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%18%
1 years$908,370$900,278$892,384$884,679$877,155$848,737
2 years$449,688$441,313$433,196$425,327$417,693$389,329
3 years$296,814$288,403$280,307$272,511$265,002$237,582
4 years$220,392$212,007$203,991$196,329$189,001$162,736
5 years$174,551$166,216$158,306$150,799$143,676$118,635
6 years$144,000$135,728$127,935$120,595$113,686$89,890
7 years$122,187$113,984$106,314$99,148$92,457$69,904
8 years$105,834$97,705$90,163$83,173$76,702$55,375
9 years$93,122$85,070$77,657$70,845$64,594$44,469
10 years$82,958$74,985$67,703$61,069$55,037$36,084
11 years$74,648$66,755$59,605$53,148$47,334$29,516
12 years$67,728$59,915$52,898$46,618$41,019$24,297
13 years$61,877$54,146$47,261$41,157$35,769$20,103
14 years$56,866$49,217$42,464$36,534$31,355$16,702
15 years$52,527$44,961$38,339$32,582$27,607$13,922
16 years$48,734$41,251$34,760$29,174$24,400$11,636
17 years$45,391$37,990$31,630$26,213$21,634$9,748
18 years$42,423$35,105$28,874$23,623$19,236$8,181
19 years$39,770$32,535$26,433$21,345$17,146$6,877
20 years$37,386$30,233$24,259$19,332$15,315$5,788
21 years$35,231$28,161$22,314$17,545$13,705$4,877
22 years$33,275$26,287$20,566$15,953$12,285$4,113
23 years$31,491$24,586$18,989$14,528$11,027$3,472
24 years$29,859$23,035$17,561$13,251$9,912$2,932
25 years$28,360$21,617$16,265$12,101$8,919$2,477
26 years$26,978$20,317$15,085$11,065$8,034$2,094
27 years$25,701$19,121$14,008$10,128$7,243$1,771
28 years$24,517$18,017$13,022$9,279$6,536$1,498
29 years$23,416$16,997$12,118$8,509$5,902$1,268
30 years$22,391$16,052$11,288$7,809$5,332$1,073
31 years$21,434$15,175$10,523$7,172$4,821$908
32 years$20,539$14,358$9,818$6,592$4,361$769
33 years$19,699$13,597$9,167$6,061$3,947$651
34 years$18,911$12,887$8,565$5,577$3,573$552
35 years$18,169$12,223$8,008$5,134$3,236$467
36 years$17,471$11,602$7,491$4,728$2,932$396
37 years$16,811$11,019$7,012$4,357$2,658$335
38 years$16,188$10,472$6,566$4,016$2,409$284
39 years$15,598$9,958$6,152$3,702$2,185$241
40 years$15,039$9,474$5,766$3,415$1,982$204
41 years$14,508$9,018$5,407$3,151$1,798$173
42 years$14,005$8,589$5,072$2,908$1,632$146
43 years$13,526$8,183$4,759$2,684$1,481$124
44 years$13,070$7,801$4,467$2,478$1,344$105
45 years$12,635$7,439$4,195$2,289$1,220$89
46 years$12,221$7,096$3,940$2,114$1,108$75
47 years$11,825$6,772$3,701$1,953$1,006$64
48 years$11,447$6,465$3,478$1,805$914$54
49 years$11,086$6,173$3,269$1,668$830$46
50 years$10,740$5,897$3,074$1,542$754$39

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 $3,232 every year, while hoping to spend $30,273 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: 47/24/29 Blend
29$11,000,000$11,000,000$11,000,000$11,000,000
30$12,125,334$11,542,334$11,371,834$12,594,171
31$13,329,908$12,075,698$11,720,580$13,459,340
32$14,656,333$12,634,182$12,079,995$14,394,745
33$16,117,008$13,218,986$12,450,403$15,409,606
34$17,725,592$13,831,365$12,832,140$16,511,416
35$19,497,138$14,472,637$13,225,553$17,708,406
36$21,448,232$15,144,183$13,630,995$19,009,622
37$23,597,154$15,847,450$14,048,836$20,425,004
38$25,964,044$16,583,955$14,479,452$21,965,480
