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%15.8%
1 years$916,628$908,463$900,497$892,722$885,130$864,083
2 years$453,776$445,325$437,134$429,193$421,490$400,409
3 years$299,512$291,025$282,855$274,988$267,411$246,954
4 years$222,396$213,934$205,846$198,114$190,720$171,045
5 years$176,138$167,727$159,745$152,170$144,982$126,144
6 years$145,309$136,962$129,098$121,692$114,719$96,737
7 years$123,297$115,020$107,281$100,049$93,298$76,174
8 years$106,796$98,593$90,983$83,929$77,399$61,127
9 years$93,968$85,843$78,363$71,489$65,181$49,748
10 years$83,712$75,667$68,319$61,624$55,538$40,925
11 years$75,327$67,362$60,147$53,631$47,764$33,953
12 years$68,343$60,460$53,379$47,042$41,392$28,358
13 years$62,439$54,638$47,690$41,531$36,094$23,814
14 years$57,383$49,665$42,850$36,867$31,640$20,086
15 years$53,004$45,370$38,688$32,879$27,858$17,004
16 years$49,177$41,626$35,076$29,439$24,621$14,439
17 years$45,804$38,336$31,918$26,451$21,831$12,292
18 years$42,808$35,424$29,137$23,838$19,411$10,486
19 years$40,132$32,831$26,673$21,539$17,302$8,961
20 years$37,725$30,508$24,480$19,508$15,454$7,670
21 years$35,551$28,417$22,517$17,705$13,830$6,573
22 years$33,577$26,526$20,752$16,098$12,396$5,639
23 years$31,778$24,809$19,161$14,660$11,128$4,842
24 years$30,131$23,245$17,721$13,371$10,002$4,161
25 years$28,618$21,814$16,413$12,211$9,000$3,579
26 years$27,223$20,502$15,222$11,165$8,107$3,079
27 years$25,934$19,294$14,135$10,220$7,309$2,651
28 years$24,739$18,181$13,141$9,364$6,595$2,283
29 years$23,629$17,152$12,228$8,587$5,955$1,967
30 years$22,595$16,198$11,390$7,880$5,381$1,696
31 years$21,629$15,312$10,619$7,238$4,865$1,462
32 years$20,726$14,489$9,908$6,652$4,401$1,260
33 years$19,878$13,721$9,251$6,117$3,983$1,087
34 years$19,083$13,004$8,643$5,628$3,606$938
35 years$18,335$12,334$8,081$5,181$3,266$809
36 years$17,629$11,707$7,560$4,771$2,959$698
37 years$16,964$11,119$7,076$4,396$2,682$602
38 years$16,335$10,567$6,626$4,052$2,431$520
39 years$15,740$10,048$6,208$3,736$2,205$449
40 years$15,175$9,560$5,819$3,446$2,000$387
41 years$14,640$9,100$5,456$3,179$1,814$334
42 years$14,132$8,667$5,118$2,934$1,646$289
43 years$13,649$8,258$4,802$2,709$1,494$249
44 years$13,188$7,871$4,508$2,501$1,356$215
45 years$12,750$7,506$4,233$2,310$1,231$186
46 years$12,332$7,161$3,976$2,134$1,118$160
47 years$11,933$6,833$3,735$1,971$1,015$138
48 years$11,551$6,523$3,510$1,821$922$120
49 years$11,186$6,229$3,299$1,683$837$103
50 years$10,837$5,951$3,102$1,556$760$89

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 $3,605 every year, while hoping to spend $45,559 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: 69/11/20 Blend
29$11,100,000$11,100,000$11,100,000$11,100,000
30$12,235,919$11,647,619$11,475,569$13,019,660
31$13,435,508$12,169,877$11,811,526$14,065,814
32$14,755,928$12,716,200$12,157,210$15,204,454
33$16,209,457$13,287,717$12,512,901$16,449,286
34$17,809,620$13,885,615$12,878,882$17,810,792
35$19,571,324$14,511,133$13,255,447$19,300,510
36$21,510,994$15,165,573$13,642,899$20,931,141
37$23,646,727$15,850,297$14,041,548$22,716,667
38$25,998,465$16,566,734$14,451,712$24,672,484
