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%13.3%
1 years$949,659$941,200$932,947$924,892$917,026$904,443
2 years$470,128$461,373$452,887$444,660$436,679$424,024
3 years$310,306$301,512$293,048$284,898$277,047$264,713
4 years$230,410$221,643$213,264$205,253$197,592$185,675
5 years$182,485$173,771$165,501$157,654$150,207$138,740
6 years$150,546$141,897$133,750$126,077$118,853$107,852
7 years$127,741$119,165$111,147$103,655$96,660$86,127
8 years$110,645$102,146$94,261$86,953$80,188$70,123
9 years$97,355$88,937$81,187$74,065$67,530$57,927
10 years$86,729$78,393$70,781$63,845$57,539$48,392
11 years$78,041$69,789$62,314$55,564$49,486$40,785
12 years$70,806$62,639$55,302$48,737$42,883$34,620
13 years$64,689$56,607$49,409$43,028$37,395$29,557
14 years$59,451$51,454$44,394$38,195$32,780$25,356
15 years$54,914$47,005$40,082$34,063$28,862$21,839
16 years$50,949$43,126$36,340$30,500$25,509$18,873
17 years$47,454$39,717$33,068$27,404$22,618$16,357
18 years$44,351$36,701$30,187$24,697$20,111$14,210
19 years$41,578$34,014$27,635$22,315$17,925$12,370
20 years$39,085$31,607$25,362$20,211$16,011$10,788
21 years$36,832$29,441$23,328$18,343$14,328$9,422
22 years$34,787$27,482$21,500$16,678$12,843$8,240
23 years$32,923$25,703$19,852$15,189$11,529$7,215
24 years$31,216$24,082$18,359$13,853$10,362$6,324
25 years$29,649$22,600$17,005$12,651$9,324$5,547
26 years$28,204$21,240$15,771$11,568$8,399$4,870
27 years$26,869$19,990$14,645$10,588$7,572$4,278
28 years$25,631$18,836$13,614$9,701$6,833$3,760
29 years$24,481$17,770$12,669$8,896$6,170$3,306
30 years$23,409$16,782$11,801$8,164$5,575$2,909
31 years$22,408$15,864$11,002$7,498$5,040$2,560
32 years$21,472$15,011$10,265$6,891$4,559$2,254
33 years$20,595$14,215$9,584$6,337$4,126$1,985
34 years$19,771$13,473$8,955$5,831$3,736$1,749
35 years$18,995$12,779$8,372$5,367$3,384$1,541
36 years$18,265$12,129$7,832$4,943$3,066$1,358
37 years$17,575$11,520$7,331$4,555$2,779$1,197
38 years$16,923$10,948$6,865$4,198$2,519$1,055
39 years$16,307$10,410$6,432$3,871$2,284$930
40 years$15,722$9,905$6,028$3,570$2,072$820
41 years$15,168$9,428$5,653$3,294$1,880$723
42 years$14,641$8,979$5,302$3,040$1,706$638
43 years$14,140$8,555$4,976$2,806$1,548$563
44 years$13,664$8,155$4,670$2,591$1,405$496
45 years$13,209$7,777$4,385$2,393$1,276$438
46 years$12,776$7,419$4,119$2,210$1,158$386
47 years$12,363$7,080$3,870$2,042$1,052$341
48 years$11,967$6,758$3,636$1,887$955$301
49 years$11,590$6,454$3,418$1,744$867$265
50 years$11,228$6,165$3,213$1,612$788$234

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 $3,958 every year, while hoping to spend $32,936 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: 36/47/17 Blend
29$11,500,000$11,500,000$11,500,000$11,500,000
30$12,677,083$12,067,583$11,889,333$13,067,562
31$13,935,101$12,623,851$12,252,582$13,907,281
32$15,320,334$13,206,272$12,626,896$14,809,819
33$16,845,722$13,816,093$13,012,610$15,783,474
34$18,525,525$14,454,621$13,410,072$16,834,608
35$20,375,457$15,123,225$13,819,637$17,970,192
36$22,412,831$15,823,341$14,241,673$19,197,869
37$24,656,729$16,556,474$14,676,559$20,526,016
38$27,128,175$17,324,201$15,124,683$21,963,821
