Can I retire at age 30 with 10,800,000?

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 $10,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.6%
1 years$891,854$883,910$876,159$868,594$861,207$834,642
2 years$441,512$433,289$425,320$417,593$410,099$383,567
3 years$291,417$283,159$275,210$267,556$260,183$234,517
4 years$216,385$208,152$200,283$192,759$185,565$160,961
5 years$171,377$163,194$155,427$148,057$141,064$117,589
6 years$141,382$133,260$125,608$118,403$111,619$89,293
7 years$119,965$111,911$104,381$97,345$90,776$69,598
8 years$103,910$95,929$88,524$81,661$75,307$55,263
9 years$91,429$83,523$76,245$69,557$63,420$44,488
10 years$81,450$73,622$66,472$59,959$54,037$36,190
11 years$73,291$65,541$58,521$52,182$46,473$29,679
12 years$66,496$58,826$51,936$45,771$40,273$24,497
13 years$60,752$53,162$46,401$40,409$35,119$20,323
14 years$55,832$48,322$41,692$35,870$30,785$16,931
15 years$51,572$44,143$37,642$31,990$27,105$14,153
16 years$47,848$40,501$34,128$28,644$23,956$11,864
17 years$44,566$37,300$31,055$25,736$21,241$9,968
18 years$41,651$34,467$28,349$23,193$18,886$8,391
19 years$39,047$31,943$25,953$20,957$16,834$7,075
20 years$36,706$29,683$23,818$18,981$15,036$5,973
21 years$34,590$27,649$21,908$17,226$13,456$5,048
22 years$32,670$25,809$20,192$15,663$12,061$4,271
23 years$30,919$24,139$18,643$14,264$10,827$3,616
24 years$29,316$22,616$17,242$13,010$9,731$3,063
25 years$27,844$21,224$15,970$11,881$8,757$2,597
26 years$26,487$19,948$14,811$10,864$7,888$2,202
27 years$25,233$18,773$13,753$9,944$7,112$1,869
28 years$24,071$17,690$12,785$9,111$6,417$1,586
29 years$22,991$16,688$11,898$8,355$5,794$1,346
30 years$21,984$15,760$11,082$7,667$5,235$1,143
31 years$21,044$14,899$10,332$7,042$4,733$971
32 years$20,165$14,097$9,640$6,472$4,282$825
33 years$19,341$13,350$9,001$5,951$3,875$701
34 years$18,567$12,653$8,410$5,476$3,508$596
35 years$17,839$12,001$7,863$5,041$3,178$506
36 years$17,153$11,391$7,355$4,642$2,879$430
37 years$16,505$10,819$6,884$4,277$2,609$366
38 years$15,893$10,282$6,447$3,942$2,366$311
39 years$15,314$9,777$6,040$3,635$2,145$264
40 years$14,765$9,302$5,661$3,353$1,946$225
41 years$14,245$8,854$5,309$3,093$1,765$191
42 years$13,750$8,433$4,980$2,855$1,602$162
43 years$13,280$8,035$4,673$2,635$1,454$138
44 years$12,832$7,659$4,386$2,433$1,320$117
45 years$12,405$7,303$4,118$2,247$1,198$100
46 years$11,998$6,967$3,868$2,076$1,088$85
47 years$11,610$6,649$3,634$1,918$988$72
48 years$11,239$6,347$3,415$1,772$897$61
49 years$10,884$6,061$3,210$1,638$815$52
50 years$10,545$5,790$3,018$1,514$740$44

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $10,800,000, adding $4,270 every year, while hoping to spend $43,021 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: 48/26/26 Blend
29$10,800,000$10,800,000$10,800,000$10,800,000
30$11,906,005$11,333,605$11,166,205$12,389,088
31$13,074,643$11,843,177$11,494,498$13,237,981
32$14,361,041$12,376,277$11,832,348$14,154,717
33$15,777,164$12,934,011$12,180,029$15,149,435
34$17,336,197$13,517,540$12,537,822$16,229,504
35$19,052,669$14,128,080$12,906,019$17,403,018
36$20,942,589$14,766,904$13,284,919$18,678,872
37$23,023,598$15,435,346$13,674,828$20,066,844
