Can I retire at age 30 with 17,700,000?

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 $17,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$1,461,649$1,448,630$1,435,927$1,423,529$1,411,423$1,384,625
2 years$723,589$710,113$697,052$684,389$672,106$645,212
3 years$477,601$464,066$451,039$438,495$426,412$400,260
4 years$354,631$341,138$328,241$315,911$304,120$278,912
5 years$280,868$267,456$254,728$242,650$231,188$206,995
6 years$231,709$218,398$205,858$194,049$182,931$159,780
7 years$196,609$183,410$171,069$159,538$148,772$126,670
8 years$170,296$157,217$145,080$133,833$123,420$102,361
9 years$149,842$136,885$124,958$113,996$103,938$83,907
10 years$133,487$120,658$108,941$98,265$88,560$69,540
11 years$120,115$107,415$95,910$85,520$76,165$58,133
12 years$108,980$96,409$85,118$75,013$66,003$48,934
13 years$99,565$87,126$76,047$66,225$57,556$41,423
14 years$91,502$79,195$68,328$58,787$50,453$35,226
15 years$84,521$72,346$61,691$52,428$44,423$30,071
16 years$78,418$66,376$55,932$46,944$39,261$25,752
17 years$73,038$61,130$50,896$42,178$34,812$22,112
18 years$68,262$56,487$46,462$38,011$30,953$19,030
19 years$63,994$52,351$42,533$34,346$27,589$16,409
20 years$60,157$48,648$39,035$31,107$24,643$14,172
21 years$56,690$45,313$35,905$28,232$22,053$12,257
22 years$53,542$42,298$33,092$25,669$19,767$10,613
23 years$50,673$39,561$30,554$23,377$17,744$9,200
24 years$48,046$37,066$28,258$21,322$15,949$7,981
25 years$45,633$34,784$26,172$19,472$14,351$6,930
26 years$43,410$32,692$24,273$17,804$12,927$6,020
27 years$41,355$30,767$22,540$16,297$11,655$5,234
28 years$39,449$28,991$20,954$14,931$10,517$4,552
29 years$37,679$27,350$19,499$13,692$9,496$3,961
30 years$36,030$25,829$18,163$12,566$8,580$3,447
31 years$34,490$24,417$16,933$11,541$7,757$3,002
32 years$33,049$23,104$15,799$10,606$7,017$2,614
33 years$31,698$21,879$14,751$9,753$6,351$2,277
34 years$30,430$20,737$13,783$8,974$5,750$1,984
35 years$29,236$19,669$12,886$8,261$5,208$1,730
36 years$28,112$18,668$12,054$7,608$4,718$1,508
37 years$27,050$17,731$11,283$7,010$4,277$1,314
38 years$26,047$16,850$10,566$6,461$3,877$1,146
39 years$25,098$16,023$9,899$5,958$3,516$999
40 years$24,199$15,245$9,278$5,495$3,189$871
41 years$23,345$14,511$8,700$5,070$2,893$760
42 years$22,535$13,820$8,161$4,679$2,625$663
43 years$21,764$13,168$7,658$4,319$2,383$578
44 years$21,030$12,552$7,188$3,988$2,163$504
45 years$20,331$11,969$6,750$3,683$1,963$440
46 years$19,664$11,418$6,339$3,402$1,783$384
47 years$19,028$10,896$5,956$3,143$1,619$335
48 years$18,419$10,402$5,597$2,904$1,470$292
49 years$17,838$9,933$5,261$2,684$1,335$255
50 years$17,281$9,489$4,946$2,481$1,213$222

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $17,700,000, adding $3,270 every year, while hoping to spend $34,046 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: 70/11/19 Blend
29$17,700,000$17,700,000$17,700,000$17,700,000
30$19,508,773$18,570,673$18,296,323$20,784,414
31$21,462,443$19,444,411$18,873,025$22,508,833
32$23,614,247$20,359,822$19,467,906$24,391,272
33$25,984,357$21,318,910$20,081,538$26,450,838
34$28,595,005$22,323,780$20,714,512$28,705,039
35$31,470,686$23,376,636$21,367,439$31,173,144
36$34,638,395$24,479,790$22,040,948$33,876,369
37$38,127,877$25,635,666$22,735,686$36,838,066
