Can I retire at age 30 with 19,000,000?

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 $19,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$1,569,002$1,555,026$1,541,391$1,528,082$1,515,087$1,498,018
2 years$776,734$762,268$748,248$734,655$721,470$704,287
3 years$512,679$498,150$484,166$470,701$457,730$440,966
4 years$380,677$366,193$352,349$339,113$326,457$310,241
5 years$301,497$287,100$273,437$260,471$248,167$232,547
6 years$248,727$234,439$220,978$208,301$196,366$181,360
7 years$211,050$196,881$183,634$171,256$159,698$145,313
8 years$182,804$168,764$155,736$143,662$132,485$118,719
9 years$160,847$146,939$134,135$122,368$111,572$98,420
10 years$143,292$129,520$116,942$105,483$95,065$82,519
11 years$128,937$115,304$102,954$91,802$81,759$69,808
12 years$116,984$103,490$91,369$80,522$70,850$59,482
13 years$106,878$93,525$81,632$71,089$61,783$50,983
14 years$98,223$85,012$73,347$63,105$54,159$43,911
15 years$90,728$77,660$66,222$56,279$47,686$37,975
16 years$84,177$71,251$60,040$50,391$42,145$32,955
17 years$78,403$65,620$54,634$45,276$37,368$28,681
18 years$73,276$60,636$49,874$40,803$33,226$25,024
19 years$68,694$56,197$45,657$36,869$29,615$21,880
20 years$64,575$52,221$41,902$33,392$26,453$19,166
21 years$60,853$48,641$38,542$30,305$23,672$16,815
22 years$57,475$45,405$35,522$27,554$21,219$14,773
23 years$54,394$42,466$32,798$25,094$19,047$12,995
24 years$51,575$39,788$30,333$22,888$17,120$11,442
25 years$48,985$37,339$28,094$20,902$15,406$10,084
26 years$46,598$35,093$26,056$19,112$13,877$8,895
27 years$44,392$33,026$24,195$17,494$12,511$7,851
28 years$42,347$31,121$22,493$16,028$11,289$6,934
29 years$40,446$29,359$20,931$14,698$10,194$6,128
30 years$38,676$27,726$19,497$13,489$9,211$5,417
31 years$37,023$26,211$18,176$12,389$8,327$4,792
32 years$35,476$24,800$16,959$11,385$7,533$4,240
33 years$34,026$23,486$15,835$10,470$6,817$3,752
34 years$32,665$22,260$14,795$9,633$6,172$3,322
35 years$31,384$21,113$13,832$8,868$5,590$2,942
36 years$30,176$20,039$12,940$8,167$5,065$2,606
37 years$29,037$19,033$12,111$7,525$4,591$2,309
38 years$27,961$18,088$11,342$6,936$4,162$2,046
39 years$26,942$17,200$10,626$6,395$3,774$1,813
40 years$25,976$16,364$9,960$5,899$3,423$1,607
41 years$25,060$15,577$9,339$5,442$3,106$1,425
42 years$24,190$14,835$8,760$5,023$2,818$1,263
43 years$23,362$14,135$8,220$4,636$2,558$1,120
44 years$22,575$13,474$7,716$4,281$2,321$993
45 years$21,824$12,848$7,245$3,954$2,107$881
46 years$21,108$12,257$6,805$3,652$1,913$781
47 years$20,425$11,697$6,393$3,374$1,738$693
48 years$19,772$11,166$6,008$3,118$1,578$614
49 years$19,148$10,663$5,647$2,881$1,433$545
50 years$18,551$10,186$5,309$2,663$1,302$483

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $19,000,000, adding $5,116 every year, while hoping to spend $46,277 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: 54/41/5 Blend
29$19,000,000$19,000,000$19,000,000$19,000,000
30$20,943,277$19,936,277$19,641,777$22,051,902
31$23,030,253$20,863,916$20,250,538$23,728,435
32$25,328,549$21,835,459$20,878,142$25,546,507
33$27,859,672$22,853,007$21,525,170$27,523,923
34$30,647,319$23,918,765$22,192,224$29,675,764
35$33,717,604$25,035,043$22,879,922$32,018,597
36$37,099,302$26,204,262$23,588,902$34,570,619
