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

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 $11,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$916,628$908,463$900,497$892,722$885,130$865,843
2 years$453,776$445,325$437,134$429,193$421,490$402,157
3 years$299,512$291,025$282,855$274,988$267,411$248,633
4 years$222,396$213,934$205,846$198,114$190,720$172,643
5 years$176,138$167,727$159,745$152,170$144,982$127,658
6 years$145,309$136,962$129,098$121,692$114,719$98,165
7 years$123,297$115,020$107,281$100,049$93,298$77,517
8 years$106,796$98,593$90,983$83,929$77,399$62,386
9 years$93,968$85,843$78,363$71,489$65,181$50,925
10 years$83,712$75,667$68,319$61,624$55,538$42,024
11 years$75,327$67,362$60,147$53,631$47,764$34,975
12 years$68,343$60,460$53,379$47,042$41,392$29,307
13 years$62,439$54,638$47,690$41,531$36,094$24,693
14 years$57,383$49,665$42,850$36,867$31,640$20,900
15 years$53,004$45,370$38,688$32,879$27,858$17,755
16 years$49,177$41,626$35,076$29,439$24,621$15,130
17 years$45,804$38,336$31,918$26,451$21,831$12,926
18 years$42,808$35,424$29,137$23,838$19,411$11,068
19 years$40,132$32,831$26,673$21,539$17,302$9,494
20 years$37,725$30,508$24,480$19,508$15,454$8,156
21 years$35,551$28,417$22,517$17,705$13,830$7,017
22 years$33,577$26,526$20,752$16,098$12,396$6,043
23 years$31,778$24,809$19,161$14,660$11,128$5,210
24 years$30,131$23,245$17,721$13,371$10,002$4,495
25 years$28,618$21,814$16,413$12,211$9,000$3,881
26 years$27,223$20,502$15,222$11,165$8,107$3,353
27 years$25,934$19,294$14,135$10,220$7,309$2,898
28 years$24,739$18,181$13,141$9,364$6,595$2,506
29 years$23,629$17,152$12,228$8,587$5,955$2,168
30 years$22,595$16,198$11,390$7,880$5,381$1,877
31 years$21,629$15,312$10,619$7,238$4,865$1,624
32 years$20,726$14,489$9,908$6,652$4,401$1,407
33 years$19,878$13,721$9,251$6,117$3,983$1,218
34 years$19,083$13,004$8,643$5,628$3,606$1,055
35 years$18,335$12,334$8,081$5,181$3,266$914
36 years$17,629$11,707$7,560$4,771$2,959$792
37 years$16,964$11,119$7,076$4,396$2,682$687
38 years$16,335$10,567$6,626$4,052$2,431$595
39 years$15,740$10,048$6,208$3,736$2,205$516
40 years$15,175$9,560$5,819$3,446$2,000$447
41 years$14,640$9,100$5,456$3,179$1,814$388
42 years$14,132$8,667$5,118$2,934$1,646$336
43 years$13,649$8,258$4,802$2,709$1,494$291
44 years$13,188$7,871$4,508$2,501$1,356$253
45 years$12,750$7,506$4,233$2,310$1,231$219
46 years$12,332$7,161$3,976$2,134$1,118$190
47 years$11,933$6,833$3,735$1,971$1,015$165
48 years$11,551$6,523$3,510$1,821$922$143
49 years$11,186$6,229$3,299$1,683$837$124
50 years$10,837$5,951$3,102$1,556$760$107

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 $3,485 every year, while hoping to spend $27,719 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: 32/50/18 Blend
29$11,100,000$11,100,000$11,100,000$11,100,000
30$12,235,795$11,647,495$11,475,445$12,558,492
31$13,454,353$12,188,729$11,830,379$13,340,200
32$14,796,275$12,755,555$12,196,275$14,178,842
33$16,274,115$13,349,197$12,573,470$15,081,583
34$17,901,706$13,970,939$12,962,313$16,054,039
35$19,694,292$14,622,127$13,363,162$17,102,359
36$21,668,670$15,304,171$13,776,388$18,233,275
37$23,843,350$16,018,551$14,202,373$19,454,160
