$4,718,422,527$172,959,681$59,472,116$1,906,651,913
95$5,199,440,874$181,173,955$61,203,681$2,096,007,026
96$5,729,514,879$189,782,514$62,985,040$2,304,457,608
97$6,313,647,960$198,804,421$64,817,603$2,533,941,656
98$6,957,353,876$208,259,661$66,702,816$2,786,594,392
99$7,666,708,781$218,169,194$68,642,170$3,064,768,364
100$8,448,408,588$228,554,996$70,637,194$3,371,055,588