39$28,571,095$17,355,288$14,923,233$23,643,063
40$31,442,766$18,163,116$15,380,580$25,470,959
41$34,606,006$19,009,187$15,851,907$27,463,690
42$38,090,512$19,895,331$16,337,640$29,637,229
43$41,929,011$20,823,469$16,838,217$32,009,139
44$46,157,565$21,795,614$17,354,092$34,598,741
45$50,815,913$22,813,875$17,885,731$37,427,289
46$55,947,846$23,880,465$18,433,613$40,518,164
47$61,601,621$24,997,702$18,998,233$43,897,093
48$67,830,414$26,168,018$19,580,102$47,592,383
49$74,692,826$27,393,959$20,179,744$51,635,185
50$82,253,429$28,678,199$20,797,701$56,059,778
51$90,583,386$30,023,537$21,434,531$60,903,893
52$99,761,111$31,432,911$22,090,808$66,209,055
53$109,873,019$32,909,397$22,767,124$72,020,973
54$121,014,333$34,456,224$23,464,089$78,389,965
55$133,289,991$36,076,775$24,182,332$85,371,421
56$146,815,630$37,774,597$24,922,500$93,026,322
57$161,718,682$39,553,410$25,685,261$101,421,806
58$178,139,572$41,417,111$26,471,302$110,631,794
59$196,233,048$43,369,790$27,281,331$120,737,676
60$216,169,642$45,415,733$28,116,078$131,829,076
61$238,137,274$47,559,432$28,976,295$144,004,682
62$262,343,032$49,805,600$29,862,757$157,373,172
63$289,015,123$52,159,176$30,776,261$172,054,226
64$318,405,030$54,625,341$31,717,631$188,179,649
65$350,789,885$57,209,524$32,687,713$205,894,598
66$386,475,082$59,917,419$33,687,380$225,358,946
67$425,797,165$62,754,997$34,717,532$246,748,775
68$469,127,001$65,728,518$35,779,095$270,258,026
69$516,873,285$68,844,545$36,873,024$296,100,316
70$569,486,392$72,109,960$38,000,303$324,510,941
71$627,462,635$75,531,979$39,161,944$355,749,081
72$691,348,947$79,118,169$40,358,992$390,100,234
73$761,748,044$82,876,464$41,592,523$427,878,889
74$839,324,117$86,815,183$42,863,645$469,431,485
75$924,809,099$90,943,048$44,173,498$515,139,658
76$1,019,009,577$95,269,208$45,523,261$565,423,828
77$1,122,814,407$99,803,253$46,914,144$620,747,146
78$1,237,203,105$104,555,241$48,347,396$681,619,848
79$1,363,255,091$109,535,717$49,824,303$748,604,053
80$1,502,159,884$114,755,740$51,346,191$822,319,039
81$1,655,228,328$120,226,907$52,914,424$903,447,075
82$1,823,904,969$125,961,378$54,530,409$992,739,832
83$2,009,781,694$131,971,903$56,195,595$1,091,025,456
84$2,214,612,754$138,271,854$57,911,475$1,199,216,359
85$2,440,331,333$144,875,252$59,679,587$1,318,317,806
86$2,689,067,791$151,796,802$61,501,516$1,449,437,371
87$2,963,169,782$159,051,921$63,378,892$1,593,795,371
88$3,265,224,413$166,656,779$65,313,399$1,752,736,346
89$3,598,082,673$174,628,331$67,306,768$1,927,741,727
90$3,964,886,345$182,984,359$69,360,784$2,120,443,779
91$4,369,097,668$191,743,508$71,477,286$2,332,640,981
92$4,814,532,022$200,925,332$73,658,167$2,566,314,962
93$5,305,393,952$210,550,337$75,905,379$2,823,649,172
94$5,846,316,858$220,640,026$78,220,932$3,107,049,450
95$6,442,406,742$231,216,951$80,606,897$3,419,166,697
96$7,099,290,408$242,304,761$83,065,407$3,762,921,855
97$7,823,168,592$253,928,256$85,598,660$4,141,533,435
98$8,620,874,492$266,113,445$88,208,920$4,558,547,852
99$9,499,938,290$278,887,603$90,898,518$5,017,872,853
100$10,468,658,235$292,279,335$93,669,858$5,523,814,356