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%16.1%
1 years$908,370$900,278$892,384$884,679$877,155$855,256
2 years$449,688$441,313$433,196$425,327$417,693$395,769
3 years$296,814$288,403$280,307$272,511$265,002$243,738
4 years$220,392$212,007$203,991$196,329$189,001$168,561
5 years$174,551$166,216$158,306$150,799$143,676$124,117
6 years$144,000$135,728$127,935$120,595$113,686$95,027
7 years$122,187$113,984$106,314$99,148$92,457$74,700
8 years$105,834$97,705$90,163$83,173$76,702$59,840
9 years$93,122$85,070$77,657$70,845$64,594$48,612
10 years$82,958$74,985$67,703$61,069$55,037$39,916
11 years$74,648$66,755$59,605$53,148$47,334$33,052
12 years$67,728$59,915$52,898$46,618$41,019$27,552
13 years$61,877$54,146$47,261$41,157$35,769$23,090
14 years$56,866$49,217$42,464$36,534$31,355$19,436
15 years$52,527$44,961$38,339$32,582$27,607$16,420
16 years$48,734$41,251$34,760$29,174$24,400$13,913
17 years$45,391$37,990$31,630$26,213$21,634$11,818
18 years$42,423$35,105$28,874$23,623$19,236$10,059
19 years$39,770$32,535$26,433$21,345$17,146$8,577
20 years$37,386$30,233$24,259$19,332$15,315$7,325
21 years$35,231$28,161$22,314$17,545$13,705$6,263
22 years$33,275$26,287$20,566$15,953$12,285$5,360
23 years$31,491$24,586$18,989$14,528$11,027$4,592
24 years$29,859$23,035$17,561$13,251$9,912$3,937
25 years$28,360$21,617$16,265$12,101$8,919$3,378
26 years$26,978$20,317$15,085$11,065$8,034$2,900
27 years$25,701$19,121$14,008$10,128$7,243$2,490
28 years$24,517$18,017$13,022$9,279$6,536$2,140
29 years$23,416$16,997$12,118$8,509$5,902$1,839
30 years$22,391$16,052$11,288$7,809$5,332$1,581
31 years$21,434$15,175$10,523$7,172$4,821$1,360
32 years$20,539$14,358$9,818$6,592$4,361$1,169
33 years$19,699$13,597$9,167$6,061$3,947$1,006
34 years$18,911$12,887$8,565$5,577$3,573$866
35 years$18,169$12,223$8,008$5,134$3,236$745
36 years$17,471$11,602$7,491$4,728$2,932$641
37 years$16,811$11,019$7,012$4,357$2,658$552
38 years$16,188$10,472$6,566$4,016$2,409$475
39 years$15,598$9,958$6,152$3,702$2,185$409
40 years$15,039$9,474$5,766$3,415$1,982$352
41 years$14,508$9,018$5,407$3,151$1,798$303
42 years$14,005$8,589$5,072$2,908$1,632$261
43 years$13,526$8,183$4,759$2,684$1,481$225
44 years$13,070$7,801$4,467$2,478$1,344$194
45 years$12,635$7,439$4,195$2,289$1,220$167
46 years$12,221$7,096$3,940$2,114$1,108$144
47 years$11,825$6,772$3,701$1,953$1,006$124
48 years$11,447$6,465$3,478$1,805$914$106
49 years$11,086$6,173$3,269$1,668$830$92
50 years$10,740$5,897$3,074$1,542$754$79

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 $2,355 every year, while hoping to spend $36,740 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: 45/42/13 Blend
29$11,000,000$11,000,000$11,000,000$11,000,000
30$12,124,429$11,541,429$11,370,929$12,624,996
31$13,322,030$12,067,868$11,712,764$13,499,693
32$14,640,554$12,618,871$12,064,819$14,443,698
33$16,092,298$13,195,603$12,427,398$15,466,519
34$17,690,810$13,799,285$12,800,813$16,575,454
35$19,451,019$14,431,196$13,185,386$17,778,514
36$21,389,374$15,092,676$13,581,449$19,084,491
37$23,524,004$15,785,131$13,989,341$20,503,040
38$25,874,883$16,510,033$14,409,415$22,044,762
