Can I retire at age 30 with 11,500,000?

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 $11,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$949,659$941,200$932,947$924,892$917,026$911,247
2 years$470,128$461,373$452,887$444,660$436,679$430,850
3 years$310,306$301,512$293,048$284,898$277,047$271,348
4 years$230,410$221,643$213,264$205,253$197,592$192,067
5 years$182,485$173,771$165,501$157,654$150,207$144,872
6 years$150,546$141,897$133,750$126,077$118,853$113,716
7 years$127,741$119,165$111,147$103,655$96,660$91,722
8 years$110,645$102,146$94,261$86,953$80,188$75,450
9 years$97,355$88,937$81,187$74,065$67,530$62,991
10 years$86,729$78,393$70,781$63,845$57,539$53,196
11 years$78,041$69,789$62,314$55,564$49,486$45,336
12 years$70,806$62,639$55,302$48,737$42,883$38,923
13 years$64,689$56,607$49,409$43,028$37,395$33,621
14 years$59,451$51,454$44,394$38,195$32,780$29,187
15 years$54,914$47,005$40,082$34,063$28,862$25,446
16 years$50,949$43,126$36,340$30,500$25,509$22,264
17 years$47,454$39,717$33,068$27,404$22,618$19,539
18 years$44,351$36,701$30,187$24,697$20,111$17,194
19 years$41,578$34,014$27,635$22,315$17,925$15,164
20 years$39,085$31,607$25,362$20,211$16,011$13,400
21 years$36,832$29,441$23,328$18,343$14,328$11,861
22 years$34,787$27,482$21,500$16,678$12,843$10,515
23 years$32,923$25,703$19,852$15,189$11,529$9,334
24 years$31,216$24,082$18,359$13,853$10,362$8,295
25 years$29,649$22,600$17,005$12,651$9,324$7,379
26 years$28,204$21,240$15,771$11,568$8,399$6,570
27 years$26,869$19,990$14,645$10,588$7,572$5,855
28 years$25,631$18,836$13,614$9,701$6,833$5,221
29 years$24,481$17,770$12,669$8,896$6,170$4,659
30 years$23,409$16,782$11,801$8,164$5,575$4,159
31 years$22,408$15,864$11,002$7,498$5,040$3,715
32 years$21,472$15,011$10,265$6,891$4,559$3,320
33 years$20,595$14,215$9,584$6,337$4,126$2,967
34 years$19,771$13,473$8,955$5,831$3,736$2,654
35 years$18,995$12,779$8,372$5,367$3,384$2,374
36 years$18,265$12,129$7,832$4,943$3,066$2,124
37 years$17,575$11,520$7,331$4,555$2,779$1,901
38 years$16,923$10,948$6,865$4,198$2,519$1,702
39 years$16,307$10,410$6,432$3,871$2,284$1,524
40 years$15,722$9,905$6,028$3,570$2,072$1,364
41 years$15,168$9,428$5,653$3,294$1,880$1,222
42 years$14,641$8,979$5,302$3,040$1,706$1,095
43 years$14,140$8,555$4,976$2,806$1,548$981
44 years$13,664$8,155$4,670$2,591$1,405$879
45 years$13,209$7,777$4,385$2,393$1,276$787
46 years$12,776$7,419$4,119$2,210$1,158$706
47 years$12,363$7,080$3,870$2,042$1,052$632
48 years$11,967$6,758$3,636$1,887$955$567
49 years$11,590$6,454$3,418$1,744$867$508
50 years$11,228$6,165$3,213$1,612$788$455

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $11,500,000, adding $6,728 every year, while hoping to spend $23,668 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: 37/46/17 Blend
29$11,500,000$11,500,000$11,500,000$11,500,000
30$12,679,940$12,070,440$11,892,190$13,083,529
31$13,948,111$12,636,709$12,265,396$13,941,551
32$15,344,843$13,229,932$12,650,311$14,864,988
33$16,883,223$13,851,404$13,047,302$15,861,935
34$18,577,673$14,502,485$13,456,749$16,938,997
35$20,444,087$15,184,598$13,879,041$18,103,407
36$22,499,978$15,899,237$14,314,582$19,363,099
