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%11.2%
1 years$743,212$736,591$730,133$723,828$717,673$714,048
2 years$367,927$361,074$354,433$347,994$341,749$338,091
3 years$242,848$235,966$229,342$222,963$216,820$213,241
4 years$180,321$173,460$166,902$160,633$154,638$151,167
5 years$142,814$135,995$129,523$123,381$117,553$114,200
6 years$117,818$111,050$104,674$98,669$93,016$89,784
7 years$99,971$93,260$86,984$81,121$75,647$72,539
8 years$86,591$79,941$73,770$68,051$62,756$59,772
9 years$76,191$69,603$63,538$57,964$52,850$49,989
10 years$67,875$61,351$55,394$49,966$45,031$42,292
11 years$61,076$54,618$48,768$43,485$38,728$36,109
12 years$55,414$49,022$43,280$38,142$33,561$31,059
13 years$50,626$44,301$38,668$33,674$29,266$26,880
14 years$46,527$40,269$34,743$29,892$25,654$23,381
15 years$42,977$36,786$31,369$26,658$22,588$20,425
16 years$39,873$33,751$28,440$23,870$19,963$17,907
17 years$37,138$31,083$25,879$21,447$17,701$15,748
18 years$34,710$28,722$23,625$19,328$15,739$13,887
19 years$32,539$26,619$21,627$17,464$14,028$12,273
20 years$30,588$24,736$19,848$15,817$12,530$10,869
21 years$28,825$23,041$18,257$14,355$11,213$9,642
22 years$27,225$21,508$16,826$13,052$10,051$8,567
23 years$25,766$20,116$15,536$11,887$9,022$7,622
24 years$24,430$18,847$14,368$10,841$8,110$6,789
25 years$23,203$17,687$13,308$9,901$7,297$6,054
26 years$22,073$16,623$12,342$9,053$6,573$5,403
27 years$21,028$15,644$11,461$8,286$5,926$4,826
28 years$20,059$14,741$10,654$7,592$5,347$4,313
29 years$19,159$13,907$9,915$6,962$4,829$3,858
30 years$18,320$13,133$9,235$6,390$4,363$3,453
31 years$17,537$12,416$8,610$5,868$3,944$3,091
32 years$16,804$11,748$8,033$5,393$3,568$2,769
33 years$16,118$11,125$7,501$4,959$3,229$2,482
34 years$15,473$10,544$7,008$4,563$2,924$2,225
35 years$14,866$10,001$6,552$4,201$2,648$1,995
36 years$14,294$9,492$6,129$3,869$2,399$1,790
37 years$13,754$9,016$5,737$3,564$2,175$1,606
38 years$13,244$8,568$5,372$3,285$1,971$1,441
39 years$12,762$8,147$5,033$3,029$1,788$1,294
40 years$12,304$7,752$4,718$2,794$1,622$1,161
41 years$11,870$7,379$4,424$2,578$1,471$1,043
42 years$11,458$7,027$4,150$2,379$1,335$937
43 years$11,066$6,696$3,894$2,196$1,211$841
44 years$10,693$6,382$3,655$2,028$1,100$756
45 years$10,338$6,086$3,432$1,873$998$679
46 years$9,999$5,806$3,223$1,730$906$610
47 years$9,675$5,541$3,028$1,598$823$548
48 years$9,366$5,289$2,846$1,477$747$493
49 years$9,070$5,051$2,675$1,365$679$443
50 years$8,787$4,825$2,515$1,262$617$398

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 $6,188 every year, while hoping to spend $52,715 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: 40/37/23 Blend
29$9,000,000$9,000,000$9,000,000$9,000,000
30$9,924,383$9,447,383$9,307,883$10,253,586
31$10,880,582$9,854,216$9,563,609$10,897,932
32$11,932,546$10,279,218$9,826,134$11,589,115
33$13,089,988$10,723,222$10,095,632$12,335,830
34$14,363,609$11,187,102$10,372,279$13,143,173
35$15,765,201$11,671,774$10,656,253$14,016,742
36$17,307,755$12,178,194$10,947,741$14,962,678
37$19,005,586$12,707,366$11,246,931$15,987,726
38$20,874,468$13,260,339$11,554,015$17,099,292
