Can I retire at age 30 with 15,000,000?

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 $15,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$1,238,686$1,227,652$1,216,888$1,206,381$1,196,121$1,148,664
2 years$613,211$601,790$590,722$579,991$569,581$522,357
3 years$404,746$393,277$382,236$371,606$361,366$315,862
4 years$300,535$289,100$278,170$267,721$257,729$214,292
5 years$238,024$226,658$215,871$205,635$195,922$154,661
6 years$196,364$185,083$174,456$164,448$155,026$115,969
7 years$166,618$155,433$144,974$135,202$126,078$89,209
8 years$144,319$133,234$122,949$113,418$104,594$69,877
9 years$126,984$116,005$105,896$96,607$88,083$55,465
10 years$113,125$102,252$92,323$83,276$75,051$44,469
11 years$101,793$91,029$81,280$72,475$64,546$35,928
12 years$92,356$81,703$72,133$63,570$55,935$29,203
13 years$84,377$73,836$64,446$56,123$48,776$23,851
14 years$77,544$67,114$57,905$49,820$42,757$19,553
15 years$71,628$61,310$52,281$44,430$37,646$16,080
16 years$66,456$56,251$47,400$39,783$33,272$13,256
17 years$61,897$51,805$43,132$35,744$29,501$10,951
18 years$57,849$47,870$39,374$32,213$26,231$9,061
19 years$54,232$44,366$36,045$29,107$23,380$7,508
20 years$50,980$41,227$33,081$26,362$20,884$6,228
21 years$48,042$38,401$30,428$23,925$18,689$5,171
22 years$45,375$35,846$28,044$21,754$16,752$4,296
23 years$42,943$33,526$25,894$19,811$15,037$3,572
24 years$40,717$31,412$23,947$18,069$13,516$2,972
25 years$38,672$29,478$22,180$16,502$12,162$2,473
26 years$36,788$27,705$20,571$15,088$10,955$2,059
27 years$35,046$26,074$19,102$13,811$9,877$1,715
28 years$33,432$24,569$17,757$12,654$8,912$1,428
29 years$31,931$23,178$16,525$11,604$8,048$1,190
30 years$30,534$21,889$15,392$10,649$7,272$992
31 years$29,228$20,693$14,350$9,780$6,574$826
32 years$28,007$19,579$13,389$8,989$5,947$689
33 years$26,863$18,542$12,501$8,266$5,382$574
34 years$25,788$17,574$11,680$7,605$4,873$479
35 years$24,776$16,668$10,920$7,001$4,413$399
36 years$23,823$15,821$10,216$6,448$3,999$333
37 years$22,924$15,026$9,562$5,941$3,624$278
38 years$22,074$14,280$8,954$5,476$3,286$231
39 years$21,270$13,579$8,389$5,049$2,980$193
40 years$20,507$12,919$7,863$4,657$2,703$161
41 years$19,784$12,298$7,373$4,297$2,452$134
42 years$19,097$11,712$6,916$3,965$2,225$112
43 years$18,444$11,159$6,490$3,660$2,019$93
44 years$17,822$10,637$6,092$3,380$1,833$78
45 years$17,230$10,143$5,720$3,121$1,664$65
46 years$16,665$9,676$5,372$2,883$1,511$54
47 years$16,125$9,234$5,047$2,664$1,372$45
48 years$15,610$8,815$4,743$2,461$1,246$38
49 years$15,117$8,418$4,458$2,275$1,131$31
50 years$14,645$8,041$4,191$2,103$1,028$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $15,000,000, adding $4,337 every year, while hoping to spend $57,596 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: 33/47/20 Blend
29$15,000,000$15,000,000$15,000,000$15,000,000
30$16,534,474$15,739,474$15,506,974$16,977,967
31$18,159,708$16,449,426$15,965,176$18,017,906
32$19,948,786$17,192,236$16,436,797$19,132,357
33$21,918,359$17,969,452$16,922,226$20,332,267
34$24,086,775$18,782,698$17,421,864$21,625,193
35$26,474,250$19,633,675$17,936,120$23,019,410
36$29,103,063$20,524,164$18,465,419$24,523,987
37$31,997,760$21,456,032$19,010,196$26,148,860
