Can I retire at age 30 with 15,500,000?

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 $15,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$1,279,976$1,268,574$1,257,451$1,246,593$1,235,992$1,186,952
2 years$633,651$621,850$610,413$599,324$588,568$539,769
3 years$418,238$406,386$394,978$383,993$373,411$326,391
4 years$310,552$298,737$287,443$276,645$266,320$221,435
5 years$245,958$234,213$223,067$212,490$202,452$159,816
6 years$202,909$191,253$180,271$169,930$160,194$119,834
7 years$172,172$160,614$149,806$139,709$130,280$92,183
8 years$149,130$137,676$127,048$117,198$108,080$72,206
9 years$131,217$119,871$109,426$99,827$91,019$57,314
10 years$116,896$105,661$95,400$86,052$77,553$45,951
11 years$105,186$94,064$83,989$74,891$66,698$37,126
12 years$95,434$84,426$74,538$65,689$57,799$30,177
13 years$87,190$76,297$66,595$57,994$50,402$24,646
14 years$80,129$69,352$59,836$51,480$44,182$20,205
15 years$74,015$63,354$54,024$45,911$38,901$16,616
16 years$68,671$58,126$48,980$41,109$34,381$13,698
17 years$63,960$53,532$44,570$36,936$30,485$11,316
18 years$59,778$49,466$40,687$33,287$27,106$9,363
19 years$56,040$45,845$37,247$30,077$24,160$7,758
20 years$52,680$42,601$34,183$27,241$21,580$6,435
21 years$49,644$39,681$31,442$24,723$19,312$5,343
22 years$46,887$37,041$28,979$22,479$17,310$4,440
23 years$44,374$34,644$26,757$20,472$15,539$3,691
24 years$42,074$32,459$24,745$18,671$13,966$3,071
25 years$39,961$30,461$22,919$17,052$12,568$2,556
26 years$38,014$28,628$21,256$15,591$11,320$2,128
27 years$36,214$26,943$19,738$14,271$10,206$1,772
28 years$34,546$25,388$18,349$13,075$9,209$1,476
29 years$32,996$23,951$17,076$11,990$8,316$1,230
30 years$31,551$22,619$15,905$11,004$7,514$1,025
31 years$30,203$21,382$14,828$10,106$6,793$854
32 years$28,941$20,232$13,835$9,288$6,145$712
33 years$27,758$19,160$12,918$8,541$5,561$593
34 years$26,647$18,159$12,070$7,859$5,035$495
35 years$25,602$17,224$11,284$7,234$4,560$412
36 years$24,618$16,348$10,556$6,663$4,132$344
37 years$23,688$15,527$9,880$6,139$3,745$287
38 years$22,810$14,756$9,252$5,658$3,395$239
39 years$21,979$14,031$8,669$5,217$3,079$199
40 years$21,191$13,350$8,125$4,812$2,793$166
41 years$20,444$12,708$7,619$4,440$2,534$139
42 years$19,734$12,102$7,147$4,097$2,299$116
43 years$19,059$11,531$6,706$3,782$2,086$96
44 years$18,416$10,992$6,295$3,492$1,894$80
45 years$17,804$10,482$5,911$3,225$1,719$67
46 years$17,220$9,999$5,551$2,979$1,561$56
47 years$16,663$9,542$5,216$2,752$1,417$47
48 years$16,130$9,109$4,901$2,543$1,287$39
49 years$15,621$8,699$4,607$2,351$1,169$32
50 years$15,133$8,309$4,331$2,173$1,062$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $15,500,000, adding $4,253 every year, while hoping to spend $21,117 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: 46/32/22 Blend
29$15,500,000$15,500,000$15,500,000$15,500,000
30$17,085,387$16,263,887$16,023,637$17,763,373
31$18,805,628$17,038,349$16,537,960$19,014,190
32$20,700,626$17,850,052$17,068,806$20,368,023
33$22,788,184$18,700,799$17,616,705$21,836,453
34$25,087,919$19,592,479$18,182,205$23,430,185
35$27,621,451$20,527,074$18,765,873$25,160,971
36$30,412,602$21,506,664$19,368,293$27,041,718
37$33,487,624$22,533,426$19,990,067$29,086,602
