Can I retire at age 30 with 12,500,000?

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 $12,500,000?

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$1,032,238$1,023,044$1,014,073$1,005,317$996,768$965,247
2 years$511,009$501,492$492,268$483,326$474,651$443,180
3 years$337,289$327,731$318,530$309,671$301,138$270,705
4 years$250,446$240,917$231,808$223,101$214,774$185,611
5 years$198,353$188,882$179,893$171,363$163,268$135,453
6 years$163,636$154,236$145,380$137,040$129,188$102,746
7 years$138,848$129,527$120,812$112,668$105,065$79,993
8 years$120,266$111,029$102,458$94,515$87,161$63,442
9 years$105,820$96,670$88,247$80,506$73,402$51,010
10 years$94,271$85,210$76,936$69,397$62,543$41,443
11 years$84,827$75,858$67,733$60,396$53,789$33,944
12 years$76,963$68,086$60,111$52,975$46,612$27,979
13 years$70,314$61,530$53,705$46,769$40,647$23,181
14 years$64,620$55,929$48,255$41,516$35,631$19,285
15 years$59,690$51,092$43,567$37,025$31,372$16,098
16 years$55,380$46,876$39,500$33,152$27,727$13,475
17 years$51,581$43,171$35,944$29,787$24,584$11,305
18 years$48,208$39,892$32,812$26,844$21,859$9,502
19 years$45,193$36,971$30,038$24,256$19,484$7,999
20 years$42,484$34,356$27,567$21,968$17,403$6,743
21 years$40,035$32,001$25,356$19,938$15,574$5,691
22 years$37,812$29,872$23,370$18,128$13,960$4,807
23 years$35,786$27,938$21,578$16,509$12,531$4,063
24 years$33,931$26,176$19,956$15,058$11,263$3,437
25 years$32,227$24,565$18,483$13,752$10,135$2,909
26 years$30,657$23,087$17,142$12,574$9,129$2,463
27 years$29,205$21,728$15,918$11,509$8,231$2,086
28 years$27,860$20,474$14,798$10,545$7,427$1,768
29 years$26,609$19,315$13,771$9,670$6,706$1,498
30 years$25,445$18,241$12,827$8,874$6,060$1,270
31 years$24,357$17,244$11,958$8,150$5,478$1,077
32 years$23,340$16,316$11,157$7,490$4,956$914
33 years$22,386$15,452$10,418$6,888$4,485$775
34 years$21,490$14,645$9,734$6,338$4,061$657
35 years$20,647$13,890$9,100$5,834$3,678$558
36 years$19,853$13,184$8,513$5,373$3,332$473
37 years$19,103$12,522$7,968$4,951$3,020$402
38 years$18,395$11,900$7,462$4,563$2,738$341
39 years$17,725$11,316$6,991$4,207$2,483$289
40 years$17,089$10,766$6,552$3,881$2,252$245
41 years$16,487$10,248$6,144$3,580$2,043$208
42 years$15,914$9,760$5,763$3,304$1,854$177
43 years$15,370$9,299$5,408$3,050$1,683$150
44 years$14,852$8,864$5,077$2,816$1,527$127
45 years$14,358$8,453$4,767$2,601$1,387$108
46 years$13,887$8,064$4,477$2,403$1,259$92
47 years$13,438$7,695$4,206$2,220$1,143$78
48 years$13,008$7,346$3,953$2,051$1,038$66
49 years$12,597$7,015$3,715$1,896$943$56
50 years$12,204$6,701$3,493$1,752$856$48