39$29,850,337$18,128,174$15,586,448$23,521,360
40$32,848,744$18,970,128$16,062,267$25,209,688
41$36,151,530$19,851,878$16,552,567$27,040,937
42$39,789,695$20,775,329$17,057,786$29,028,422
43$43,797,400$21,742,476$17,578,378$31,186,758
44$48,212,289$22,755,412$18,114,808$33,531,993
45$53,075,844$23,816,329$18,667,556$36,081,751
46$58,433,779$24,927,528$19,237,118$38,855,385
47$64,336,465$26,091,417$19,824,002$41,874,159
48$70,839,412$27,310,524$20,428,733$45,161,431
49$78,003,789$28,587,496$21,051,853$48,742,870
50$85,897,003$29,925,112$21,693,918$52,646,684
51$94,593,336$31,326,280$22,355,502$56,903,879
52$104,174,641$32,794,054$23,037,197$61,548,535
53$114,731,123$34,331,630$23,739,611$66,618,123
54$126,362,182$35,942,365$24,463,373$72,153,841
55$139,177,356$37,629,772$25,209,127$78,200,992
56$153,297,354$39,397,539$25,977,541$84,809,398
57$168,855,195$41,249,529$26,769,299$92,033,857
58$185,997,463$43,189,794$27,585,109$99,934,642
59$204,885,693$45,222,582$28,425,698$108,578,060
60$225,697,891$47,352,346$29,291,817$118,037,058
61$248,630,220$49,583,756$30,184,237$128,391,894
62$273,898,847$51,921,705$31,103,754$139,730,881
63$301,741,988$54,371,326$32,051,188$152,151,197
64$332,422,150$56,938,001$33,027,382$165,759,786
65$366,228,618$59,627,371$34,033,208$180,674,348
66$403,480,176$62,445,352$35,069,560$197,024,424
67$444,528,125$65,398,145$36,137,361$214,952,603
68$489,759,593$68,492,254$37,237,562$234,615,840
69$539,601,194$71,734,496$38,371,142$256,186,915
70$594,523,050$75,132,021$39,539,110$279,856,036
71$655,043,236$78,692,325$40,742,505$305,832,614
72$721,732,664$82,423,267$41,982,397$334,347,202
73$795,220,477$86,333,088$43,259,888$365,653,653
74$876,199,986$90,430,429$44,576,114$400,031,476
75$965,435,215$94,724,351$45,932,245$437,788,448
76$1,063,768,117$99,224,354$47,329,486$479,263,485
77$1,172,126,519$103,940,401$48,769,077$524,829,803
78$1,291,532,880$108,882,937$50,252,297$574,898,408
79$1,423,113,947$114,062,915$51,780,463$629,921,935
80$1,568,111,393$119,491,820$53,354,931$690,398,881
81$1,727,893,531$125,181,696$54,977,098$756,878,268
82$1,903,968,244$131,145,172$56,648,403$829,964,780
83$2,097,997,209$137,395,489$58,370,329$910,324,430
84$2,311,811,590$143,946,534$60,144,401$998,690,792
85$2,547,429,327$150,812,868$61,972,192$1,095,871,877
86$2,807,074,180$158,009,761$63,855,323$1,202,757,709
87$3,093,196,731$165,553,224$65,795,461$1,320,328,672
88$3,408,497,514$173,460,048$67,794,325$1,449,664,700
89$3,755,952,510$181,747,840$69,853,684$1,591,955,418
90$4,138,841,245$190,435,063$71,975,362$1,748,511,303
91$4,560,777,751$199,541,080$74,161,235$1,920,775,991
92$5,025,744,683$209,086,195$76,413,239$2,110,339,831
93$5,538,130,922$219,091,700$78,733,364$2,318,954,827
94$6,102,773,006$229,579,923$81,123,662$2,548,551,101
95$6,725,000,794$240,574,281$83,586,246$2,801,255,031
96$7,410,687,782$252,099,328$86,123,292$3,079,409,238
97$8,166,306,556$264,180,814$88,737,041$3,385,594,619
98$8,998,989,895$276,845,745$91,429,803$3,722,654,608
99$9,916,598,118$290,122,440$94,203,955$4,093,721,933
100$10,927,793,284$304,040,597$97,061,945$4,502,248,078