39$28,464,022$17,268,926$14,842,031$23,721,302
40$31,315,675$18,063,426$15,287,561$25,545,448
41$34,456,569$18,895,228$15,746,389$27,531,254
42$37,916,154$19,766,110$16,218,909$29,694,160
43$41,726,886$20,677,933$16,705,526$32,051,135
44$45,924,525$21,632,649$17,206,658$34,620,829
45$50,548,481$22,632,303$17,722,736$37,423,744
46$55,642,179$23,679,039$18,254,201$40,482,420
47$61,253,474$24,775,105$18,801,509$43,821,638
48$67,435,098$25,922,855$19,365,129$47,468,650
49$74,245,162$27,124,758$19,945,545$51,453,425
50$81,747,701$28,383,403$20,543,253$55,808,925
51$90,013,278$29,701,502$21,158,764$60,571,407
52$99,119,655$31,081,898$21,792,605$65,780,756
53$109,152,520$32,527,572$22,445,318$71,480,851
54$120,206,302$34,041,647$23,117,460$77,719,971
55$132,385,056$35,627,400$23,809,606$84,551,238
56$145,803,451$37,288,262$24,522,348$92,033,106
57$160,587,849$39,027,832$25,256,292$100,229,908
58$176,877,497$40,849,884$26,012,066$109,212,441
59$194,825,845$42,758,371$26,790,313$119,058,631
60$214,601,989$44,757,439$27,591,696$129,854,248
61$236,392,274$46,851,435$28,416,900$141,693,708
62$260,402,045$49,044,915$29,266,625$154,680,942
63$286,857,593$51,342,654$30,141,596$168,930,371
64$316,008,284$53,749,661$31,042,556$184,567,962
65$348,128,919$56,271,185$31,970,272$201,732,403
66$383,522,324$58,912,728$32,925,531$220,576,399
67$422,522,210$61,680,061$33,909,146$241,268,086
68$465,496,324$64,579,233$34,921,951$263,992,608
69$512,849,919$67,616,585$35,964,806$288,953,839
70$565,029,578$70,798,765$37,038,595$316,376,290
71$622,527,436$74,132,745$38,144,228$346,507,202
72$685,885,817$77,625,832$39,282,642$379,618,861
73$755,702,361$81,285,689$40,454,802$416,011,142
74$832,635,664$85,120,349$41,661,699$456,014,314
75$917,411,490$89,138,235$42,904,355$499,992,135
76$1,010,829,631$93,348,177$44,183,819$548,345,251
77$1,113,771,450$97,759,435$45,501,174$601,514,956
78$1,227,208,207$102,381,716$46,857,532$659,987,325
79$1,352,210,223$107,225,199$48,254,039$724,297,769
80$1,489,956,988$112,300,556$49,691,871$795,036,057
81$1,641,748,295$117,618,978$51,172,243$872,851,851
82$1,809,016,509$123,192,196$52,696,402$958,460,796
83$1,993,340,093$129,032,514$54,265,631$1,052,651,247
84$2,196,458,505$135,152,830$55,881,253$1,156,291,660
85$2,420,288,624$141,566,669$57,544,626$1,270,338,760
86$2,666,942,842$148,288,215$59,257,149$1,395,846,517
87$2,938,749,011$155,332,337$61,020,263$1,533,976,058
88$3,238,272,416$162,714,627$62,835,448$1,686,006,579
89$3,568,339,996$170,451,437$64,704,228$1,853,347,366
90$3,932,067,027$178,559,909$66,628,172$2,037,551,051
91$4,332,886,542$187,058,022$68,608,893$2,240,328,210
92$4,774,581,730$195,964,626$70,648,052$2,463,563,457
93$5,261,321,661$205,299,488$72,747,357$2,709,333,173
94$5,797,700,642$215,083,334$74,908,564$2,979,925,042
95$6,388,781,590$225,337,900$77,133,484$3,277,859,586
96$7,040,143,833$236,085,978$79,423,976$3,605,913,884
97$7,757,935,779$247,351,467$81,781,956$3,967,147,720
98$8,548,932,969$259,159,429$84,209,391$4,364,932,392
99$9,420,602,036$271,536,145$86,708,310$4,802,982,455
100$10,381,171,201$284,509,174$89,280,796$5,285,390,706