Can I retire at age 30 with 375,000?

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 $375,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$30,967$30,691$30,422$30,160$29,903$29,702
2 years$15,330$15,045$14,768$14,500$14,240$14,037
3 years$10,119$9,832$9,556$9,290$9,034$8,836
4 years$7,513$7,227$6,954$6,693$6,443$6,251
5 years$5,951$5,666$5,397$5,141$4,898$4,713
6 years$4,909$4,627$4,361$4,111$3,876$3,697
7 years$4,165$3,886$3,624$3,380$3,152$2,980
8 years$3,608$3,331$3,074$2,835$2,615$2,450
9 years$3,175$2,900$2,647$2,415$2,202$2,045
10 years$2,828$2,556$2,308$2,082$1,876$1,726
11 years$2,545$2,276$2,032$1,812$1,614$1,470
12 years$2,309$2,043$1,803$1,589$1,398$1,261
13 years$2,109$1,846$1,611$1,403$1,219$1,089
14 years$1,939$1,678$1,448$1,245$1,069$944
15 years$1,791$1,533$1,307$1,111$941$823
16 years$1,661$1,406$1,185$995$832$719
17 years$1,547$1,295$1,078$894$738$631
18 years$1,446$1,197$984$805$656$555
19 years$1,356$1,109$901$728$585$489
20 years$1,275$1,031$827$659$522$432
21 years$1,201$960$761$598$467$382
22 years$1,134$896$701$544$419$338
23 years$1,074$838$647$495$376$300
24 years$1,018$785$599$452$338$266
25 years$967$737$554$413$304$237
26 years$920$693$514$377$274$211
27 years$876$652$478$345$247$188
28 years$836$614$444$316$223$167
29 years$798$579$413$290$201$149
30 years$763$547$385$266$182$133
31 years$731$517$359$245$164$119
32 years$700$489$335$225$149$106
33 years$672$464$313$207$135$95
34 years$645$439$292$190$122$85
35 years$619$417$273$175$110$76
36 years$596$396$255$161$100$68
37 years$573$376$239$149$91$60
38 years$552$357$224$137$82$54
39 years$532$339$210$126$74$48
40 years$513$323$197$116$68$43
41 years$495$307$184$107$61$39
42 years$477$293$173$99$56$35
43 years$461$279$162$92$50$31
44 years$446$266$152$84$46$28
45 years$431$254$143$78$42$25
46 years$417$242$134$72$38$22
47 years$403$231$126$67$34$20
48 years$390$220$119$62$31$18
49 years$378$210$111$57$28$16
50 years$366$201$105$53$26$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $375,000, adding $4,185 every year, while hoping to spend $27,589 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: 56/18/26 Blend
29$375,000$375,000$375,000$375,000
30$417,567$397,692$391,879$437,761
31$430,804$387,824$375,653$442,220
32$444,467$376,548$357,958$443,837
33$458,570$363,766$338,717$445,027
34$473,127$349,374$317,847$445,759
35$488,154$333,262$295,263$445,997
36$503,668$315,313$270,876$445,707
37$519,684$295,406$244,592$444,850
38$536,219$273,408$216,314$443,385
39$553,293$249,185$185,940$441,272
40$570,923$222,589$153,363$438,464
41$589,129$193,467$118,472$434,917
42$607,931$161,658$81,152$430,579
43$627,350$126,990$41,281$425,400
44$647,409$89,281$0$419,326
45$668,129$48,340$0$412,650
46$689,536$3,966$0$417,204
47$711,653$0$0$421,501
48$734,508$0$0$434,238
49$758,128$0$0$448,214
50$782,540$0$0$462,661
51$807,776$0$0$477,596
52$833,867$0$0$493,039
53$860,845$0$0$509,008
54$888,746$0$0$525,526
55$917,605$0$0$542,613
56$947,462$0$0$560,293
57$978,356$0$0$578,590
58$1,010,331$0$0$597,529
59$1,043,430$0$0$617,138
60$1,077,703$0$0$637,444
61$1,113,198$0$0$658,479
62$1,149,969$0$0$680,273
63$1,188,072$0$0$702,861
64$1,227,567$0$0$726,280
65$1,268,518$0$0$750,566
66$1,310,991$0$0$775,761
67$1,355,059$0$0$801,907
68$1,400,797$0$0$829,052
69$1,448,288$0$0$857,244
70$1,497,618$0$0$886,536
71$1,548,880$0$0$916,985
72$1,602,174$0$0$948,649
73$1,657,606$0$0$981,595
74$1,715,291$0$0$1,015,891
75$1,775,350$0$0$1,051,611
76$1,837,917$0$0$1,088,836
77$1,903,131$0$0$1,127,652
78$1,971,147$0$0$1,168,151
79$2,042,127$0$0$1,210,434
80$2,116,251$0$0$1,254,608
81$2,193,709$0$0$1,300,791
82$2,274,707$0$0$1,349,108
83$2,359,471$0$0$1,399,695
84$2,448,242$0$0$1,452,701
85$2,541,283$0$0$1,508,287
86$2,638,878$0$0$1,566,625
87$2,741,338$0$0$1,627,906
88$2,848,997$0$0$1,692,334
89$2,962,221$0$0$1,760,133
90$3,081,406$0$0$1,831,545
91$3,206,985$0$0$1,906,836
92$3,339,428$0$0$1,986,293
93$3,479,248$0$0$2,070,231
94$3,627,005$0$0$2,158,993
95$3,783,308$0$0$2,252,952
96$3,948,824$0$0$2,352,519
97$4,124,281$0$0$2,458,139
98$4,310,474$0$0$2,570,301
99$4,508,272$0$0$2,689,538
100$4,718,627$0$0$2,816,435