Can I retire at age 30 with 400,000?

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 $400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$33,032$32,737$32,450$32,170$31,897$31,151
2 years$16,352$16,048$15,753$15,466$15,189$14,442
3 years$10,793$10,487$10,193$9,909$9,636$8,911
4 years$8,014$7,709$7,418$7,139$6,873$6,175
5 years$6,347$6,044$5,757$5,484$5,225$4,557
6 years$5,236$4,936$4,652$4,385$4,134$3,496
7 years$4,443$4,145$3,866$3,605$3,362$2,755
8 years$3,849$3,553$3,279$3,024$2,789$2,212
9 years$3,386$3,093$2,824$2,576$2,349$1,801
10 years$3,017$2,727$2,462$2,221$2,001$1,483
11 years$2,714$2,427$2,167$1,933$1,721$1,231
12 years$2,463$2,179$1,924$1,695$1,492$1,029
13 years$2,250$1,969$1,719$1,497$1,301$864
14 years$2,068$1,790$1,544$1,329$1,140$730
15 years$1,910$1,635$1,394$1,185$1,004$618
16 years$1,772$1,500$1,264$1,061$887$525
17 years$1,651$1,381$1,150$953$787$447
18 years$1,543$1,277$1,050$859$699$382
19 years$1,446$1,183$961$776$623$327
20 years$1,359$1,099$882$703$557$280
21 years$1,281$1,024$811$638$498$240
22 years$1,210$956$748$580$447$206
23 years$1,145$894$690$528$401$177
24 years$1,086$838$639$482$360$152
25 years$1,031$786$591$440$324$131
26 years$981$739$549$402$292$113
27 years$935$695$509$368$263$97
28 years$892$655$474$337$238$84
29 years$852$618$441$309$215$72
30 years$814$584$410$284$194$62
31 years$779$552$383$261$175$54
32 years$747$522$357$240$159$46
33 years$716$494$333$220$144$40
34 years$688$469$311$203$130$35
35 years$661$444$291$187$118$30
36 years$635$422$272$172$107$26
37 years$611$401$255$158$97$22
38 years$589$381$239$146$88$19
39 years$567$362$224$135$79$17
40 years$547$345$210$124$72$14
41 years$528$328$197$115$65$12
42 years$509$312$184$106$59$11
43 years$492$298$173$98$54$9
44 years$475$284$162$90$49$8
45 years$459$270$153$83$44$7
46 years$444$258$143$77$40$6
47 years$430$246$135$71$37$5
48 years$416$235$126$66$33$4
49 years$403$224$119$61$30$4
50 years$391$214$112$56$27$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $400,000, adding $3,745 every year, while hoping to spend $21,730 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: 50/33/17 Blend
29$400,000$400,000$400,000$400,000
30$444,663$423,463$417,263$464,629
31$466,898$421,092$408,121$476,420
32$490,673$417,877$397,944$486,672
33$516,121$413,753$386,675$497,341
34$543,391$408,652$374,254$508,475
35$572,642$402,501$360,617$520,125
36$604,053$395,225$345,699$532,353
37$637,817$386,742$329,430$545,224
38$674,148$376,966$311,740$558,814
39$713,280$365,805$292,552$573,207
40$755,469$353,165$271,787$588,498
41$801,000$338,943$249,365$604,792
42$850,181$323,030$225,198$622,209
43$903,354$305,314$199,197$640,881
44$960,895$285,672$171,268$660,956
45$1,023,214$263,978$141,314$682,601
46$1,090,766$240,097$109,232$706,001
47$1,164,049$213,886$74,915$731,361
48$1,243,610$185,195$38,253$758,913
49$1,330,052$153,863$0$788,913
50$1,424,039$119,724$0$821,804
51$1,526,299$82,599$0$865,163
52$1,637,636$42,301$0$912,420
53$1,758,932$0$0$963,994
54$1,891,159$0$0$1,020,843
55$2,035,388$0$0$1,099,646
56$2,192,795$0$0$1,185,689
57$2,364,675$0$0$1,279,685
58$2,552,457$0$0$1,382,420
59$2,757,709$0$0$1,494,759
60$2,982,162$0$0$1,617,653
61$3,227,718$0$0$1,752,151
62$3,496,475$0$0$1,899,406
63$3,790,740$0$0$2,060,691
64$4,113,055$0$0$2,237,405
65$4,466,220$0$0$2,431,088
66$4,853,317$0$0$2,643,440
67$5,277,741$0$0$2,876,330
68$5,743,232$0$0$3,131,817
69$6,253,909$0$0$3,412,169
70$6,814,309$0$0$3,719,887
71$7,429,427$0$0$4,057,721
72$8,104,770$0$0$4,428,704
73$8,846,401$0$0$4,836,176
74$9,660,998$0$0$5,283,817
75$10,555,921$0$0$5,775,678
76$11,539,275$0$0$6,316,226
77$12,619,990$0$0$6,910,380
78$13,807,906$0$0$7,563,560
79$15,113,860$0$0$8,281,736
80$16,549,794$0$0$9,071,487
81$18,128,865$0$0$9,940,060
82$19,865,567$0$0$10,895,441
83$21,775,871$0$0$11,946,428
84$23,877,372$0$0$13,102,715
85$26,189,458$0$0$14,374,982
86$28,733,489$0$0$15,774,998
87$31,533,002$0$0$17,315,729
88$34,613,929$0$0$19,011,463
89$38,004,844$0$0$20,877,941
90$41,737,232$0$0$22,932,511
91$45,845,784$0$0$25,194,285
92$50,368,726$0$0$27,684,324
93$55,348,178$0$0$30,425,833
94$60,830,553$0$0$33,444,385
95$66,866,990$0$0$36,768,155
96$73,513,844$0$0$40,428,191
97$80,833,209$0$0$44,458,706
98$88,893,509$0$0$48,897,399
99$97,770,142$0$0$53,785,812
100$107,546,191$0$0$59,169,720