Can I retire at age 30 with 9,000,000?

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 $9,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$743,212$736,591$730,133$723,828$717,673$712,851
2 years$367,927$361,074$354,433$347,994$341,749$336,886
3 years$242,848$235,966$229,342$222,963$216,820$212,066
4 years$180,321$173,460$166,902$160,633$154,638$150,030
5 years$142,814$135,995$129,523$123,381$117,553$113,105
6 years$117,818$111,050$104,674$98,669$93,016$88,733
7 years$99,971$93,260$86,984$81,121$75,647$71,532
8 years$86,591$79,941$73,770$68,051$62,756$58,809
9 years$76,191$69,603$63,538$57,964$52,850$49,069
10 years$67,875$61,351$55,394$49,966$45,031$41,414
11 years$61,076$54,618$48,768$43,485$38,728$35,273
12 years$55,414$49,022$43,280$38,142$33,561$30,265
13 years$50,626$44,301$38,668$33,674$29,266$26,125
14 years$46,527$40,269$34,743$29,892$25,654$22,665
15 years$42,977$36,786$31,369$26,658$22,588$19,747
16 years$39,873$33,751$28,440$23,870$19,963$17,266
17 years$37,138$31,083$25,879$21,447$17,701$15,142
18 years$34,710$28,722$23,625$19,328$15,739$13,315
19 years$32,539$26,619$21,627$17,464$14,028$11,735
20 years$30,588$24,736$19,848$15,817$12,530$10,362
21 years$28,825$23,041$18,257$14,355$11,213$9,166
22 years$27,225$21,508$16,826$13,052$10,051$8,119
23 years$25,766$20,116$15,536$11,887$9,022$7,202
24 years$24,430$18,847$14,368$10,841$8,110$6,395
25 years$23,203$17,687$13,308$9,901$7,297$5,685
26 years$22,073$16,623$12,342$9,053$6,573$5,058
27 years$21,028$15,644$11,461$8,286$5,926$4,504
28 years$20,059$14,741$10,654$7,592$5,347$4,013
29 years$19,159$13,907$9,915$6,962$4,829$3,578
30 years$18,320$13,133$9,235$6,390$4,363$3,191
31 years$17,537$12,416$8,610$5,868$3,944$2,848
32 years$16,804$11,748$8,033$5,393$3,568$2,543
33 years$16,118$11,125$7,501$4,959$3,229$2,271
34 years$15,473$10,544$7,008$4,563$2,924$2,030
35 years$14,866$10,001$6,552$4,201$2,648$1,814
36 years$14,294$9,492$6,129$3,869$2,399$1,622
37 years$13,754$9,016$5,737$3,564$2,175$1,450
38 years$13,244$8,568$5,372$3,285$1,971$1,297
39 years$12,762$8,147$5,033$3,029$1,788$1,160
40 years$12,304$7,752$4,718$2,794$1,622$1,038
41 years$11,870$7,379$4,424$2,578$1,471$929
42 years$11,458$7,027$4,150$2,379$1,335$832
43 years$11,066$6,696$3,894$2,196$1,211$744
44 years$10,693$6,382$3,655$2,028$1,100$666
45 years$10,338$6,086$3,432$1,873$998$597
46 years$9,999$5,806$3,223$1,730$906$534
47 years$9,675$5,541$3,028$1,598$823$478
48 years$9,366$5,289$2,846$1,477$747$428
49 years$9,070$5,051$2,675$1,365$679$384
50 years$8,787$4,825$2,515$1,262$617$344

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $9,000,000, adding $3,961 every year, while hoping to spend $52,488 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: 50/30/20 Blend
29$9,000,000$9,000,000$9,000,000$9,000,000
30$9,922,086$9,445,086$9,305,586$10,362,607
31$10,878,292$9,852,048$9,561,476$11,074,779
32$11,930,271$10,277,193$9,824,180$11,842,641
33$13,087,739$10,721,354$10,093,869$12,676,059
34$14,361,396$11,185,408$10,370,721$13,581,243
35$15,763,035$11,670,270$10,654,917$14,565,015
36$17,305,650$12,176,899$10,946,642$15,634,876
37$19,003,557$12,706,298$11,246,086$16,799,068