39$22,931,781$13,838,213$11,869,192$18,305,510
40$25,196,675$14,442,138$12,192,662$19,615,319
41$27,690,253$15,073,319$12,524,633$21,038,535
42$30,435,766$15,733,020$12,865,316$22,585,950
43$33,458,837$16,422,560$13,214,927$24,269,421
44$36,787,698$17,143,325$13,573,686$26,101,982
45$40,453,458$17,896,763$13,941,820$28,097,965
46$44,490,399$18,684,392$14,319,559$30,273,123
47$48,936,294$19,507,802$14,707,138$32,644,780
48$53,832,768$20,368,657$15,104,800$35,231,989
49$59,225,689$21,268,700$15,512,790$38,055,704
50$65,165,601$22,209,758$15,931,360$41,138,971
51$71,708,199$23,193,742$16,360,767$44,507,147
52$78,914,856$24,222,657$16,801,274$48,188,124
53$86,853,204$25,298,599$17,253,149$52,212,592
54$95,597,768$26,423,768$17,716,666$56,614,321
55$105,230,672$27,600,464$18,192,106$61,430,470
56$115,842,413$28,831,099$18,679,754$66,701,936
57$127,532,715$30,118,199$19,179,902$72,473,727
58$140,411,470$31,464,409$19,692,847$78,795,380
59$154,599,777$32,872,502$20,218,895$85,721,425
60$170,231,081$34,345,382$20,758,354$93,311,885
61$187,452,435$35,886,089$21,311,543$101,632,838
62$206,425,887$37,497,811$21,878,783$110,757,028
63$227,330,011$39,183,887$22,460,405$120,764,544
64$250,361,588$40,947,814$23,056,745$131,743,567
65$275,737,470$42,793,256$23,668,146$143,791,188
66$303,696,620$44,724,054$24,294,957$157,014,316
67$334,502,372$46,744,230$24,937,535$171,530,675
68$368,444,915$48,857,998$25,596,243$187,469,903
69$405,844,031$51,069,775$26,271,452$204,974,762
70$447,052,116$53,384,187$26,963,540$224,202,473
71$492,457,503$55,806,084$27,672,890$245,326,189
72$542,488,131$58,340,544$28,399,894$268,536,610
73$597,615,582$60,992,892$29,144,952$294,043,770
74$658,359,533$63,768,706$29,908,470$322,079,005
75$725,292,663$66,673,830$30,690,861$352,897,120
76$799,046,057$69,714,389$31,492,546$386,778,773
77$880,315,163$72,896,803$32,313,955$424,033,114
78$969,866,359$76,227,796$33,155,523$465,000,675
79$1,068,544,188$79,714,418$34,017,693$510,056,573
80$1,177,279,327$83,364,056$34,900,917$559,614,024
81$1,297,097,374$87,184,451$35,805,653$614,128,227
82$1,429,128,532$91,183,714$36,732,368$674,100,636
83$1,574,618,275$95,370,350$37,681,536$740,083,668
84$1,734,939,109$99,753,267$38,653,637$812,685,897
85$1,911,603,526$104,341,805$39,649,162$892,577,772
86$2,106,278,284$109,145,751$40,668,607$980,497,916
87$2,320,800,139$114,175,363$41,712,476$1,077,260,075
88$2,557,193,190$119,441,393$42,781,280$1,183,760,764
89$2,817,687,983$124,955,108$43,875,540$1,300,987,708
90$3,104,742,568$130,728,320$44,995,782$1,430,029,124
91$3,421,065,710$136,773,407$46,142,540$1,572,083,968
92$3,769,642,452$143,103,344$47,316,356$1,728,473,214
93$4,153,762,306$149,731,732$48,517,777$1,900,652,286
94$4,577,050,299$156,672,824$49,747,361$2,090,224,763
95$5,043,501,201$163,941,564$51,005,668$2,298,957,473
96$5,557,517,235$171,553,613$52,293,270$2,528,797,132
97$6,123,949,641$179,525,388$53,610,743$2,781,888,675
98$6,748,144,470$187,874,097$54,958,668$3,060,595,461
99$7,435,993,059$196,617,781$56,337,636$3,367,521,533
100$8,193,987,646$205,775,347$57,748,242$3,705,536,151