38$26,238,728$16,766,816$14,641,508$20,773,095
39$28,877,280$17,550,592$15,094,201$22,198,931
40$31,783,773$18,371,582$15,560,868$23,741,376
41$34,985,501$19,231,573$16,041,940$25,411,070
42$38,512,539$20,132,436$16,537,861$27,219,683
43$42,398,027$21,076,135$17,049,089$29,180,018
44$46,678,488$22,064,728$17,576,095$31,306,121
45$51,394,165$23,100,371$18,119,366$33,613,404
46$56,589,407$24,185,326$18,679,402$36,118,788
47$62,313,084$25,321,965$19,256,719$38,840,844
48$68,619,051$26,512,773$19,851,851$41,799,968
49$75,566,652$27,760,357$20,465,346$45,018,555
50$83,221,284$29,067,448$21,097,770$48,521,207
51$91,655,015$30,436,913$21,749,704$52,334,947
52$100,947,259$31,871,754$22,421,752$56,489,468
53$111,185,529$33,375,120$23,114,531$61,017,398
54$122,466,266$34,950,313$23,828,680$65,954,594
55$134,895,741$36,600,795$24,564,857$71,340,473
56$148,591,067$38,330,194$25,323,740$77,218,362
57$163,681,299$40,142,317$26,106,029$83,635,896
58$180,308,655$42,041,154$26,912,443$90,645,455
59$198,629,854$44,030,886$27,743,727$98,304,637
60$218,817,601$46,115,902$28,600,644$106,676,787
61$241,062,215$48,300,800$29,483,984$115,831,579
62$265,573,424$50,590,402$30,394,561$125,845,651
63$292,582,347$52,989,765$31,333,212$136,803,314
64$322,343,673$55,504,191$32,300,801$148,797,324
65$355,138,069$58,139,238$33,298,220$161,929,735
66$391,274,827$60,900,735$34,326,385$176,312,844
67$431,094,784$63,794,795$35,386,243$192,070,228
68$474,973,539$66,827,827$36,478,769$209,337,879
69$523,324,999$70,006,551$37,604,968$228,265,470
70$576,605,290$73,338,013$38,765,875$249,017,738
71$635,317,057$76,829,602$39,962,559$271,776,010
72$700,014,212$80,489,068$41,196,119$296,739,886
73$771,307,163$84,324,533$42,467,691$324,129,094
74$849,868,577$88,344,519$43,778,442$354,185,529
75$936,439,730$92,557,959$45,129,578$387,175,504
76$1,031,837,505$96,974,221$46,522,341$423,392,230
77$1,136,962,102$101,603,129$47,958,011$463,158,545
78$1,252,805,538$106,454,984$49,437,906$506,829,921
79$1,380,461,014$111,540,590$50,963,387$554,797,786
80$1,521,133,231$116,871,273$52,535,855$607,493,166
81$1,676,149,769$122,458,913$54,156,754$665,390,719
82$1,846,973,613$128,315,968$55,827,573$729,013,164
83$2,035,216,971$134,455,500$57,549,846$798,936,166
84$2,242,656,491$140,891,208$59,325,155$875,793,723
85$2,471,250,035$147,637,459$61,155,130$960,284,093
86$2,723,155,162$154,709,318$63,041,450$1,053,176,332
87$3,000,749,497$162,122,583$64,985,847$1,155,317,495
88$3,306,653,178$169,893,822$66,990,105$1,267,640,569
89$3,643,753,593$178,040,410$69,056,064$1,391,173,219
90$4,015,232,636$186,580,566$71,185,618$1,527,047,417
91$4,424,596,751$195,533,400$73,380,723$1,676,510,060
92$4,875,710,033$204,918,950$75,643,390$1,840,934,671
93$5,372,830,709$214,758,231$77,975,696$2,021,834,277
94$5,920,651,338$225,073,282$80,379,780$2,220,875,620
95$6,524,343,117$235,887,215$82,857,844$2,439,894,806
96$7,189,604,695$247,224,269$85,412,162$2,680,914,540
97$7,922,715,980$259,109,863$88,045,076$2,946,163,140
98$8,730,597,421$271,570,658$90,758,997$3,238,095,463
99$9,620,875,348$284,634,610$93,556,413$3,559,415,986
100$10,601,953,969$298,331,042$96,439,889$3,913,104,226