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%18.9%
1 years$949,659$941,200$932,947$924,892$917,026$884,138
2 years$470,128$461,373$452,887$444,660$436,679$403,900
3 years$310,306$301,512$293,048$284,898$277,047$245,408
4 years$230,410$221,643$213,264$205,253$197,592$167,335
5 years$182,485$173,771$165,501$157,654$150,207$121,410
6 years$150,546$141,897$133,750$126,077$118,853$91,539
7 years$127,741$119,165$111,147$103,655$96,660$70,821
8 years$110,645$102,146$94,261$86,953$80,188$55,804
9 years$97,355$88,937$81,187$74,065$67,530$44,568
10 years$86,729$78,393$70,781$63,845$57,539$35,959
11 years$78,041$69,789$62,314$55,564$49,486$29,243
12 years$70,806$62,639$55,302$48,737$42,883$23,929
13 years$64,689$56,607$49,409$43,028$37,395$19,677
14 years$59,451$51,454$44,394$38,195$32,780$16,245
15 years$54,914$47,005$40,082$34,063$28,862$13,455
16 years$50,949$43,126$36,340$30,500$25,509$11,173
17 years$47,454$39,717$33,068$27,404$22,618$9,298
18 years$44,351$36,701$30,187$24,697$20,111$7,752
19 years$41,578$34,014$27,635$22,315$17,925$6,472
20 years$39,085$31,607$25,362$20,211$16,011$5,410
21 years$36,832$29,441$23,328$18,343$14,328$4,527
22 years$34,787$27,482$21,500$16,678$12,843$3,791
23 years$32,923$25,703$19,852$15,189$11,529$3,177
24 years$31,216$24,082$18,359$13,853$10,362$2,664
25 years$29,649$22,600$17,005$12,651$9,324$2,235
26 years$28,204$21,240$15,771$11,568$8,399$1,875
27 years$26,869$19,990$14,645$10,588$7,572$1,575
28 years$25,631$18,836$13,614$9,701$6,833$1,322
29 years$24,481$17,770$12,669$8,896$6,170$1,111
30 years$23,409$16,782$11,801$8,164$5,575$933
31 years$22,408$15,864$11,002$7,498$5,040$784
32 years$21,472$15,011$10,265$6,891$4,559$659
33 years$20,595$14,215$9,584$6,337$4,126$554
34 years$19,771$13,473$8,955$5,831$3,736$466
35 years$18,995$12,779$8,372$5,367$3,384$391
36 years$18,265$12,129$7,832$4,943$3,066$329
37 years$17,575$11,520$7,331$4,555$2,779$277
38 years$16,923$10,948$6,865$4,198$2,519$233
39 years$16,307$10,410$6,432$3,871$2,284$196
40 years$15,722$9,905$6,028$3,570$2,072$164
41 years$15,168$9,428$5,653$3,294$1,880$138
42 years$14,641$8,979$5,302$3,040$1,706$116
43 years$14,140$8,555$4,976$2,806$1,548$98
44 years$13,664$8,155$4,670$2,591$1,405$82
45 years$13,209$7,777$4,385$2,393$1,276$69
46 years$12,776$7,419$4,119$2,210$1,158$58
47 years$12,363$7,080$3,870$2,042$1,052$49
48 years$11,967$6,758$3,636$1,887$955$41
49 years$11,590$6,454$3,418$1,744$867$35
50 years$11,228$6,165$3,213$1,612$788$29

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 $4,841 every year, while hoping to spend $59,420 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: 24/50/26 Blend
29$11,500,000$11,500,000$11,500,000$11,500,000
30$12,677,993$12,068,493$11,890,243$12,877,740
31$13,907,926$12,596,627$12,225,344$13,574,019
32$15,261,321$13,148,648$12,569,679$14,314,141
33$16,750,708$13,725,664$12,923,495$15,105,891
34$18,389,893$14,328,834$13,287,045$15,953,597
35$20,194,089$14,959,374$13,660,589$16,861,990
36$22,180,059$15,618,556$14,044,391$17,836,242
37$24,366,272$16,307,712$14,438,725$18,882,010
38$26,773,080$17,028,239$14,843,871$20,005,483
