Can I retire at age 30 with 11,100,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $11,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$916,628$908,463$900,497$892,722$885,130$875,886
2 years$453,776$445,325$437,134$429,193$421,490$412,182
3 years$299,512$291,025$282,855$274,988$267,411$258,326
4 years$222,396$213,934$205,846$198,114$190,720$181,928
5 years$176,138$167,727$159,745$152,170$144,982$136,510
6 years$145,309$136,962$129,098$121,692$114,719$106,578
7 years$123,297$115,020$107,281$100,049$93,298$85,489
8 years$106,796$98,593$90,983$83,929$77,399$69,924
9 years$93,968$85,843$78,363$71,489$65,181$58,036
10 years$83,712$75,667$68,319$61,624$55,538$48,718
11 years$75,327$67,362$60,147$53,631$47,764$41,265
12 years$68,343$60,460$53,379$47,042$41,392$35,206
13 years$62,439$54,638$47,690$41,531$36,094$30,214
14 years$57,383$49,665$42,850$36,867$31,640$26,058
15 years$53,004$45,370$38,688$32,879$27,858$22,566
16 years$49,177$41,626$35,076$29,439$24,621$19,610
17 years$45,804$38,336$31,918$26,451$21,831$17,091
18 years$42,808$35,424$29,137$23,838$19,411$14,933
19 years$40,132$32,831$26,673$21,539$17,302$13,075
20 years$37,725$30,508$24,480$19,508$15,454$11,470
21 years$35,551$28,417$22,517$17,705$13,830$10,079
22 years$33,577$26,526$20,752$16,098$12,396$8,868
23 years$31,778$24,809$19,161$14,660$11,128$7,812
24 years$30,131$23,245$17,721$13,371$10,002$6,890
25 years$28,618$21,814$16,413$12,211$9,000$6,082
26 years$27,223$20,502$15,222$11,165$8,107$5,373
27 years$25,934$19,294$14,135$10,220$7,309$4,750
28 years$24,739$18,181$13,141$9,364$6,595$4,202
29 years$23,629$17,152$12,228$8,587$5,955$3,719
30 years$22,595$16,198$11,390$7,880$5,381$3,293
31 years$21,629$15,312$10,619$7,238$4,865$2,918
32 years$20,726$14,489$9,908$6,652$4,401$2,586
33 years$19,878$13,721$9,251$6,117$3,983$2,293
34 years$19,083$13,004$8,643$5,628$3,606$2,033
35 years$18,335$12,334$8,081$5,181$3,266$1,803
36 years$17,629$11,707$7,560$4,771$2,959$1,600
37 years$16,964$11,119$7,076$4,396$2,682$1,420
38 years$16,335$10,567$6,626$4,052$2,431$1,260
39 years$15,740$10,048$6,208$3,736$2,205$1,119
40 years$15,175$9,560$5,819$3,446$2,000$994
41 years$14,640$9,100$5,456$3,179$1,814$882
42 years$14,132$8,667$5,118$2,934$1,646$784
43 years$13,649$8,258$4,802$2,709$1,494$696
44 years$13,188$7,871$4,508$2,501$1,356$618
45 years$12,750$7,506$4,233$2,310$1,231$549
46 years$12,332$7,161$3,976$2,134$1,118$488
47 years$11,933$6,833$3,735$1,971$1,015$433
48 years$11,551$6,523$3,510$1,821$922$385
49 years$11,186$6,229$3,299$1,683$837$342
50 years$10,837$5,951$3,102$1,556$760$304

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $11,100,000, adding $5,685 every year, while hoping to spend $35,882 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: 46/24/30 Blend
29$11,100,000$11,100,000$11,100,000$11,100,000
30$12,238,064$11,649,764$11,477,714$12,694,926
31$13,448,168$12,182,424$11,824,039$13,552,860
32$14,780,501$12,739,982$12,180,764$14,479,302
33$16,247,491$13,323,620$12,548,198$15,483,893
34$17,862,834$13,934,577$12,926,662$16,573,988
35$19,641,622$14,574,150$13,316,484$17,757,666
36$21,600,485$15,243,701$13,718,004$19,043,804
37$23,757,748$15,944,656$14,131,571$20,442,159
