Can I retire at age 30 with 327,000?

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 $327,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$27,003$26,763$26,528$26,299$26,075$25,739
2 years$13,368$13,119$12,878$12,644$12,417$12,078
3 years$8,823$8,573$8,333$8,101$7,878$7,548
4 years$6,552$6,302$6,064$5,836$5,618$5,299
5 years$5,189$4,941$4,706$4,483$4,271$3,964
6 years$4,281$4,035$3,803$3,585$3,380$3,085
7 years$3,632$3,388$3,160$2,947$2,748$2,466
8 years$3,146$2,905$2,680$2,473$2,280$2,010
9 years$2,768$2,529$2,309$2,106$1,920$1,663
10 years$2,466$2,229$2,013$1,815$1,636$1,391
11 years$2,219$1,984$1,772$1,580$1,407$1,173
12 years$2,013$1,781$1,573$1,386$1,219$997
13 years$1,839$1,610$1,405$1,223$1,063$853
14 years$1,690$1,463$1,262$1,086$932$732
15 years$1,561$1,337$1,140$969$821$632
16 years$1,449$1,226$1,033$867$725$547
17 years$1,349$1,129$940$779$643$474
18 years$1,261$1,044$858$702$572$413
19 years$1,182$967$786$635$510$360
20 years$1,111$899$721$575$455$314
21 years$1,047$837$663$522$407$275
22 years$989$781$611$474$365$241
23 years$936$731$564$432$328$211
24 years$888$685$522$394$295$185
25 years$843$643$484$360$265$163
26 years$802$604$448$329$239$143
27 years$764$568$416$301$215$126
28 years$729$536$387$276$194$111
29 years$696$505$360$253$175$98
30 years$666$477$336$232$159$86
31 years$637$451$313$213$143$76
32 years$611$427$292$196$130$67
33 years$586$404$273$180$117$59
34 years$562$383$255$166$106$52
35 years$540$363$238$153$96$46
36 years$519$345$223$141$87$41
37 years$500$328$208$130$79$36
38 years$481$311$195$119$72$32
39 years$464$296$183$110$65$28
40 years$447$282$171$102$59$25
41 years$431$268$161$94$53$22
42 years$416$255$151$86$49$19
43 years$402$243$141$80$44$17
44 years$389$232$133$74$40$15
45 years$376$221$125$68$36$13
46 years$363$211$117$63$33$12
47 years$352$201$110$58$30$10
48 years$340$192$103$54$27$9
49 years$330$184$97$50$25$8
50 years$319$175$91$46$22$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $327,000, adding $6,656 every year, while hoping to spend $20,103 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: 43/44/13 Blend
29$327,000$327,000$327,000$327,000
30$367,220$349,889$344,820$381,355
31$383,287$345,644$334,982$387,659
32$400,319$340,517$324,141$391,953
33$418,393$334,444$312,241$396,165
34$437,594$327,357$299,226$400,294
35$458,014$319,183$285,036$404,342
36$479,754$309,846$269,607$408,315
37$502,925$299,264$252,875$412,217
38$527,648$287,352$234,771$416,058
39$554,055$274,020$215,223$419,850
40$582,292$259,170$194,157$423,607
41$612,519$242,703$171,494$427,346
42$644,910$224,509$147,153$431,092
43$679,658$204,477$121,049$434,870
44$716,972$182,485$93,093$438,713
45$757,084$158,408$63,193$442,660
46$800,247$132,110$31,250$446,757
47$846,739$103,451$0$451,055
48$896,868$72,281$0$456,012
49$950,968$38,443$0$465,955
50$1,009,408$1,768$0$476,644
51$1,072,596$0$0$488,190
52$1,140,975$0$0$519,077
53$1,215,037$0$0$553,492
54$1,295,320$0$0$590,834
55$1,382,416$0$0$631,382
56$1,476,979$0$0$675,445
57$1,579,724$0$0$723,362
58$1,691,439$0$0$775,506
59$1,812,993$0$0$832,286
60$1,945,340$0$0$894,155
61$2,089,530$0$0$961,610
62$2,246,720$0$0$1,035,197
63$2,418,180$0$0$1,115,518
64$2,605,311$0$0$1,203,235
65$2,809,655$0$0$1,299,079
66$3,032,908$0$0$1,403,852
67$3,276,938$0$0$1,518,439
68$3,543,801$0$0$1,643,812
69$3,835,761$0$0$1,781,043
70$4,155,312$0$0$1,931,314
71$4,505,199$0$0$2,095,923
72$4,888,444$0$0$2,276,302
73$5,308,378$0$0$2,474,027
74$5,768,666$0$0$2,690,835
75$6,273,347$0$0$2,928,638
76$6,826,868$0$0$3,189,542
77$7,434,128$0$0$3,475,867
78$8,100,522$0$0$3,790,168
79$8,831,994$0$0$4,135,260
80$9,635,090$0$0$4,514,245
81$10,517,023$0$0$4,930,537
82$11,485,736$0$0$5,387,900
83$12,549,981$0$0$5,890,479
84$13,719,400$0$0$6,442,842
85$15,004,612$0$0$7,050,018
86$16,417,320$0$0$7,717,552
87$17,970,415$0$0$8,451,549
88$19,678,099$0$0$9,258,739
89$21,556,019$0$0$10,146,534
90$23,621,417$0$0$11,123,101
91$25,893,285$0$0$12,197,440
92$28,392,553$0$0$13,379,463
93$31,142,277$0$0$14,680,097
94$34,167,864$0$0$16,111,377
95$37,497,307$0$0$17,686,565
96$41,161,450$0$0$19,420,276
97$45,194,276$0$0$21,328,609
98$49,633,234$0$0$23,429,308
99$54,519,582$0$0$25,741,922
100$59,898,787$0$0$28,287,991