38$35,185,391$22,431,238$19,570,897$27,904,923
39$38,695,762$23,451,829$20,147,983$29,804,123
40$42,561,717$24,519,956$20,741,927$31,859,560
41$46,819,447$25,637,869$21,353,217$34,085,606
42$51,508,833$26,807,928$21,982,353$36,498,031
43$56,673,822$28,032,604$22,629,850$39,114,143
44$62,362,839$29,314,489$23,296,237$41,952,938
45$68,629,247$30,656,297$23,982,059$45,035,274
46$75,531,848$32,060,873$24,687,876$48,384,054
47$83,135,441$33,531,200$25,414,264$52,024,431
48$91,511,429$35,070,403$26,161,815$55,984,036
49$100,738,498$36,681,756$26,931,139$60,293,224
50$110,903,355$38,368,691$27,722,862$64,985,348
51$122,101,546$40,134,807$28,537,627$70,097,063
52$134,438,364$41,983,873$29,376,098$75,668,655
53$148,029,835$43,919,840$30,238,955$81,744,406
54$163,003,817$45,946,851$31,126,899$88,373,002
55$179,501,206$48,069,246$32,040,649$95,607,968
56$197,677,265$50,291,574$32,980,947$103,508,166
57$217,703,090$52,618,606$33,948,553$112,138,323
58$239,767,225$55,055,338$34,944,250$121,569,634
59$264,077,443$57,607,011$35,968,843$131,880,405
60$290,862,703$60,279,115$37,023,160$143,156,779
61$320,375,314$63,077,407$38,108,051$155,493,525
62$352,893,317$66,007,921$39,224,392$168,994,911
63$388,723,108$69,076,981$40,373,081$183,775,665
64$428,202,329$72,291,217$41,555,043$199,962,035
65$471,703,059$75,657,579$42,771,230$217,692,954
66$519,635,322$79,183,352$44,022,617$237,121,326
67$572,450,960$82,876,172$45,310,210$258,415,440
68$630,647,898$86,744,044$46,635,042$281,760,532
69$694,774,843$90,795,361$47,998,175$307,360,502
70$765,436,462$95,038,919$49,400,699$335,439,808
71$843,299,096$99,483,941$50,843,738$366,245,549
72$929,097,045$104,140,095$52,328,444$400,049,766
73$1,023,639,500$109,017,516$53,856,003$437,151,973
74$1,127,818,183$114,126,828$55,427,633$477,881,944
75$1,242,615,767$119,479,172$57,044,588$522,602,788
76$1,369,115,149$125,086,225$58,708,156$571,714,337
77$1,508,509,674$130,960,230$60,419,658$625,656,872
78$1,662,114,400$137,114,021$62,180,457$684,915,237
79$1,831,378,517$143,561,056$63,991,950$750,023,368
80$2,017,899,019$150,315,441$65,855,574$821,569,282
81$2,223,435,789$157,391,968$67,772,805$900,200,575
82$2,449,928,208$164,806,143$69,745,163$986,630,482
83$2,699,513,467$172,574,225$71,774,207$1,081,644,553
84$2,974,546,737$180,713,259$73,861,540$1,186,108,006
85$3,277,623,413$189,241,117$76,008,810$1,300,973,834
86$3,611,603,606$198,176,537$78,217,711$1,427,291,734
87$3,979,639,151$207,539,164$80,489,981$1,566,217,948
88$4,385,203,359$217,349,598$82,827,410$1,719,026,107
89$4,832,123,808$227,629,435$85,231,834$1,887,119,177
90$5,324,618,478$238,401,319$87,705,143$2,072,042,623
91$5,867,335,574$249,688,994$90,249,276$2,275,498,920
92$6,465,397,402$261,517,354$92,866,226$2,499,363,531
93$7,124,448,735$273,912,503$95,558,043$2,745,702,529
94$7,850,710,099$286,901,809$98,326,831$3,016,792,000
95$8,651,036,502$300,513,970$101,174,752$3,315,139,432
96$9,532,982,148$314,779,077$104,104,029$3,643,507,283
97$10,504,871,757$329,728,682$107,116,944$4,004,938,951
98$11,575,879,157$345,395,869$110,215,843$4,402,787,385
99$12,756,113,893$361,815,328$113,403,135$4,840,746,625
100$14,056,716,666$379,023,435$116,681,296$5,322,886,547