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%11.3%
1 years$27,003$26,763$26,528$26,299$26,075$25,933
2 years$13,368$13,119$12,878$12,644$12,417$12,273
3 years$8,823$8,573$8,333$8,101$7,878$7,737
4 years$6,552$6,302$6,064$5,836$5,618$5,482
5 years$5,189$4,941$4,706$4,483$4,271$4,139
6 years$4,281$4,035$3,803$3,585$3,380$3,253
7 years$3,632$3,388$3,160$2,947$2,748$2,626
8 years$3,146$2,905$2,680$2,473$2,280$2,163
9 years$2,768$2,529$2,309$2,106$1,920$1,808
10 years$2,466$2,229$2,013$1,815$1,636$1,529
11 years$2,219$1,984$1,772$1,580$1,407$1,304
12 years$2,013$1,781$1,573$1,386$1,219$1,121
13 years$1,839$1,610$1,405$1,223$1,063$970
14 years$1,690$1,463$1,262$1,086$932$843
15 years$1,561$1,337$1,140$969$821$736
16 years$1,449$1,226$1,033$867$725$645
17 years$1,349$1,129$940$779$643$567
18 years$1,261$1,044$858$702$572$499
19 years$1,182$967$786$635$510$441
20 years$1,111$899$721$575$455$390
21 years$1,047$837$663$522$407$346
22 years$989$781$611$474$365$307
23 years$936$731$564$432$328$273
24 years$888$685$522$394$295$243
25 years$843$643$484$360$265$217
26 years$802$604$448$329$239$193
27 years$764$568$416$301$215$172
28 years$729$536$387$276$194$154
29 years$696$505$360$253$175$138
30 years$666$477$336$232$159$123
31 years$637$451$313$213$143$110
32 years$611$427$292$196$130$99
33 years$586$404$273$180$117$88
34 years$562$383$255$166$106$79
35 years$540$363$238$153$96$71
36 years$519$345$223$141$87$63
37 years$500$328$208$130$79$57
38 years$481$311$195$119$72$51
39 years$464$296$183$110$65$46
40 years$447$282$171$102$59$41
41 years$431$268$161$94$53$37
42 years$416$255$151$86$49$33
43 years$402$243$141$80$44$30
44 years$389$232$133$74$40$27
45 years$376$221$125$68$36$24
46 years$363$211$117$63$33$21
47 years$352$201$110$58$30$19
48 years$340$192$103$54$27$17
49 years$330$184$97$50$25$16
50 years$319$175$91$46$22$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $327,000, adding $4,950 every year, while hoping to spend $30,347 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: 82/6/12 Blend
29$327,000$327,000$327,000$327,000
30$365,460$348,129$343,060$394,239
31$370,448$332,898$322,264$398,597
32$374,927$315,904$299,754$398,875
33$378,815$297,028$275,440$398,280
34$382,017$276,145$249,230$396,706
35$384,429$253,123$221,026$394,040
36$385,935$227,821$190,725$390,155
37$386,408$200,091$158,221$384,913
38$385,703$169,777$123,404$378,162
39$383,663$136,715$86,156$369,733
40$380,112$100,729$46,357$359,441
41$374,853$61,635$3,880$347,082
42$367,672$19,238$0$332,433
43$358,327$0$0$320,555
44$346,553$0$0$308,503
45$332,057$0$0$295,256
46$314,511$0$0$279,250
47$293,556$0$0$260,159
48$268,793$0$0$237,621
49$239,782$0$0$211,239
50$206,033$0$0$180,571
51$167,009$0$0$145,130
52$122,112$0$0$104,378
53$70,686$0$0$57,719
54$12,002$0$0$4,496
55$0$0$0$0
56$0$0$0$0
57$0$0$0$0
58$0$0$0$0
59$0$0$0$0
60$0$0$0$0
61$0$0$0$0
62$0$0$0$0
63$0$0$0$0
64$0$0$0$0
65$0$0$0$0
66$0$0$0$0
67$0$0$0$0
68$0$0$0$0
69$0$0$0$0
70$0$0$0$0
71$0$0$0$0
72$0$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0