38$41,971,913$26,846,806$23,452,323$40,083,945
39$46,206,622$28,115,874$24,191,551$43,642,314
40$50,871,810$29,445,663$24,954,079$47,544,339
41$56,011,338$30,839,104$25,740,644$51,824,340
42$61,673,542$32,299,268$26,552,003$56,520,104
43$67,911,685$33,829,375$27,388,938$61,673,245
44$74,784,464$35,432,801$28,252,254$67,329,589
45$82,356,559$37,113,087$29,142,784$73,539,601
46$90,699,245$38,873,946$30,061,385$80,358,863
47$99,891,069$40,719,270$31,008,942$87,848,586
48$110,018,584$42,653,141$31,986,368$96,076,189
49$121,177,173$44,679,838$32,994,604$105,115,928
50$133,471,944$46,803,849$34,034,623$115,049,592
51$147,018,724$49,029,879$35,107,424$125,967,272
52$161,945,154$51,362,864$36,214,043$137,968,201
53$178,391,892$53,807,976$37,355,545$151,161,689
54$196,513,939$56,370,640$38,533,030$165,668,146
55$216,482,106$59,056,547$39,747,632$181,620,216
56$238,484,624$61,871,661$41,000,521$199,164,018
57$262,728,921$64,822,238$42,292,904$218,460,521
58$289,443,581$67,914,838$43,626,026$239,687,056
59$318,880,500$71,156,339$45,001,172$263,038,981
60$351,317,266$74,553,954$46,419,666$288,731,522
61$387,059,776$78,115,247$47,882,874$317,001,788
62$426,445,129$81,848,150$49,392,207$348,111,010
63$469,844,804$85,760,982$50,949,117$382,346,992
64$517,668,168$89,862,463$52,555,106$420,026,820
65$570,366,339$94,161,742$54,211,720$461,499,848
66$628,436,448$98,668,409$55,920,555$507,150,983
67$692,426,330$103,392,525$57,683,258$557,404,307
68$762,939,694$108,344,638$59,501,526$612,727,075
69$840,641,827$113,535,809$61,377,111$673,634,107
70$926,265,869$118,977,640$63,311,820$740,692,644
71$1,020,619,739$124,682,295$65,307,517$814,527,682
72$1,124,593,758$130,662,534$67,366,125$895,827,867
73$1,239,169,058$136,931,734$69,489,626$985,351,976
74$1,365,426,840$143,503,927$71,680,067$1,083,936,069
75$1,504,558,586$150,393,828$73,939,557$1,192,501,369
76$1,657,877,303$157,616,867$76,270,274$1,312,062,937
77$1,826,829,923$165,189,229$78,674,463$1,443,739,244
78$2,013,010,958$173,127,883$81,154,440$1,588,762,711
79$2,218,177,556$181,450,630$83,712,595$1,748,491,327
80$2,444,266,091$190,176,135$86,351,391$1,924,421,446
81$2,693,410,441$199,323,974$89,073,371$2,118,201,902
82$2,967,962,134$208,914,678$91,881,157$2,331,649,548
83$3,270,512,551$218,969,776$94,777,455$2,566,766,390
84$3,603,917,386$229,511,850$97,765,055$2,825,758,466
85$3,971,323,610$240,564,581$100,846,835$3,111,056,647
86$4,376,199,178$252,152,806$104,025,764$3,425,339,562
87$4,822,365,772$264,302,571$107,304,904$3,771,558,865
88$5,314,034,878$277,041,194$110,687,416$4,152,967,069
89$5,855,847,549$290,397,326$114,176,558$4,573,148,228
90$6,452,918,217$304,401,013$117,775,690$5,036,051,744
91$7,110,882,981$319,083,768$121,488,282$5,546,029,620
92$7,835,952,815$334,478,642$125,317,909$6,107,877,519
93$8,634,972,204$350,620,298$129,268,261$6,726,880,002
94$9,515,483,766$367,545,090$133,343,145$7,408,860,386
95$10,485,799,455$385,291,145$137,546,486$8,160,235,685
96$11,555,079,040$403,898,451$141,882,333$8,988,077,153
97$12,733,416,576$423,408,949$146,354,865$9,900,177,005
98$14,031,935,703$443,866,624$150,968,390$10,905,121,941
99$15,462,894,667$465,317,610$155,727,353$12,012,374,167
100$17,039,802,043$487,810,293$160,636,339$13,232,360,682