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

Use the below retirement simulation to view the chances of a successful retirement.
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%14.7%
1 years$949,659$941,200$932,947$924,892$917,026$899,246
2 years$470,128$461,373$452,887$444,660$436,679$418,839
3 years$310,306$301,512$293,048$284,898$277,047$259,702
4 years$230,410$221,643$213,264$205,253$197,592$180,876
5 years$182,485$173,771$165,501$157,654$150,207$134,167
6 years$150,546$141,897$133,750$126,077$118,853$103,508
7 years$127,741$119,165$111,147$103,655$96,660$82,012
8 years$110,645$102,146$94,261$86,953$80,188$66,235
9 years$97,355$88,937$81,187$74,065$67,530$54,262
10 years$86,729$78,393$70,781$63,845$57,539$44,943
11 years$78,041$69,789$62,314$55,564$49,486$37,547
12 years$70,806$62,639$55,302$48,737$42,883$31,585
13 years$64,689$56,607$49,409$43,028$37,395$26,719
14 years$59,451$51,454$44,394$38,195$32,780$22,707
15 years$54,914$47,005$40,082$34,063$28,862$19,370
16 years$50,949$43,126$36,340$30,500$25,509$16,576
17 years$47,454$39,717$33,068$27,404$22,618$14,223
18 years$44,351$36,701$30,187$24,697$20,111$12,232
19 years$41,578$34,014$27,635$22,315$17,925$10,539
20 years$39,085$31,607$25,362$20,211$16,011$9,096
21 years$36,832$29,441$23,328$18,343$14,328$7,861
22 years$34,787$27,482$21,500$16,678$12,843$6,801
23 years$32,923$25,703$19,852$15,189$11,529$5,891
24 years$31,216$24,082$18,359$13,853$10,362$5,107
25 years$29,649$22,600$17,005$12,651$9,324$4,430
26 years$28,204$21,240$15,771$11,568$8,399$3,846
27 years$26,869$19,990$14,645$10,588$7,572$3,341
28 years$25,631$18,836$13,614$9,701$6,833$2,903
29 years$24,481$17,770$12,669$8,896$6,170$2,524
30 years$23,409$16,782$11,801$8,164$5,575$2,195
31 years$22,408$15,864$11,002$7,498$5,040$1,910
32 years$21,472$15,011$10,265$6,891$4,559$1,662
33 years$20,595$14,215$9,584$6,337$4,126$1,447
34 years$19,771$13,473$8,955$5,831$3,736$1,259
35 years$18,995$12,779$8,372$5,367$3,384$1,097
36 years$18,265$12,129$7,832$4,943$3,066$955
37 years$17,575$11,520$7,331$4,555$2,779$832
38 years$16,923$10,948$6,865$4,198$2,519$725
39 years$16,307$10,410$6,432$3,871$2,284$631
40 years$15,722$9,905$6,028$3,570$2,072$550
41 years$15,168$9,428$5,653$3,294$1,880$479
42 years$14,641$8,979$5,302$3,040$1,706$418
43 years$14,140$8,555$4,976$2,806$1,548$364
44 years$13,664$8,155$4,670$2,591$1,405$317
45 years$13,209$7,777$4,385$2,393$1,276$277
46 years$12,776$7,419$4,119$2,210$1,158$241
47 years$12,363$7,080$3,870$2,042$1,052$210
48 years$11,967$6,758$3,636$1,887$955$183
49 years$11,590$6,454$3,418$1,744$867$160
50 years$11,228$6,165$3,213$1,612$788$139

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 $2,569 every year, while hoping to spend $49,319 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: 75/11/14 Blend
29$11,500,000$11,500,000$11,500,000$11,500,000
30$12,675,650$12,066,150$11,887,900$13,588,569
31$13,916,091$12,604,916$12,233,670$14,730,764
32$15,281,404$13,168,429$12,589,369$15,975,828
33$16,784,275$13,757,849$12,955,280$17,339,055
34$18,438,679$14,374,392$13,331,690$18,832,178
35$20,260,018$15,019,331$13,718,896$20,468,116
36$22,265,263$15,694,001$14,117,202$22,261,094