37$40,824,122$27,428,962$24,319,821$37,351,825
38$44,927,006$28,711,804$25,073,358$40,384,189
39$49,446,456$30,055,579$25,850,212$43,691,860
40$54,424,903$31,463,210$26,651,102$47,301,381
41$59,909,101$32,937,765$27,476,771$51,241,933
42$65,950,572$34,482,458$28,327,986$55,545,598
43$72,606,091$36,100,660$29,205,535$60,247,651
44$79,938,223$37,795,903$30,110,231$65,386,887
45$88,015,912$39,571,892$31,042,913$71,005,967
46$96,915,130$41,432,510$32,004,446$77,151,819
47$106,719,599$43,381,829$32,995,721$83,876,058
48$117,521,576$45,424,116$34,017,655$91,235,470
49$129,422,727$47,563,848$35,071,197$99,292,528
50$142,535,085$49,805,716$36,157,322$108,115,969
51$156,982,107$52,154,640$37,277,036$117,781,428
52$172,899,841$54,615,777$38,431,376$128,372,136
53$190,438,210$57,194,535$39,621,412$139,979,690
54$209,762,424$59,896,584$40,848,245$152,704,899
55$231,054,542$62,727,867$42,113,013$166,658,720
56$254,515,191$65,694,619$43,416,885$181,963,282
57$280,365,459$68,803,373$44,761,068$198,753,023
58$308,848,980$72,060,983$46,146,809$217,175,937
59$340,234,237$75,474,632$47,575,388$237,394,949
60$374,817,094$79,051,854$49,048,128$259,589,431
61$412,923,590$82,800,547$50,566,393$283,956,869
62$454,913,016$86,728,993$52,131,586$310,714,706
63$501,181,306$90,845,877$53,745,157$340,102,364
64$552,164,778$95,160,304$55,408,599$372,383,480
65$608,344,248$99,681,821$57,123,449$407,848,365
66$670,249,571$104,420,440$58,891,295$446,816,713
67$738,464,646$109,386,660$60,713,772$489,640,590
68$813,632,920$114,591,487$62,592,564$536,707,722
69$896,463,473$120,046,465$64,529,409$588,445,120
70$987,737,702$125,763,696$66,526,099$645,323,079
71$1,088,316,703$131,755,873$68,584,479$707,859,572
72$1,199,149,399$138,036,303$70,706,452$776,625,109
73$1,321,281,499$144,618,943$72,893,979$852,248,072
74$1,455,865,368$151,518,427$75,149,083$935,420,610
75$1,604,170,905$158,750,100$77,473,847$1,026,905,124
76$1,767,597,536$166,330,053$79,870,420$1,127,541,415
77$1,947,687,421$174,275,162$82,341,015$1,238,254,565
78$2,146,140,015$182,603,122$84,887,916$1,360,063,615
79$2,364,828,111$191,332,489$87,513,475$1,494,091,128
80$2,605,815,519$200,482,723$90,220,118$1,641,573,733
81$2,871,376,554$210,074,228$93,010,344$1,803,873,733
82$3,164,017,502$220,128,404$95,886,729$1,982,491,908
83$3,486,500,283$230,667,692$98,851,931$2,179,081,611
84$3,841,868,527$241,715,624$101,908,686$2,395,464,306
85$4,233,476,307$253,296,880$105,059,817$2,633,646,697
86$4,665,019,802$265,437,338$108,308,232$2,895,839,588
87$5,140,572,193$278,164,140$111,656,930$3,184,478,676
88$5,664,622,121$291,505,746$115,109,001$3,502,247,461
89$6,242,116,055$305,492,006$118,667,630$3,852,102,492
90$6,878,504,999$320,154,220$122,336,102$4,237,301,184
91$7,579,795,947$335,525,216$126,117,800$4,661,432,476
92$8,352,608,601$351,639,419$130,016,214$5,128,450,604
93$9,204,237,860$368,532,932$134,034,938$5,642,712,332
94$10,142,722,693$386,243,617$138,177,680$6,209,017,967
95$11,176,922,036$404,811,182$142,448,260$6,832,656,559
96$12,316,598,422$424,277,268$146,850,616$7,519,455,712
97$13,572,510,156$444,685,549$151,388,806$8,275,836,469
98$14,956,512,875$466,081,824$156,067,014$9,108,873,801
99$16,481,671,482$488,514,128$160,889,553$10,026,363,251
100$18,162,383,488$512,032,834$165,860,868$11,036,894,386