Can I retire at age 30 with 10,000,000?

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 $10,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$825,791$818,435$811,258$804,254$797,414$776,248
2 years$408,807$401,194$393,815$386,660$379,721$358,544
3 years$269,831$262,184$254,824$247,737$240,911$220,386
4 years$200,356$192,733$185,447$178,481$171,819$152,104
5 years$158,683$151,105$143,914$137,090$130,614$111,763
6 years$130,909$123,389$116,304$109,632$103,351$85,382
7 years$111,079$103,622$96,649$90,135$84,052$66,967
8 years$96,213$88,823$81,966$75,612$69,729$53,519
9 years$84,656$77,336$70,598$64,404$58,722$43,372
10 years$75,417$68,168$61,549$55,517$50,034$35,526
11 years$67,862$60,686$54,186$48,317$43,031$29,341
12 years$61,571$54,469$48,089$42,380$37,290$24,394
13 years$56,251$49,224$42,964$37,415$32,517$20,389
14 years$51,696$44,743$38,604$33,213$28,505$17,116
15 years$47,752$40,874$34,854$29,620$25,098$14,419
16 years$44,304$37,501$31,600$26,522$22,181$12,182
17 years$41,265$34,537$28,755$23,830$19,668$10,318
18 years$38,566$31,914$26,250$21,475$17,487$8,757
19 years$36,155$29,577$24,030$19,405$15,587$7,444
20 years$33,987$27,484$22,054$17,575$13,923$6,338
21 years$32,028$25,601$20,285$15,950$12,459$5,402
22 years$30,250$23,897$18,696$14,502$11,168$4,610
23 years$28,629$22,351$17,262$13,208$10,025$3,937
24 years$27,145$20,941$15,965$12,046$9,011$3,365
25 years$25,782$19,652$14,787$11,001$8,108$2,877
26 years$24,525$18,470$13,714$10,059$7,304$2,462
27 years$23,364$17,382$12,734$9,207$6,585$2,108
28 years$22,288$16,379$11,838$8,436$5,942$1,805
29 years$21,288$15,452$11,017$7,736$5,365$1,546
30 years$20,356$14,593$10,262$7,099$4,848$1,325
31 years$19,486$13,795$9,567$6,520$4,383$1,136
32 years$18,672$13,053$8,926$5,992$3,965$974
33 years$17,909$12,361$8,334$5,510$3,588$835
34 years$17,192$11,716$7,787$5,070$3,248$716
35 years$16,518$11,112$7,280$4,667$2,942$614
36 years$15,882$10,547$6,810$4,298$2,666$527
37 years$15,283$10,017$6,374$3,960$2,416$452
38 years$14,716$9,520$5,969$3,650$2,190$388
39 years$14,180$9,053$5,593$3,366$1,986$333
40 years$13,672$8,613$5,242$3,105$1,802$285
41 years$13,189$8,199$4,915$2,864$1,635$245
42 years$12,731$7,808$4,611$2,643$1,483$210
43 years$12,296$7,439$4,327$2,440$1,346$180
44 years$11,881$7,091$4,061$2,253$1,222$155
45 years$11,486$6,762$3,813$2,081$1,109$133
46 years$11,110$6,451$3,582$1,922$1,007$114
47 years$10,750$6,156$3,365$1,776$914$98
48 years$10,406$5,877$3,162$1,641$830$84
49 years$10,078$5,612$2,972$1,516$754$72
50 years$9,763$5,361$2,794$1,402$685$62

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $10,000,000, adding $6,264 every year, while hoping to spend $39,376 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: 44/38/18 Blend
29$10,000,000$10,000,000$10,000,000$10,000,000
30$11,026,461$10,496,461$10,341,461$11,453,983
31$12,109,265$10,968,892$10,646,005$12,227,349
32$13,301,194$11,463,152$10,959,430$13,060,712
33$14,613,339$11,980,270$11,281,994$13,963,180
34$16,057,919$12,521,322$11,613,960$14,941,155
35$17,648,397$13,087,438$11,955,599$16,001,667
36$19,399,610$13,679,799$12,307,188$17,152,432
37$21,327,906$14,299,645$12,669,014$18,401,925