38$20,872,532$13,259,519$11,553,442$18,066,656
39$22,929,957$13,837,662$11,868,909$19,447,604
40$25,194,985$14,441,879$12,192,689$20,952,870
41$27,688,719$15,073,378$12,524,991$22,594,506
42$30,434,416$15,733,421$12,866,026$24,385,766
43$33,457,700$16,423,331$13,216,011$26,341,231
44$36,786,806$17,144,495$13,575,168$28,476,941
45$40,452,848$17,898,364$13,943,724$30,810,544
46$44,490,111$18,686,456$14,321,911$33,361,456
47$48,936,373$19,510,363$14,709,966$36,151,044
48$53,833,265$20,371,753$15,108,131$39,202,821
49$59,226,659$21,272,370$15,516,655$42,542,663
50$65,167,105$22,214,043$15,935,790$46,199,051
51$71,710,306$23,198,686$16,365,794$50,203,333
52$78,917,641$24,228,306$16,806,933$54,590,017
53$86,856,751$25,305,004$17,259,475$59,397,088
54$95,602,170$26,430,979$17,723,698$64,666,364
55$105,236,031$27,608,537$18,199,881$70,443,886
56$115,848,843$28,840,092$18,688,314$76,780,343
57$127,540,342$30,128,173$19,189,290$83,731,547
58$140,420,433$31,475,431$19,703,108$91,358,950
59$154,610,230$32,884,639$20,230,074$99,730,225
60$170,243,194$34,358,707$20,770,502$108,919,887
61$187,466,396$35,900,680$21,324,710$119,009,998
62$206,441,903$37,513,748$21,893,023$130,090,928
63$227,348,312$39,201,256$22,475,774$142,262,206
64$250,382,428$40,966,707$23,073,301$155,633,444
65$275,761,129$42,813,768$23,685,950$170,325,367
66$303,723,408$44,746,286$24,314,072$186,470,944
67$334,532,630$46,768,289$24,958,028$204,216,633
68$368,479,020$48,883,997$25,618,184$223,723,750
69$405,882,400$51,097,832$26,294,913$245,169,988
70$447,095,208$53,414,429$26,988,596$268,751,076
71$492,505,825$55,838,643$27,699,620$294,682,622
72$542,542,244$58,375,560$28,428,382$323,202,132
73$597,676,102$61,030,513$29,175,282$354,571,240
74$658,427,143$63,809,086$29,940,732$389,078,168
75$725,368,114$66,717,134$30,725,150$427,040,428
76$799,130,179$69,760,791$31,528,959$468,807,810
77$880,408,871$72,946,484$32,352,594$514,765,667
78$969,970,664$76,280,949$33,196,493$565,338,535
79$1,068,660,202$79,771,246$34,061,106$620,994,130
80$1,177,408,278$83,424,772$34,946,889$682,247,740
81$1,297,240,617$87,249,281$35,854,304$749,667,076
82$1,429,287,560$91,252,896$36,783,823$823,877,612
83$1,574,794,736$95,444,132$37,735,926$905,568,467
84$1,735,134,819$99,831,915$38,711,100$995,498,895
85$1,911,820,488$104,425,596$39,709,839$1,094,505,429
86$2,106,518,705$109,234,977$40,732,646$1,203,509,753
87$2,321,066,455$114,270,333$41,780,031$1,323,527,386
88$2,557,488,085$119,542,431$42,852,514$1,455,677,238
89$2,818,014,417$125,062,557$43,950,620$1,601,192,155
90$3,105,103,804$130,842,539$45,074,882$1,761,430,522
91$3,421,465,344$136,894,776$46,225,843$1,937,889,067
92$3,770,084,451$143,232,262$47,404,051$2,132,216,956
93$4,154,251,041$149,868,618$48,610,062$2,346,231,336
94$4,577,590,589$156,818,123$49,844,441$2,581,934,454
95$5,044,098,358$164,095,740$51,107,759$2,841,532,527
96$5,558,177,116$171,717,156$52,400,595$3,127,456,539
97$6,124,678,700$179,698,815$53,723,533$3,442,385,147
98$6,748,949,823$188,057,952$55,077,166$3,789,269,938
99$7,436,882,547$196,812,635$56,462,094$4,171,363,250
100$8,194,969,915$205,981,802$57,878,922$4,592,248,834