37$24,473,112$16,399,800$14,526,921$24,226,773
38$26,904,171$17,138,192$14,948,374$26,382,399
39$29,581,145$17,910,711$15,381,893$28,746,962
40$32,529,051$18,718,965$15,827,815$31,341,375
41$35,775,458$19,564,638$16,286,491$34,188,667
42$39,350,745$20,449,496$16,758,279$37,314,204
43$43,288,386$21,375,386$17,243,546$40,745,917
44$47,625,268$22,344,247$17,742,672$44,514,574
45$52,402,039$23,358,108$18,256,045$48,654,058
46$57,663,488$24,419,097$18,784,064$53,201,693
47$63,458,973$25,529,442$19,327,139$58,198,590
48$69,842,883$26,691,479$19,885,692$63,690,031
49$76,875,151$27,907,655$20,460,157$69,725,896
50$84,621,821$29,180,535$21,050,977$76,361,133
51$93,155,672$30,512,807$21,658,610$83,656,268
52$102,556,902$31,907,286$22,283,525$91,677,979
53$112,913,888$33,366,924$22,926,205$100,499,719
54$124,324,015$34,894,815$23,587,143$110,202,407
55$136,894,602$36,494,198$24,266,850$120,875,189
56$150,743,910$38,168,472$24,965,848$132,616,275
57$166,002,257$39,921,196$25,684,673$145,533,864
58$182,813,254$41,756,101$26,423,876$159,747,158
59$201,335,154$43,677,098$27,184,024$175,387,489
60$221,742,348$45,688,285$27,965,697$192,599,547
61$244,227,013$47,793,956$28,769,493$211,542,749
62$269,000,923$49,998,614$29,596,026$232,392,735
63$296,297,448$52,306,977$30,445,924$255,343,021
64$326,373,760$54,723,991$31,319,834$280,606,823
65$359,513,255$57,254,838$32,218,420$308,419,065
66$396,028,234$59,904,952$33,142,364$339,038,588
67$436,262,846$62,680,027$34,092,365$372,750,591
68$480,596,341$65,586,033$35,069,144$409,869,315
69$529,446,644$68,629,225$36,073,437$450,741,007
70$583,274,307$71,816,162$37,106,002$495,747,178
71$642,586,851$75,153,719$38,167,618$545,308,201
72$707,943,559$78,649,101$39,259,083$599,887,272
73$779,960,756$82,309,861$40,381,216$659,994,772
74$859,317,627$86,143,917$41,534,860$726,193,084
75$946,762,625$90,159,570$42,720,879$799,101,890
76$1,043,120,544$94,365,519$43,940,159$879,404,012
77$1,149,300,296$98,770,886$45,193,611$967,851,852
78$1,266,303,499$103,385,232$46,482,169$1,065,274,486
79$1,395,233,927$108,218,581$47,806,794$1,172,585,480
80$1,537,307,935$113,281,438$49,168,468$1,290,791,505
81$1,693,865,936$118,584,820$50,568,203$1,421,001,832
82$1,866,385,060$124,140,275$52,007,037$1,564,438,792
83$2,056,493,095$129,959,908$53,486,032$1,722,449,302
84$2,265,983,858$136,056,410$55,006,281$1,896,517,576
85$2,496,834,126$142,443,089$56,568,906$2,088,279,118
86$2,751,222,298$149,133,891$58,175,055$2,299,536,152
87$3,031,548,963$156,143,443$59,825,911$2,532,274,623
88$3,340,459,561$163,487,075$61,522,682$2,788,682,932
89$3,680,869,357$171,180,862$63,266,612$3,071,172,582
90$4,055,990,964$179,241,657$65,058,976$3,382,400,927
91$4,469,364,672$187,687,128$66,901,082$3,725,296,246
92$4,924,891,871$196,535,800$68,794,271$4,103,085,370
93$5,426,871,883$205,807,095$70,739,920$4,519,324,129
94$5,980,042,548$215,521,376$72,739,440$4,977,930,905
95$6,589,624,958$225,699,993$74,794,282$5,483,223,602
96$7,261,372,743$236,365,332$76,905,930$6,039,960,396
97$8,001,626,393$247,540,863$79,075,908$6,653,384,631
98$8,817,373,114$259,251,195$81,305,780$7,329,274,299
99$9,716,312,796$271,522,128$83,597,148$8,073,996,571
100$10,706,930,707$284,380,718$85,951,658$8,894,567,880