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%11.1%
1 years$27,003$26,763$26,528$26,299$26,075$25,955
2 years$13,368$13,119$12,878$12,644$12,417$12,295
3 years$8,823$8,573$8,333$8,101$7,878$7,758
4 years$6,552$6,302$6,064$5,836$5,618$5,503
5 years$5,189$4,941$4,706$4,483$4,271$4,159
6 years$4,281$4,035$3,803$3,585$3,380$3,272
7 years$3,632$3,388$3,160$2,947$2,748$2,645
8 years$3,146$2,905$2,680$2,473$2,280$2,181
9 years$2,768$2,529$2,309$2,106$1,920$1,825
10 years$2,466$2,229$2,013$1,815$1,636$1,545
11 years$2,219$1,984$1,772$1,580$1,407$1,320
12 years$2,013$1,781$1,573$1,386$1,219$1,136
13 years$1,839$1,610$1,405$1,223$1,063$984
14 years$1,690$1,463$1,262$1,086$932$856
15 years$1,561$1,337$1,140$969$821$748
16 years$1,449$1,226$1,033$867$725$657
17 years$1,349$1,129$940$779$643$578
18 years$1,261$1,044$858$702$572$510
19 years$1,182$967$786$635$510$451
20 years$1,111$899$721$575$455$400
21 years$1,047$837$663$522$407$355
22 years$989$781$611$474$365$315
23 years$936$731$564$432$328$281
24 years$888$685$522$394$295$250
25 years$843$643$484$360$265$223
26 years$802$604$448$329$239$200
27 years$764$568$416$301$215$178
28 years$729$536$387$276$194$160
29 years$696$505$360$253$175$143
30 years$666$477$336$232$159$128
31 years$637$451$313$213$143$115
32 years$611$427$292$196$130$103
33 years$586$404$273$180$117$92
34 years$562$383$255$166$106$83
35 years$540$363$238$153$96$74
36 years$519$345$223$141$87$67
37 years$500$328$208$130$79$60
38 years$481$311$195$119$72$54
39 years$464$296$183$110$65$48
40 years$447$282$171$102$59$43
41 years$431$268$161$94$53$39
42 years$416$255$151$86$49$35
43 years$402$243$141$80$44$32
44 years$389$232$133$74$40$28
45 years$376$221$125$68$36$25
46 years$363$211$117$63$33$23
47 years$352$201$110$58$30$21
48 years$340$192$103$54$27$19
49 years$330$184$97$50$25$17
50 years$319$175$91$46$22$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $327,000, adding $5,770 every year, while hoping to spend $22,874 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: 53/31/16 Blend
29$327,000$327,000$327,000$327,000
30$366,306$348,975$343,906$383,852
31$379,331$341,737$331,089$389,246
32$392,919$333,377$317,076$392,204
33$407,101$323,818$301,803$394,912
34$421,914$312,974$285,203$397,353
35$437,397$300,757$267,205$399,510
36$453,592$287,074$247,736$401,365
37$470,543$271,826$226,720$402,898
38$488,299$254,906$204,076$404,091
39$506,915$236,205$179,721$404,926
40$526,446$215,605$153,568$405,383
41$546,956$192,983$125,525$405,444
42$568,513$168,206$95,497$405,090
43$591,190$141,137$63,386$404,303
44$615,068$111,629$29,086$403,064
45$640,234$79,528$0$401,358
46$666,784$44,671$0$400,451
47$694,821$6,885$0$404,428
48$724,458$0$0$408,325
49$755,820$0$0$423,753
50$789,041$0$0$442,599
51$824,268$0$0$462,599
52$861,663$0$0$483,847
53$901,402$0$0$506,445
54$943,677$0$0$530,505
55$988,700$0$0$556,151
56$1,036,701$0$0$583,515
57$1,087,934$0$0$612,746
58$1,142,676$0$0$644,004
59$1,201,230$0$0$677,467
60$1,263,930$0$0$713,327
61$1,331,141$0$0$751,798
62$1,403,263$0$0$793,113
63$1,480,736$0$0$837,529
64$1,564,044$0$0$885,325
65$1,653,715$0$0$936,811
66$1,750,333$0$0$992,326
67$1,854,535$0$0$1,052,242
68$1,967,025$0$0$1,116,969
69$2,088,573$0$0$1,186,956
70$2,220,028$0$0$1,262,698
71$2,362,322$0$0$1,344,737
72$2,516,479$0$0$1,433,671
73$2,683,626$0$0$1,530,158
74$2,865,001$0$0$1,634,919
75$3,061,968$0$0$1,748,749
76$3,276,024$0$0$1,872,523
77$3,508,819$0$0$2,007,201
78$3,762,166$0$0$2,153,843
79$4,038,061$0$0$2,313,612
80$4,338,700$0$0$2,487,791
81$4,666,500$0$0$2,677,788
82$5,024,121$0$0$2,885,157
83$5,414,492$0$0$3,111,606
84$5,840,834$0$0$3,359,016
85$6,306,696$0$0$3,629,457
86$6,815,984$0$0$3,925,210
87$7,372,998$0$0$4,248,784
88$7,982,475$0$0$4,602,944
89$8,649,627$0$0$4,990,733
90$9,380,196$0$0$5,415,502
91$10,180,504$0$0$5,880,943
92$11,057,516$0$0$6,391,120
93$12,018,898$0$0$6,950,510
94$13,073,097$0$0$7,564,044
95$14,229,415$0$0$8,237,154
96$15,498,098$0$0$8,975,819
97$16,890,430$0$0$9,786,631
98$18,418,844$0$0$10,676,847
99$20,097,032$0$0$11,654,462
100$21,940,078$0$0$12,728,285