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $12,500,000, adding $3,930 every year, while hoping to spend $24,844 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: 70/7/23 Blend
29$12,500,000$12,500,000$12,500,000$12,500,000
30$13,779,054$13,116,554$12,922,804$14,663,791
31$15,158,083$13,732,831$13,329,284$15,871,967
32$16,676,941$14,378,473$13,748,548$17,190,753
33$18,349,864$15,054,893$14,180,999$18,633,782
34$20,192,539$15,763,572$14,627,052$20,213,361
35$22,222,253$16,506,061$15,087,133$21,943,043
36$24,458,055$17,283,991$15,561,684$23,837,744
37$26,920,936$18,099,066$16,051,160$25,913,893
38$29,634,028$18,953,077$16,556,031$28,189,576
39$32,622,822$19,847,900$17,076,780$30,684,708
40$35,915,405$20,785,502$17,613,907$33,421,221
41$39,542,730$21,767,946$18,167,928$36,423,265
42$43,538,908$22,797,395$18,739,372$39,717,437
43$47,941,524$23,876,115$19,328,789$43,333,030
44$52,791,999$25,006,484$19,936,743$47,302,303
45$58,135,977$26,190,995$20,563,817$51,660,787
46$64,023,754$27,432,262$21,210,613$56,447,618
47$70,510,759$28,733,025$21,877,751$61,705,900
48$77,658,071$30,096,158$22,565,870$67,483,114
49$85,532,999$31,524,674$23,275,631$73,831,558
50$94,209,713$33,021,731$24,007,713$80,808,845
51$103,769,951$34,590,644$24,762,819$88,478,434
52$114,303,786$36,234,885$25,541,673$96,910,236
53$125,910,474$37,958,096$26,345,021$106,181,262
54$138,699,397$39,764,098$27,173,634$116,376,354
55$152,791,091$41,656,894$28,028,306$127,588,975
56$168,318,386$43,640,685$28,909,857$139,922,093
57$185,427,656$45,719,873$29,819,132$153,489,147
58$204,280,206$47,899,077$30,757,003$168,415,114
59$225,053,793$50,183,137$31,724,369$184,837,684
60$247,944,302$52,577,133$32,722,157$202,908,557
61$273,167,596$55,086,387$33,751,324$222,794,867
62$300,961,554$57,716,484$34,812,857$244,680,761
63$331,588,319$60,473,278$35,907,774$268,769,125
64$365,336,767$63,362,908$37,037,124$295,283,501
65$402,525,240$66,391,813$38,201,990$324,470,187
66$443,504,546$69,566,744$39,403,489$356,600,559
67$488,661,277$72,894,781$40,642,772$391,973,626
68$538,421,451$76,383,349$41,921,029$430,918,848
69$593,254,539$80,040,233$43,239,484$473,799,237
70$653,677,897$83,873,600$44,599,401$521,014,782
71$720,261,646$87,892,009$46,002,085$573,006,213
72$793,634,058$92,104,443$47,448,879$630,259,158
73$874,487,487$96,520,315$48,941,171$693,308,721
74$963,584,902$101,149,502$50,480,392$762,744,522
75$1,061,767,094$106,002,360$52,068,018$839,216,258
76$1,169,960,610$111,089,748$53,705,569$923,439,826
77$1,289,186,503$116,423,057$55,394,616$1,016,204,077
78$1,420,569,970$122,014,229$57,136,779$1,118,378,250
79$1,565,350,973$127,875,793$58,933,727$1,230,920,169
80$1,724,895,948$134,020,883$60,787,183$1,354,885,277
81$1,900,710,705$140,463,276$62,698,924$1,491,436,590
82$2,094,454,642$147,217,421$64,670,782$1,641,855,664
83$2,307,956,410$154,298,470$66,704,648$1,807,554,684
84$2,543,231,182$161,722,313$68,802,472$1,990,089,784
85$2,802,499,671$169,505,615$70,966,264$2,191,175,725
86$3,088,209,103$177,665,855$73,198,099$2,412,702,072
87$3,403,056,312$186,221,363$75,500,116$2,656,751,019
88$3,750,013,207$195,191,361$77,874,521$2,925,617,033
89$4,132,354,829$204,596,012$80,323,592$3,221,828,502
90$4,553,690,264$214,456,459$82,849,675$3,548,171,588
91$5,017,996,724$224,794,879$85,455,192$3,907,716,514
92$5,529,657,089$235,634,527$88,142,640$4,303,846,536
93$6,093,501,290$246,999,797$90,914,596$4,740,289,868
94$6,714,851,903$258,916,268$93,773,717$5,221,154,855
95$7,399,574,403$271,410,772$96,722,743$5,750,968,746
96$8,154,132,538$284,511,445$99,764,500$6,334,720,415
97$8,985,649,352$298,247,801$102,901,906$6,977,907,439
98$9,901,974,432$312,650,789$106,137,966$7,686,587,977
99$10,911,758,019$327,752,873$109,475,783$8,467,437,947
100$12,024,532,671$343,588,098$112,918,556$9,327,814,025