38$23,451,299$14,948,273$13,041,372$19,759,452
39$25,789,637$15,627,045$13,424,564$21,235,237
40$28,364,795$16,337,385$13,818,902$22,840,511
41$31,200,874$17,080,787$14,224,705$24,587,618
42$34,324,434$17,858,816$14,642,304$26,490,118
43$37,764,741$18,673,113$15,072,035$28,562,921
44$41,554,044$19,525,395$15,514,248$30,822,413
45$45,727,881$20,417,464$15,969,300$33,286,610
46$50,325,412$21,351,207$16,437,559$35,975,322
47$55,389,790$22,328,602$16,919,403$38,910,330
48$60,968,567$23,351,721$17,415,221$42,115,591
49$67,114,143$24,422,738$17,925,413$45,617,453
50$73,884,262$25,543,928$18,450,391$49,444,899
51$81,342,553$26,717,677$18,990,575$53,629,811
52$89,559,137$27,946,487$19,546,403$58,207,267
53$98,611,281$29,232,976$20,118,319$63,215,861
54$108,584,132$30,579,893$20,706,783$68,698,058
55$119,571,521$31,990,115$21,312,268$74,700,592
56$131,676,845$33,466,660$21,935,259$81,274,890
57$145,014,048$35,012,690$22,576,254$88,477,555
58$159,708,688$36,631,520$23,235,766$96,370,885
59$175,899,134$38,326,624$23,914,323$105,023,454
60$193,737,859$40,101,642$24,612,467$114,510,748
61$213,392,891$41,960,393$25,330,755$124,915,863
62$235,049,390$43,906,876$26,069,759$136,330,283
63$258,911,400$45,945,285$26,830,068$148,854,725
64$285,203,774$48,080,016$27,612,287$162,600,082
65$314,174,299$50,315,676$28,417,038$177,688,452
66$346,096,028$52,657,095$29,244,960$194,254,278
67$381,269,866$55,109,336$30,096,709$212,445,604
68$420,027,406$57,677,706$30,972,962$232,425,453
69$462,734,056$60,367,769$31,874,411$254,373,352
70$509,792,497$63,185,356$32,801,771$278,487,010
71$561,646,474$66,136,582$33,755,773$304,984,165
72$618,784,995$69,227,854$34,737,172$334,104,621
73$681,746,938$72,465,893$35,746,740$366,112,492
74$751,126,144$75,857,740$36,785,275$401,298,675
75$827,577,021$79,410,779$37,853,592$439,983,576
76$911,820,721$83,132,752$38,952,532$482,520,110
77$1,004,651,951$87,031,773$40,082,958$529,297,008
78$1,106,946,471$91,116,350$41,245,757$580,742,466
79$1,219,669,361$95,395,402$42,441,841$637,328,159
80$1,343,884,139$99,878,280$43,672,145$699,573,665
81$1,480,762,792$104,574,786$44,937,633$768,051,346
82$1,631,596,845$109,495,199$46,239,292$843,391,717
83$1,797,809,553$114,650,294$47,578,138$926,289,371
84$1,980,969,338$120,051,369$48,955,216$1,017,509,501
85$2,182,804,591$125,710,267$50,371,597$1,117,895,093
86$2,405,219,997$131,639,407$51,828,382$1,228,374,844
87$2,650,314,507$137,851,809$53,326,704$1,349,971,896
88$2,920,401,164$144,361,124$54,867,725$1,483,813,455
89$3,218,028,928$151,181,665$56,452,640$1,631,141,388
90$3,546,006,750$158,328,437$58,082,674$1,793,323,911
91$3,907,430,084$165,817,176$59,759,089$1,971,868,453
92$4,305,710,113$173,664,379$61,483,180$2,168,435,849
93$4,744,605,954$181,887,343$63,256,275$2,384,855,959
94$5,228,260,143$190,504,204$65,079,742$2,623,144,903
95$5,761,237,747$199,533,979$66,954,983$2,885,524,031
96$6,348,569,461$208,996,609$68,883,439$3,174,440,844
97$6,995,799,102$218,912,999$70,866,590$3,492,592,039
98$7,709,035,947$229,305,072$72,905,958$3,842,948,902
99$8,495,012,408$240,195,815$75,003,101$4,228,785,301
100$9,361,147,594$251,609,330$77,159,626$4,653,708,520