Can I retire at age 30 with 11,000,000?

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 $11,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$908,370$900,278$892,384$884,679$877,155$867,634
2 years$449,688$441,313$433,196$425,327$417,693$408,106
3 years$296,814$288,403$280,307$272,511$265,002$255,647
4 years$220,392$212,007$203,991$196,329$189,001$179,951
5 years$174,551$166,216$158,306$150,799$143,676$134,956
6 years$144,000$135,728$127,935$120,595$113,686$105,307
7 years$122,187$113,984$106,314$99,148$92,457$84,423
8 years$105,834$97,705$90,163$83,173$76,702$69,013
9 years$93,122$85,070$77,657$70,845$64,594$57,246
10 years$82,958$74,985$67,703$61,069$55,037$48,026
11 years$74,648$66,755$59,605$53,148$47,334$40,653
12 years$67,728$59,915$52,898$46,618$41,019$34,662
13 years$61,877$54,146$47,261$41,157$35,769$29,729
14 years$56,866$49,217$42,464$36,534$31,355$25,622
15 years$52,527$44,961$38,339$32,582$27,607$22,174
16 years$48,734$41,251$34,760$29,174$24,400$19,255
17 years$45,391$37,990$31,630$26,213$21,634$16,770
18 years$42,423$35,105$28,874$23,623$19,236$14,642
19 years$39,770$32,535$26,433$21,345$17,146$12,812
20 years$37,386$30,233$24,259$19,332$15,315$11,231
21 years$35,231$28,161$22,314$17,545$13,705$9,861
22 years$33,275$26,287$20,566$15,953$12,285$8,670
23 years$31,491$24,586$18,989$14,528$11,027$7,632
24 years$29,859$23,035$17,561$13,251$9,912$6,725
25 years$28,360$21,617$16,265$12,101$8,919$5,932
26 years$26,978$20,317$15,085$11,065$8,034$5,236
27 years$25,701$19,121$14,008$10,128$7,243$4,626
28 years$24,517$18,017$13,022$9,279$6,536$4,089
29 years$23,416$16,997$12,118$8,509$5,902$3,616
30 years$22,391$16,052$11,288$7,809$5,332$3,200
31 years$21,434$15,175$10,523$7,172$4,821$2,832
32 years$20,539$14,358$9,818$6,592$4,361$2,508
33 years$19,699$13,597$9,167$6,061$3,947$2,222
34 years$18,911$12,887$8,565$5,577$3,573$1,969
35 years$18,169$12,223$8,008$5,134$3,236$1,745
36 years$17,471$11,602$7,491$4,728$2,932$1,547
37 years$16,811$11,019$7,012$4,357$2,658$1,372
38 years$16,188$10,472$6,566$4,016$2,409$1,216
39 years$15,598$9,958$6,152$3,702$2,185$1,079
40 years$15,039$9,474$5,766$3,415$1,982$957
41 years$14,508$9,018$5,407$3,151$1,798$849
42 years$14,005$8,589$5,072$2,908$1,632$753
43 years$13,526$8,183$4,759$2,684$1,481$669
44 years$13,070$7,801$4,467$2,478$1,344$593
45 years$12,635$7,439$4,195$2,289$1,220$527
46 years$12,221$7,096$3,940$2,114$1,108$468
47 years$11,825$6,772$3,701$1,953$1,006$415
48 years$11,447$6,465$3,478$1,805$914$368
49 years$11,086$6,173$3,269$1,668$830$327
50 years$10,740$5,897$3,074$1,542$754$290

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $11,000,000, adding $2,750 every year, while hoping to spend $39,858 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: 50/23/27 Blend
29$11,000,000$11,000,000$11,000,000$11,000,000
30$12,124,837$11,541,837$11,371,337$12,638,396
31$13,319,161$12,064,978$11,709,868$13,520,380
32$14,633,971$12,612,417$12,058,404$14,474,273
33$16,081,514$13,185,303$12,417,238$15,510,318
34$17,675,285$13,784,840$12,786,672$16,636,326
35$19,430,154$14,412,287$13,167,015$17,860,881
36$21,362,507$15,068,967$13,558,588$19,193,419
37$23,490,401$15,756,264$13,961,719$20,644,315