39$28,588,183$17,316,379$14,873,719$26,815,541
40$31,440,096$18,100,800$15,307,907$29,164,501
41$34,580,885$18,921,638$15,754,621$31,739,913
42$38,039,953$19,780,616$16,214,218$34,564,407
43$41,849,698$20,679,535$16,687,064$37,662,901
44$46,045,821$21,620,287$17,173,535$41,062,839
45$50,667,664$22,604,850$17,674,017$44,794,443
46$55,758,577$23,635,299$18,188,909$48,890,997
47$61,366,333$24,713,809$18,718,617$53,389,163
48$67,543,571$25,842,658$19,263,563$58,329,316
49$74,348,300$27,024,234$19,824,178$63,755,931
50$81,844,444$28,261,038$20,400,905$69,717,993
51$90,102,441$29,555,693$20,994,199$76,269,460
52$99,199,915$30,910,947$21,604,530$83,469,770
53$109,222,403$32,329,679$22,232,378$91,384,394
54$120,264,163$33,814,909$22,878,238$100,085,457
55$132,429,067$35,369,799$23,542,618$109,652,409
56$145,831,576$36,997,664$24,226,040$120,172,777
57$160,597,826$38,701,978$24,929,042$131,742,983
58$176,866,814$40,486,385$25,652,174$144,469,252
59$194,791,711$42,354,699$26,396,004$158,468,610
60$214,541,308$44,310,922$27,161,112$173,869,986
61$236,301,610$46,359,247$27,948,099$190,815,421
62$260,277,592$48,504,067$28,757,578$209,461,407
63$286,695,131$50,749,991$29,590,181$229,980,360
64$315,803,139$53,101,845$30,446,556$252,562,241
65$347,875,914$55,564,690$31,327,371$277,416,340
66$383,215,730$58,143,833$32,233,311$304,773,255
67$422,155,685$60,844,832$33,165,078$334,887,056
68$465,062,853$63,673,516$34,123,395$368,037,679
69$512,341,741$66,635,995$35,109,006$404,533,563
70$564,438,114$69,738,674$36,122,673$444,714,555
71$621,843,198$72,988,266$37,165,180$488,955,112
72$685,098,322$76,391,809$38,237,331$537,667,827
73$754,800,022$79,956,679$39,339,953$591,307,317
74$831,605,679$83,690,611$40,473,896$650,374,510
75$916,239,718$87,601,711$41,640,031$715,421,361
76$1,009,500,453$91,698,478$42,839,256$787,056,057
77$1,112,267,617$95,989,821$44,072,489$865,948,749
78$1,225,510,673$100,485,081$45,340,676$952,837,870
79$1,350,297,961$105,194,050$46,644,788$1,048,537,097
80$1,487,806,786$110,126,991$47,985,821$1,153,943,019
81$1,639,334,532$115,294,667$49,364,800$1,270,043,595
82$1,806,310,908$120,708,360$50,782,775$1,397,927,468
83$1,990,311,449$126,379,898$52,240,827$1,538,794,230
84$2,193,072,386$132,321,682$53,740,063$1,693,965,737
85$2,416,507,037$138,546,712$55,281,622$1,864,898,575
86$2,662,723,872$145,068,618$56,866,674$2,053,197,797
87$2,934,046,417$151,901,691$58,496,418$2,260,632,063
88$3,233,035,190$159,060,913$60,172,087$2,489,150,325
89$3,562,511,874$166,561,991$61,894,946$2,740,900,208
90$3,925,585,953$174,421,397$63,666,294$3,018,248,272
91$4,325,684,070$182,656,395$65,487,465$3,323,802,336
92$4,766,582,379$191,285,092$67,359,829$3,660,436,084
93$5,252,442,189$200,326,469$69,284,790$4,031,316,175
94$5,787,849,254$209,800,428$71,263,793$4,439,932,121
95$6,377,857,066$219,727,837$73,298,318$4,890,129,210
96$7,028,034,561$230,130,575$75,389,886$5,386,144,789
97$7,744,518,697$241,031,584$77,540,058$5,932,648,249
98$8,534,072,390$252,454,917$79,750,435$6,534,785,085
99$9,404,148,362$264,425,797$82,022,664$7,198,225,448
100$10,362,959,502$276,970,668$84,358,430$7,929,217,656