38$25,315,132$16,134,806$14,076,062$21,577,682
39$27,838,611$16,866,747$14,488,946$23,223,203
40$30,617,637$17,632,705$14,913,813$25,016,401
41$33,678,218$18,434,290$15,351,008$26,971,563
42$37,049,012$19,273,186$15,800,882$29,104,402
43$40,761,599$20,151,159$16,263,799$31,432,204
44$44,850,777$21,070,062$16,740,132$33,973,980
45$49,354,894$22,031,832$17,230,264$36,750,646
46$54,316,205$23,038,504$17,734,590$39,785,215
47$59,781,274$24,092,206$18,253,514$43,103,007
48$65,801,411$25,195,172$18,787,455$46,731,883
49$72,433,160$26,349,740$19,336,839$50,702,507
50$79,738,827$27,558,362$19,902,108$55,048,623
51$87,787,073$28,823,607$20,483,714$59,807,372
52$96,653,559$30,148,168$21,082,123$65,019,637
53$106,421,661$31,534,867$21,697,813$70,730,417
54$117,183,256$32,986,662$22,331,276$76,989,252
55$129,039,592$34,506,652$22,983,017$83,850,678
56$142,102,238$36,098,086$23,653,556$91,374,737
57$156,494,144$37,764,370$24,343,428$99,627,538
58$172,350,795$39,509,072$25,053,181$108,681,867
59$189,821,493$41,335,934$25,783,379$118,617,872
60$209,070,766$43,248,875$26,534,603$129,523,806
61$230,279,921$45,252,006$27,307,449$141,496,856
62$253,648,753$47,349,635$28,102,529$154,644,044
63$279,397,435$49,546,277$28,920,473$169,083,234
64$307,768,593$51,846,663$29,761,928$184,944,231
65$339,029,596$54,255,757$30,627,559$202,369,993
66$373,475,083$56,778,757$31,518,051$221,517,976
67$411,429,740$59,421,115$32,434,104$242,561,602
68$453,251,369$62,188,544$33,376,441$265,691,884
69$499,334,261$65,087,035$34,345,805$291,119,223
70$550,112,922$68,122,867$35,342,956$319,075,371
71$606,066,174$71,302,621$36,368,679$349,815,611
72$667,721,672$74,633,198$37,423,778$383,621,152
73$735,660,889$78,121,831$38,509,080$420,801,763
74$810,524,601$81,776,102$39,625,436$461,698,688
75$893,018,940$85,603,961$40,773,718$506,687,844
76$983,922,058$89,613,741$41,954,824$556,183,357
77$1,084,091,473$93,814,179$43,169,675$610,641,451
78$1,194,472,162$98,214,433$44,419,219$670,564,733
79$1,316,105,488$102,824,106$45,704,428$736,506,924
80$1,450,139,024$107,653,263$47,026,303$809,078,058
81$1,597,837,390$112,712,459$48,385,869$888,950,224
82$1,760,594,191$118,012,756$49,784,183$976,863,885
83$1,939,945,174$123,565,756$51,222,328$1,073,634,843
84$2,137,582,724$129,383,620$52,701,418$1,180,161,921
85$2,355,371,842$135,479,099$54,222,597$1,297,435,415
86$2,595,367,755$141,865,559$55,787,038$1,426,546,420
87$2,859,835,312$148,557,018$57,395,951$1,568,697,097
88$3,151,270,372$155,568,170$59,050,573$1,725,211,998
89$3,472,423,361$162,914,421$60,752,178$1,897,550,533
90$3,826,325,243$170,611,927$62,502,075$2,087,320,718
91$4,216,316,129$178,677,623$64,301,606$2,296,294,320
92$4,646,076,816$187,129,268$66,152,152$2,526,423,547
93$5,119,663,531$195,985,482$68,055,128$2,779,859,442
94$5,641,546,227$205,265,787$70,011,991$3,058,972,146
95$6,216,650,785$214,990,653$72,024,235$3,366,373,240
96$6,850,405,513$225,181,542$74,093,395$3,704,940,347
97$7,548,792,398$235,860,961$76,221,047$4,077,844,261
98$8,318,403,579$247,052,505$78,408,809$4,488,578,833
99$9,166,503,583$258,780,916$80,658,343$4,940,993,902
100$10,101,097,907$271,072,140$82,971,356$5,439,331,590