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%12.7%
1 years$916,628$908,463$900,497$892,722$885,130$875,158
2 years$453,776$445,325$437,134$429,193$421,490$411,452
3 years$299,512$291,025$282,855$274,988$267,411$257,617
4 years$222,396$213,934$205,846$198,114$190,720$181,246
5 years$176,138$167,727$159,745$152,170$144,982$135,856
6 years$145,309$136,962$129,098$121,692$114,719$105,953
7 years$123,297$115,020$107,281$100,049$93,298$84,893
8 years$106,796$98,593$90,983$83,929$77,399$69,357
9 years$93,968$85,843$78,363$71,489$65,181$57,498
10 years$83,712$75,667$68,319$61,624$55,538$48,208
11 years$75,327$67,362$60,147$53,631$47,764$40,782
12 years$68,343$60,460$53,379$47,042$41,392$34,750
13 years$62,439$54,638$47,690$41,531$36,094$29,785
14 years$57,383$49,665$42,850$36,867$31,640$25,654
15 years$53,004$45,370$38,688$32,879$27,858$22,186
16 years$49,177$41,626$35,076$29,439$24,621$19,252
17 years$45,804$38,336$31,918$26,451$21,831$16,756
18 years$42,808$35,424$29,137$23,838$19,411$14,619
19 years$40,132$32,831$26,673$21,539$17,302$12,782
20 years$37,725$30,508$24,480$19,508$15,454$11,197
21 years$35,551$28,417$22,517$17,705$13,830$9,824
22 years$33,577$26,526$20,752$16,098$12,396$8,631
23 years$31,778$24,809$19,161$14,660$11,128$7,592
24 years$30,131$23,245$17,721$13,371$10,002$6,685
25 years$28,618$21,814$16,413$12,211$9,000$5,891
26 years$27,223$20,502$15,222$11,165$8,107$5,197
27 years$25,934$19,294$14,135$10,220$7,309$4,587
28 years$24,739$18,181$13,141$9,364$6,595$4,051
29 years$23,629$17,152$12,228$8,587$5,955$3,580
30 years$22,595$16,198$11,390$7,880$5,381$3,165
31 years$21,629$15,312$10,619$7,238$4,865$2,799
32 years$20,726$14,489$9,908$6,652$4,401$2,477
33 years$19,878$13,721$9,251$6,117$3,983$2,192
34 years$19,083$13,004$8,643$5,628$3,606$1,941
35 years$18,335$12,334$8,081$5,181$3,266$1,719
36 years$17,629$11,707$7,560$4,771$2,959$1,522
37 years$16,964$11,119$7,076$4,396$2,682$1,349
38 years$16,335$10,567$6,626$4,052$2,431$1,195
39 years$15,740$10,048$6,208$3,736$2,205$1,059
40 years$15,175$9,560$5,819$3,446$2,000$939
41 years$14,640$9,100$5,456$3,179$1,814$832
42 years$14,132$8,667$5,118$2,934$1,646$738
43 years$13,649$8,258$4,802$2,709$1,494$654
44 years$13,188$7,871$4,508$2,501$1,356$580
45 years$12,750$7,506$4,233$2,310$1,231$514
46 years$12,332$7,161$3,976$2,134$1,118$456
47 years$11,933$6,833$3,735$1,971$1,015$405
48 years$11,551$6,523$3,510$1,821$922$359
49 years$11,186$6,229$3,299$1,683$837$318
50 years$10,837$5,951$3,102$1,556$760$282

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 $3,103 every year, while hoping to spend $22,226 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: 82/10/8 Blend
29$11,100,000$11,100,000$11,100,000$11,100,000
30$12,235,401$11,647,101$11,475,051$13,226,644
31$13,459,763$12,194,160$11,835,817$14,422,690
32$14,808,266$12,767,281$12,207,923$15,732,205
33$16,293,548$13,367,716$12,591,727$17,169,154
34$17,929,535$13,996,780$12,987,596$18,746,289
35$19,731,576$14,655,851$13,395,909$20,477,656
36$21,716,582$15,346,372$13,817,056$22,378,720
37$23,903,188$16,069,860$14,251,443$24,466,513
38$26,311,931$16,827,900$14,699,484$26,759,794
