Can I retire at age 30 with 19,100,000?

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 $19,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$1,577,260$1,563,211$1,549,504$1,536,125$1,523,061$1,462,054
2 years$780,822$766,280$752,186$738,521$725,267$664,570
3 years$515,377$500,772$486,714$473,178$460,139$401,663
4 years$382,681$368,121$354,203$340,898$328,175$272,365
5 years$303,084$288,611$274,876$261,842$249,474$196,470
6 years$250,036$235,673$222,141$209,397$197,400$147,237
7 years$212,160$197,918$184,600$172,157$160,539$113,198
8 years$183,766$169,652$156,556$144,418$133,183$88,614
9 years$161,694$147,712$134,841$123,012$112,159$70,295
10 years$144,046$130,201$117,558$106,038$95,565$56,322
11 years$129,616$115,911$103,496$92,285$82,189$45,475
12 years$117,600$104,035$91,850$80,946$71,223$36,939
13 years$107,440$94,017$82,062$71,463$62,108$30,148
14 years$98,740$85,459$73,733$63,437$54,444$24,699
15 years$91,206$78,068$66,571$56,575$47,936$20,296
16 years$84,620$71,626$60,356$50,657$42,366$16,720
17 years$78,815$65,965$54,922$45,515$37,565$13,802
18 years$73,661$60,955$50,137$41,018$33,401$11,412
19 years$69,055$56,492$45,898$37,063$29,771$9,448
20 years$64,915$52,495$42,123$33,568$26,592$7,832
21 years$61,174$48,897$38,745$30,465$23,797$6,497
22 years$57,777$45,644$35,709$27,700$21,331$5,394
23 years$54,681$42,690$32,971$25,226$19,148$4,482
24 years$51,846$39,998$30,493$23,008$17,210$3,725
25 years$49,243$37,536$28,242$21,012$15,487$3,098
26 years$46,843$35,278$26,193$19,213$13,950$2,577
27 years$44,626$33,200$24,323$17,586$12,577$2,144
28 years$42,570$31,284$22,611$16,112$11,348$1,785
29 years$40,659$29,513$21,042$14,775$10,247$1,486
30 years$38,879$27,872$19,600$13,560$9,259$1,237
31 years$37,218$26,348$18,272$12,454$8,371$1,030
32 years$35,663$24,931$17,048$11,445$7,572$858
33 years$34,205$23,610$15,918$10,525$6,853$715
34 years$32,836$22,377$14,873$9,684$6,205$595
35 years$31,549$21,224$13,905$8,915$5,620$496
36 years$30,335$20,145$13,008$8,210$5,092$413
37 years$29,190$19,133$12,175$7,564$4,615$344
38 years$28,108$18,183$11,401$6,972$4,184$287
39 years$27,083$17,290$10,682$6,429$3,794$239
40 years$26,113$16,450$10,012$5,930$3,441$199
41 years$25,192$15,659$9,388$5,471$3,122$166
42 years$24,317$14,913$8,806$5,049$2,833$138
43 years$23,485$14,209$8,264$4,661$2,571$115
44 years$22,694$13,545$7,757$4,303$2,334$96
45 years$21,939$12,916$7,283$3,974$2,119$80
46 years$21,220$12,321$6,841$3,671$1,924$67
47 years$20,533$11,758$6,427$3,392$1,747$56
48 years$19,876$11,225$6,039$3,134$1,586$46
49 years$19,249$10,719$5,677$2,896$1,441$39
50 years$18,648$10,239$5,337$2,677$1,309$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $19,100,000, adding $6,744 every year, while hoping to spend $46,804 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: 45/35/20 Blend
29$19,100,000$19,100,000$19,100,000$19,100,000
30$21,055,156$20,042,856$19,746,806$21,881,166
31$23,152,983$20,975,157$20,358,525$23,394,174
32$25,463,220$21,951,572$20,989,168$25,028,774
33$28,007,482$22,974,213$21,639,319$26,800,436
34$30,809,591$24,045,295$22,309,582$28,721,909
35$33,895,792$25,167,138$23,000,576$30,807,190
36$37,295,011$26,342,175$23,712,943$33,071,647
37$41,039,118$27,572,958$24,447,343$35,532,160