38$25,833,730$16,475,630$14,376,745$22,224,977
39$28,414,420$17,228,584$14,804,015$23,947,948
40$31,256,628$18,016,722$15,243,886$25,827,025
41$34,386,975$18,841,712$15,696,727$27,877,380
42$37,834,795$19,705,305$16,162,917$30,115,706
43$41,632,415$20,609,336$16,642,845$32,560,366
44$45,815,453$21,555,725$17,136,912$35,231,560
45$50,423,162$22,546,489$17,645,532$38,151,520
46$55,498,795$23,583,737$18,169,128$41,344,705
47$61,090,016$24,669,684$18,708,137$44,838,033
48$67,249,347$25,806,648$19,263,009$48,661,130
49$74,034,666$26,997,059$19,834,206$52,846,603
50$81,509,754$28,243,467$20,422,203$57,430,341
51$89,744,892$29,548,540$21,027,490$62,451,851
52$98,817,530$30,915,078$21,650,571$67,954,624
53$108,813,015$32,346,014$22,291,962$73,986,538
54$119,825,397$33,844,422$22,952,197$80,600,305
55$131,958,316$35,413,527$23,631,823$87,853,962
56$145,325,980$37,056,706$24,331,405$95,811,410
57$160,054,245$38,777,499$25,051,522$104,543,012
58$176,281,801$40,579,620$25,792,772$114,126,248
59$194,161,482$42,466,958$26,555,766$124,646,441
60$213,861,706$44,443,593$27,341,138$136,197,548
61$235,568,070$46,513,799$28,149,536$148,883,046
62$259,485,095$48,682,057$28,981,628$162,816,896
63$285,838,164$50,953,067$29,838,101$178,124,607
64$314,875,641$53,331,751$30,719,662$194,944,414
65$346,871,224$55,823,274$31,627,038$213,428,574
66$382,126,521$58,433,047$32,560,976$233,744,787
67$420,973,903$61,166,744$33,522,246$256,077,773
68$463,779,639$64,030,312$34,511,638$280,631,002
69$510,947,350$67,029,986$35,529,967$307,628,602
70$562,921,828$70,172,302$36,578,068$337,317,463
71$620,193,224$73,464,115$37,656,804$369,969,553
72$683,301,684$76,912,608$38,767,057$405,884,473
73$752,842,442$80,525,312$39,909,741$445,392,267
74$829,471,444$84,310,125$41,085,789$488,856,530
75$913,911,534$88,275,324$42,296,166$536,677,814
76$1,006,959,285$92,429,589$43,541,862$589,297,403
77$1,109,492,512$96,782,019$44,823,895$647,201,451
78$1,222,478,565$101,342,155$46,143,312$710,925,564
79$1,346,983,457$106,119,999$47,501,191$781,059,829
80$1,484,181,929$111,126,038$48,898,640$858,254,367
81$1,635,368,538$116,371,266$50,336,797$943,225,451
82$1,801,969,883$121,867,213$51,816,834$1,036,762,245
83$1,985,558,069$127,625,964$53,339,955$1,139,734,232
84$2,187,865,548$133,660,192$54,907,400$1,253,099,397
85$2,410,801,478$139,983,185$56,520,442$1,377,913,247
86$2,656,469,742$146,608,875$58,180,390$1,515,338,749
87$2,927,188,814$153,551,868$59,888,592$1,666,657,284
88$3,225,513,646$160,827,482$61,646,432$1,833,280,711
89$3,554,259,784$168,451,775$63,455,334$2,016,764,669
90$3,916,529,957$176,441,587$65,316,763$2,218,823,234
91$4,315,743,361$184,814,573$67,232,223$2,441,345,064
92$4,755,667,944$193,589,248$69,203,262$2,686,411,196
93$5,240,455,975$202,785,022$71,231,472$2,956,314,659
94$5,774,683,247$212,422,250$73,318,489$3,253,582,084
95$6,363,392,275$222,522,277$75,465,996$3,580,997,515
96$7,012,139,901$233,107,483$77,675,720$3,941,628,655
97$7,727,049,756$244,201,334$79,949,442$4,338,855,784
98$8,514,870,071$255,828,439$82,288,988$4,776,403,626
99$9,383,037,387$268,014,602$84,696,238$5,258,376,464
100$10,339,746,762$280,786,879$87,173,123$5,789,296,845