38$26,133,604$16,678,509$14,557,544$21,963,455
39$28,750,302$17,446,827$14,996,292$23,619,480
40$31,632,362$18,251,251$15,448,197$25,423,194
41$34,806,803$19,093,502$15,913,651$27,388,850
42$38,303,396$19,975,383$16,393,059$29,532,119
43$42,154,951$20,898,785$16,886,834$31,870,236
44$46,397,619$21,865,689$17,395,406$34,422,160
45$51,071,240$22,878,171$17,919,216$37,208,745
46$56,219,713$23,938,409$18,458,717$40,252,934
47$61,891,416$25,048,683$19,014,376$43,579,970
48$68,139,657$26,211,385$19,586,674$47,217,627
49$75,023,182$27,429,022$20,176,107$51,196,469
50$82,606,724$28,704,221$20,783,184$55,550,131
51$90,961,619$30,039,738$21,408,430$60,315,631
52$100,166,478$31,438,458$22,052,386$65,533,712
53$110,307,925$32,903,410$22,715,608$71,249,221
54$121,481,421$34,437,764$23,398,668$77,511,525
55$133,792,159$36,044,848$24,102,156$84,374,969
56$147,356,061$37,728,147$24,826,680$91,899,382
57$162,300,869$39,491,316$25,572,865$100,150,634
58$178,767,355$41,338,188$26,341,352$109,201,248
59$196,910,643$43,272,777$27,132,806$119,131,077
60$216,901,681$45,299,296$27,947,907$130,028,050
61$238,928,849$47,422,158$28,787,359$141,988,988
62$263,199,739$49,645,990$29,651,882$155,120,515
63$289,943,114$51,975,645$30,542,222$169,540,047
64$319,411,068$54,416,209$31,459,143$185,376,893
65$351,881,408$56,973,014$32,403,435$202,773,466
66$387,660,270$59,651,650$33,375,909$221,886,613
67$427,085,015$62,457,979$34,377,399$242,889,083
68$470,527,411$65,398,144$35,408,767$265,971,147
69$518,397,143$68,478,589$36,470,896$291,342,378
70$571,145,680$71,706,068$37,564,699$319,233,618
71$629,270,536$75,087,662$38,691,113$349,899,142
72$693,319,969$78,630,796$39,851,104$383,619,041
73$763,898,156$82,343,255$41,045,666$420,701,853
74$841,670,893$86,233,200$42,275,821$461,487,455
75$927,371,886$90,309,189$43,542,623$506,350,259
76$1,021,809,673$94,580,193$44,847,156$555,702,724
77$1,125,875,258$99,055,622$46,190,534$609,999,233
78$1,240,550,525$103,745,338$47,573,908$669,740,361
79$1,366,917,503$108,659,684$48,998,458$735,477,582
80$1,506,168,584$113,809,503$50,465,401$807,818,450
81$1,659,617,777$119,206,167$51,975,991$887,432,316
82$1,828,713,119$124,861,598$53,531,515$975,056,617
83$2,015,050,337$130,788,295$55,133,300$1,071,503,821
84$2,220,387,918$136,999,368$56,782,712$1,177,669,062
85$2,446,663,709$143,508,561$58,481,157$1,294,538,571
86$2,696,013,212$150,330,285$60,230,080$1,423,198,953
87$2,970,789,743$157,479,653$62,030,971$1,564,847,418
88$3,273,586,651$164,972,510$63,885,363$1,720,803,052
89$3,607,261,798$172,825,472$65,794,831$1,892,519,234
90$3,974,964,544$181,055,962$67,761,001$2,081,597,329
91$4,380,165,474$189,682,251$69,785,541$2,289,801,763
92$4,826,689,167$198,723,496$71,870,171$2,519,076,648
93$5,318,750,302$208,199,787$74,016,661$2,771,564,097
94$5,860,993,445$218,132,190$76,226,832$3,049,624,402
95$6,458,536,904$228,542,794$78,502,559$3,355,858,278
96$7,117,021,042$239,454,765$80,845,769$3,693,131,369
97$7,842,661,534$250,892,394$83,258,447$4,064,601,256
98$8,642,308,043$262,881,154$85,742,638$4,473,747,218
99$9,523,508,890$275,447,757$88,300,442$4,924,403,026
100$10,494,582,313$288,620,213$90,934,024$5,420,793,087