37$24,764,642$16,647,967$14,763,788$20,726,770
38$27,259,347$17,432,428$15,227,086$22,203,957
39$30,007,527$18,254,343$15,704,919$23,805,125
40$33,035,004$19,115,515$16,197,743$25,541,752
41$36,370,235$20,017,836$16,706,028$27,426,437
42$40,044,577$20,963,289$17,230,259$29,473,009
43$44,092,588$21,953,954$17,770,936$31,696,648
44$48,552,344$22,992,010$18,328,575$34,114,022
45$53,465,808$24,079,743$18,903,707$36,743,439
46$58,879,221$25,219,551$19,496,882$39,605,006
47$64,843,539$26,413,946$20,108,665$42,720,811
48$71,414,914$27,665,564$20,739,640$46,115,124
49$78,655,226$28,977,168$21,390,408$49,814,616
50$86,632,663$30,351,653$22,061,591$53,848,595
51$95,422,369$31,792,058$22,753,829$58,249,280
52$105,107,150$33,301,568$23,467,781$63,052,087
53$115,778,257$34,883,523$24,204,129$68,295,953
54$127,536,248$36,541,424$24,963,576$74,023,694
55$140,491,934$38,278,943$25,746,846$80,282,392
56$154,767,432$40,099,931$26,554,685$87,123,826
57$170,497,307$42,008,425$27,387,864$94,604,949
58$187,829,853$44,008,658$28,247,178$102,788,408
59$206,928,486$46,105,071$29,133,446$111,743,122
60$227,973,289$48,302,317$30,047,514$121,544,911
61$251,162,712$50,605,278$30,990,254$132,277,200
62$276,715,445$53,019,073$31,962,563$144,031,787
63$304,872,482$55,549,069$32,965,371$156,909,686
64$335,899,396$58,200,895$33,999,632$171,022,068
65$370,088,849$60,980,453$35,066,334$186,491,283
66$407,763,348$63,893,932$36,166,493$203,451,997
67$449,278,298$66,947,823$37,301,159$222,052,437
68$495,025,350$70,148,932$38,471,413$242,455,771
69$545,436,102$73,504,396$39,678,372$264,841,618
70$600,986,174$77,021,700$40,923,187$289,407,722
71$662,199,693$80,708,693$42,207,043$316,371,787
72$729,654,249$84,573,606$43,531,166$345,973,505
73$803,986,341$88,625,071$44,896,818$378,476,791
74$885,897,387$92,872,139$46,305,302$414,172,237
75$976,160,350$97,324,304$47,757,959$453,379,829
76$1,075,627,031$101,991,520$49,256,175$496,451,925
77$1,185,236,110$106,884,226$50,801,379$543,776,553
78$1,306,022,011$112,013,371$52,395,043$595,781,031
79$1,439,124,667$117,390,437$54,038,688$652,935,962
80$1,585,800,278$123,027,464$55,733,879$715,759,636
81$1,747,433,176$128,937,079$57,482,234$784,822,876
82$1,925,548,890$135,132,526$59,285,419$860,754,385
83$2,121,828,549$141,627,691$61,145,152$944,246,631
84$2,338,124,753$148,437,141$63,063,207$1,036,062,332
85$2,576,479,066$155,576,149$65,041,412$1,137,041,608
86$2,839,141,284$163,060,734$67,081,654$1,248,109,852
87$3,128,590,682$170,907,696$69,185,875$1,370,286,412
88$3,447,559,413$179,134,655$71,356,084$1,504,694,151
89$3,799,058,308$187,760,088$73,594,347$1,652,569,985
90$4,186,405,297$196,803,374$75,902,800$1,815,276,493
91$4,613,256,734$206,284,836$78,283,641$1,994,314,711
92$5,083,641,919$216,225,791$80,739,140$2,191,338,230
93$5,602,001,131$226,648,591$83,271,638$2,408,168,728
94$6,173,227,557$237,576,683$85,883,549$2,646,813,090
95$6,802,713,481$249,034,653$88,577,361$2,909,482,268
96$7,496,401,196$261,048,291$91,355,642$3,198,612,069
97$8,260,839,103$273,644,642$94,221,041$3,516,886,053
98$9,103,243,532$286,852,071$97,176,287$3,867,260,775
99$10,031,566,878$300,700,327$100,224,197$4,252,993,594
100$11,054,572,668$315,220,612$103,367,677$4,677,673,318