39$28,965,440$17,622,160$15,161,609$29,279,222
40$31,888,653$18,454,383$15,638,260$32,047,550
41$35,109,048$19,326,401$16,129,895$35,089,841
42$38,656,908$20,240,131$16,636,983$38,433,698
43$42,565,602$21,197,587$17,160,012$42,109,527
44$46,871,902$22,200,877$17,699,480$46,150,819
45$51,616,329$23,252,214$18,255,907$50,594,466
46$56,843,539$24,353,916$18,829,823$55,481,106
47$62,602,737$25,508,415$19,421,780$60,855,506
48$68,948,150$26,718,262$20,032,343$66,766,981
49$75,939,533$27,986,128$20,662,099$73,269,857
50$83,642,736$29,314,819$21,311,649$80,423,982
51$92,130,322$30,707,272$21,981,616$88,295,288
52$101,482,257$32,166,570$22,672,642$96,956,411
53$111,786,660$33,695,945$23,385,389$106,487,374
54$123,140,639$35,298,786$24,120,539$116,976,338
55$135,651,203$36,978,646$24,878,797$128,520,433
56$149,436,277$38,739,251$25,660,887$141,226,671
57$164,625,811$40,584,508$26,467,561$155,212,952
58$181,363,009$42,518,514$27,299,589$170,609,176
59$199,805,680$44,545,565$28,157,770$187,558,460
60$220,127,729$46,670,167$29,042,924$206,218,493
61$242,520,795$48,897,043$29,955,900$226,763,015
62$267,196,065$51,231,147$30,897,572$249,383,453
63$294,386,265$53,677,674$31,868,841$274,290,728
64$324,347,855$56,242,072$32,870,639$301,717,236
65$357,363,454$58,930,051$33,903,923$331,919,043
66$393,744,506$61,747,604$34,969,684$365,178,290
67$433,834,220$64,701,010$36,068,943$401,805,859
68$478,010,810$67,796,859$37,202,752$442,144,298
69$526,691,065$71,042,058$38,372,196$486,571,049
70$580,334,285$74,443,850$39,578,397$535,502,006
71$639,446,617$78,009,833$40,822,507$589,395,436
72$704,585,831$81,747,974$42,105,721$648,756,297
73$776,366,588$85,666,627$43,429,265$714,141,000
74$855,466,242$89,774,554$44,794,407$786,162,653
75$942,631,234$94,080,942$46,202,455$865,496,842
76$1,038,684,139$98,595,428$47,654,756$952,888,001
77$1,144,531,433$103,328,116$49,152,702$1,049,156,433
78$1,261,172,048$108,289,603$50,697,727$1,155,206,044
79$1,389,706,806$113,491,002$52,291,310$1,272,032,869
80$1,531,348,809$118,943,970$53,934,978$1,400,734,464
81$1,687,434,891$124,660,728$55,630,303$1,542,520,259
82$1,859,438,241$130,654,095$57,378,909$1,698,722,966
83$2,048,982,310$136,937,514$59,182,471$1,870,811,149
84$2,257,856,138$143,525,084$61,042,716$2,060,403,076
85$2,488,031,241$150,431,590$62,961,424$2,269,281,989
86$2,741,680,228$157,672,539$64,940,432$2,499,412,923
87$3,021,197,312$165,264,193$66,981,637$2,752,961,245
88$3,329,220,907$173,223,608$69,086,991$3,032,313,086
89$3,668,658,545$181,568,670$71,258,511$3,340,097,849
90$4,042,714,321$190,318,139$73,498,275$3,679,213,024
91$4,454,919,143$199,491,690$75,808,429$4,052,851,522
92$4,909,164,068$209,109,955$78,191,183$4,464,531,805
93$5,409,737,035$219,194,575$80,648,820$4,918,131,086
94$5,961,363,349$229,768,245$83,183,692$5,417,921,914
95$6,569,250,291$240,854,770$85,798,226$5,968,612,496
96$7,239,136,279$252,479,112$88,494,925$6,575,391,121
97$7,977,345,045$264,667,454$91,276,371$7,243,975,128
98$8,790,845,337$277,447,257$94,145,227$7,980,664,856
99$9,687,316,708$290,847,319$97,104,239$8,792,403,107
100$10,675,222,021$304,897,847$100,156,240$9,686,840,664