38$45,163,234$28,862,159$25,204,455$38,207,266
39$49,706,061$30,212,582$25,984,981$41,117,333
40$54,710,246$31,627,165$26,789,645$44,284,736
41$60,222,785$33,108,990$27,619,191$47,734,068
42$66,295,463$34,661,284$28,474,388$51,492,352
43$72,985,348$36,287,435$29,356,028$55,589,296
44$80,355,325$37,990,991$30,264,926$60,057,556
45$88,474,692$39,775,673$31,201,926$64,933,038
46$97,419,813$41,645,384$32,167,892$70,255,222
47$107,274,838$43,604,212$33,163,721$76,067,525
48$118,132,500$45,656,446$34,190,334$82,417,698
49$130,094,985$47,806,582$35,248,681$89,358,262
50$143,274,902$50,059,334$36,339,740$96,946,994
51$157,796,343$52,419,642$37,464,523$105,247,454
52$173,796,054$54,892,689$38,624,068$114,329,571
53$191,424,727$57,483,906$39,819,450$124,270,291
54$210,848,422$60,198,989$41,051,773$135,154,281
55$232,250,131$63,043,910$42,322,178$147,074,718
56$255,831,513$66,024,931$43,631,840$160,134,144
57$281,814,790$69,148,615$44,981,969$174,445,421
58$310,444,847$72,421,846$46,373,814$190,132,772
59$341,991,546$75,851,841$47,808,661$207,332,939
60$376,752,271$79,446,168$49,287,838$226,196,446
61$415,054,733$83,212,760$50,812,711$246,889,002
62$457,260,069$87,159,939$52,384,690$269,593,040
63$503,766,246$91,296,426$54,005,227$294,509,415
64$555,011,821$95,631,369$55,675,821$321,859,277
65$611,480,080$100,174,359$57,398,014$351,886,127
66$673,703,598$104,935,453$59,173,397$384,858,091
67$742,269,270$109,925,195$61,003,611$421,070,422
68$817,823,850$115,154,644$62,890,347$460,848,252
69$901,080,056$120,635,394$64,835,346$504,549,638
70$992,823,296$126,379,603$66,840,405$552,568,899
71$1,093,919,089$132,400,021$68,907,375$605,340,308
72$1,205,321,229$138,710,015$71,038,165$663,342,156
73$1,328,080,793$145,323,604$73,234,742$727,101,226
74$1,463,356,062$152,255,488$75,499,134$797,197,725
75$1,612,423,455$159,521,082$77,833,430$874,270,723
76$1,776,689,582$167,136,550$80,239,784$959,024,136
77$1,957,704,521$175,118,842$82,720,418$1,052,233,331
78$2,157,176,450$183,485,734$85,277,621$1,154,752,395
79$2,376,987,777$192,255,864$87,913,750$1,267,522,143
80$2,619,212,909$201,448,779$90,631,239$1,391,578,955
81$2,886,137,834$211,084,978$93,432,594$1,528,064,495
82$3,180,281,705$221,185,954$96,320,398$1,678,236,439
83$3,504,420,622$231,774,249$99,297,315$1,843,480,282
84$3,861,613,840$242,873,501$102,366,089$2,025,322,353
85$4,255,232,648$254,508,500$105,529,550$2,225,444,164
86$4,688,992,202$266,705,240$108,790,614$2,445,698,206
87$5,166,986,595$279,490,985$112,152,287$2,688,125,371
88$5,693,727,506$292,894,322$115,617,667$2,954,974,140
89$6,274,186,802$306,945,233$119,189,949$3,248,721,728
90$6,913,843,467$321,675,161$122,872,423$3,572,097,390
91$7,618,735,334$337,117,078$126,668,483$3,928,108,094
92$8,395,516,087$353,305,563$130,581,626$4,320,066,822
93$9,251,518,074$370,276,881$134,615,457$4,751,623,745
94$10,194,821,532$388,069,064$138,773,689$5,226,800,585
95$11,234,330,875$406,721,994$143,060,155$5,750,028,476
96$12,379,858,753$426,277,501$147,478,799$6,326,189,686
97$13,642,218,699$446,779,451$152,033,691$6,960,663,591
98$15,033,327,210$468,273,849$156,729,024$7,659,377,343
99$16,566,316,260$490,808,941$161,569,120$8,428,861,693
100$18,255,657,267$514,435,328$166,558,434$9,276,312,519