38$36,875,445$23,609,648$20,631,818$31,311,197
39$40,607,945$24,737,725$21,294,189$33,732,614
40$44,720,253$25,920,171$21,977,841$36,369,654
41$49,251,081$27,159,622$22,683,461$39,242,982
42$54,243,088$28,458,840$23,411,754$42,375,311
43$59,743,284$29,820,724$24,163,449$45,791,610
44$65,803,473$31,248,314$24,939,298$49,519,332
45$72,480,743$32,744,797$25,740,080$53,588,660
46$79,838,001$34,313,514$26,566,595$58,032,790
47$87,944,573$35,957,972$27,419,672$62,888,228
48$96,876,852$37,681,846$28,300,164$68,195,128
49$106,719,025$39,488,990$29,208,953$73,997,660
50$117,563,863$41,383,448$30,146,950$80,344,415
51$129,513,598$43,369,458$31,115,095$87,288,855
52$142,680,890$45,451,466$32,114,355$94,889,802
53$157,189,889$47,634,136$33,145,734$103,211,981
54$173,177,405$49,922,356$34,210,264$112,326,623
55$190,794,204$52,321,255$35,309,011$122,312,116
56$210,206,426$54,836,210$36,443,076$133,254,736
57$231,597,158$57,472,860$37,613,595$145,249,445
58$255,168,159$60,237,122$38,821,742$158,400,772
59$281,141,768$63,135,197$40,068,727$172,823,781
60$309,762,997$66,173,591$41,355,799$188,645,142
61$341,301,853$69,359,127$42,684,248$206,004,311
62$376,055,877$72,698,960$44,055,405$225,054,821
63$414,352,961$76,200,593$45,470,645$245,965,720
64$456,554,438$79,871,897$46,931,387$268,923,138
65$503,058,496$83,721,125$48,439,094$294,132,029
66$554,303,936$87,756,933$49,995,277$321,818,079
67$610,774,315$91,988,401$51,601,497$352,229,816
68$673,002,512$96,425,049$53,259,363$385,640,928
69$741,575,755$101,076,864$54,970,539$422,352,823
70$817,141,169$105,954,317$56,736,739$462,697,448
71$900,411,882$111,068,393$58,559,734$507,040,392
72$992,173,762$116,430,611$60,441,352$555,784,308
73$1,093,292,829$122,053,055$62,383,481$609,372,686
74$1,204,723,437$127,948,394$64,388,067$668,294,002
75$1,327,517,281$134,129,919$66,457,121$733,086,301
76$1,462,833,327$140,611,569$68,592,718$804,342,235
77$1,611,948,753$147,407,961$70,797,000$882,714,628
78$1,776,271,004$154,534,430$73,072,178$968,922,590
79$1,957,351,084$162,007,055$75,420,534$1,063,758,273
80$2,156,898,197$169,842,702$77,844,424$1,168,094,305
81$2,376,795,880$178,059,061$80,346,279$1,282,891,979
82$2,619,119,789$186,674,685$82,928,609$1,409,210,285
83$2,886,157,295$195,709,033$85,594,005$1,548,215,860
84$3,180,429,077$205,182,513$88,345,142$1,701,193,943
85$3,504,712,918$215,116,531$91,184,779$1,869,560,464
86$3,862,069,933$225,533,539$94,115,767$2,054,875,346
87$4,255,873,467$236,457,083$97,141,046$2,258,857,179
88$4,689,840,942$247,911,861$100,263,652$2,483,399,380
89$5,168,068,954$259,923,778$103,486,720$2,730,588,003
90$5,695,071,946$272,520,002$106,813,484$3,002,721,366
91$6,275,824,832$285,729,030$110,247,283$3,302,331,677
92$6,915,809,963$299,580,750$113,791,565$3,632,208,866
93$7,621,068,883$314,106,510$117,449,886$3,995,426,846
94$8,398,259,371$329,339,192$121,225,920$4,395,372,450
95$9,254,718,295$345,313,281$125,123,456$4,835,777,323
96$10,198,530,879$362,064,948$129,146,409$5,320,753,057
97$11,238,607,032$379,632,135$133,298,818$5,854,829,918
98$12,384,765,472$398,054,632$137,584,851$6,442,999,518
99$13,647,826,420$417,374,178$142,008,813$7,090,761,830
100$15,039,713,752$437,634,551$146,575,146$7,804,177,014