39$29,422,908$17,781,596$15,260,114$21,213,438
40$32,340,466$18,569,316$15,687,750$22,513,289
41$35,552,982$19,393,001$16,127,078$23,913,163
42$39,090,460$20,254,332$16,578,409$25,421,956
43$42,985,958$21,155,066$17,042,057$27,049,421
44$47,275,909$22,097,047$17,518,349$28,806,247
45$52,000,454$23,082,204$18,007,615$30,704,153
46$57,203,828$24,112,560$18,510,198$32,755,989
47$62,934,775$25,190,232$19,026,447$34,975,853
48$69,247,007$26,317,439$19,556,718$37,379,210
49$76,199,713$27,496,505$20,101,380$39,983,033
50$83,858,115$28,729,865$20,660,807$42,805,949
51$92,294,084$30,020,069$21,235,385$45,868,408
52$101,586,818$31,369,790$21,825,508$49,192,865
53$111,823,592$32,781,828$22,431,581$52,803,979
54$123,100,577$34,259,116$23,054,017$56,728,835
55$135,523,749$35,804,726$23,693,241$60,997,189
56$149,209,893$37,421,880$24,349,686$65,641,732
57$164,287,700$39,113,949$25,023,798$70,698,391
58$180,898,982$40,884,470$25,716,032$76,206,648
59$199,200,014$42,737,145$26,426,855$82,209,904
60$219,363,006$44,675,855$27,156,745$88,755,868
61$241,577,727$46,704,666$27,906,190$95,896,995
62$266,053,300$48,827,840$28,675,693$103,690,964
63$293,020,173$51,049,840$29,465,765$112,201,202
64$322,732,295$53,375,346$30,276,931$121,497,470
65$355,469,510$55,809,260$31,109,730$131,656,498
66$391,540,205$58,356,718$31,964,711$142,762,689
67$431,284,214$61,023,106$32,842,437$154,908,899
68$475,076,030$63,814,064$33,743,485$168,197,287
69$523,328,337$66,735,505$34,668,444$182,740,261
70$576,495,908$69,793,625$35,617,917$198,661,510
71$635,079,896$72,994,918$36,592,522$216,097,153
72$699,632,564$76,346,188$37,592,891$235,196,990
73$770,762,502$79,854,568$38,619,669$256,125,896
74$849,140,368$83,527,532$39,673,518$279,065,346
75$935,505,218$87,372,914$40,755,114$304,215,096
76$1,030,671,488$91,398,924$41,865,148$331,795,041
77$1,135,536,677$95,614,169$43,004,327$362,047,255
78$1,251,089,821$100,027,666$44,173,375$395,238,243
79$1,378,420,830$104,648,869$45,373,031$431,661,422
80$1,518,730,778$109,487,687$46,604,050$471,639,853
81$1,673,343,237$114,554,503$47,867,206$515,529,250
82$1,843,716,778$119,860,205$49,163,288$563,721,296
83$2,031,458,735$125,416,200$50,493,103$616,647,301
84$2,238,340,381$131,234,449$51,857,477$674,782,228
85$2,466,313,649$137,327,486$53,257,253$738,649,124
86$2,717,529,562$143,708,453$54,693,291$808,824,017
87$2,994,358,533$150,391,123$56,166,472$885,941,295
88$3,299,412,749$157,389,934$57,677,694$970,699,643
89$3,635,570,828$164,720,020$59,227,876$1,063,868,585
90$4,006,004,999$172,397,247$60,817,956$1,166,295,684
91$4,414,211,042$180,438,246$62,448,891$1,278,914,487
92$4,864,041,298$188,860,449$64,121,658$1,402,753,267
93$5,359,741,033$197,682,134$65,837,256$1,538,944,666
94$5,905,988,518$206,922,458$67,596,704$1,688,736,318
95$6,507,939,194$216,601,505$69,401,041$1,853,502,547
96$7,171,274,344$226,740,332$71,251,328$2,034,757,269
97$7,902,254,728$237,361,009$73,148,649$2,234,168,198
98$8,707,779,689$248,486,677$75,094,107$2,453,572,507
99$9,595,452,288$260,141,595$77,088,830$2,694,994,080
100$10,573,651,082$272,351,194$79,133,967$2,960,662,527