Can I retire at age 30 with 435,000?

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 $435,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$35,922$35,602$35,290$34,985$34,688$33,564
2 years$17,783$17,452$17,131$16,820$16,518$15,396
3 years$11,738$11,405$11,085$10,777$10,480$9,395
4 years$8,716$8,384$8,067$7,764$7,474$6,435
5 years$6,903$6,573$6,260$5,963$5,682$4,691
6 years$5,695$5,367$5,059$4,769$4,496$3,555
7 years$4,832$4,508$4,204$3,921$3,656$2,764
8 years$4,185$3,864$3,566$3,289$3,033$2,190
9 years$3,683$3,364$3,071$2,802$2,554$1,759
10 years$3,281$2,965$2,677$2,415$2,176$1,427
11 years$2,952$2,640$2,357$2,102$1,872$1,167
12 years$2,678$2,369$2,092$1,844$1,622$961
13 years$2,447$2,141$1,869$1,628$1,415$795
14 years$2,249$1,946$1,679$1,445$1,240$660
15 years$2,077$1,778$1,516$1,288$1,092$551
16 years$1,927$1,631$1,375$1,154$965$460
17 years$1,795$1,502$1,251$1,037$856$385
18 years$1,678$1,388$1,142$934$761$324
19 years$1,573$1,287$1,045$844$678$272
20 years$1,478$1,196$959$765$606$229
21 years$1,393$1,114$882$694$542$193
22 years$1,316$1,040$813$631$486$163
23 years$1,245$972$751$575$436$137
24 years$1,181$911$694$524$392$116
25 years$1,121$855$643$479$353$98
26 years$1,067$803$597$438$318$83
27 years$1,016$756$554$401$286$70
28 years$970$713$515$367$258$59
29 years$926$672$479$337$233$50
30 years$885$635$446$309$211$42
31 years$848$600$416$284$191$36
32 years$812$568$388$261$172$30
33 years$779$538$363$240$156$26
34 years$748$510$339$221$141$22
35 years$719$483$317$203$128$18
36 years$691$459$296$187$116$16
37 years$665$436$277$172$105$13
38 years$640$414$260$159$95$11
39 years$617$394$243$146$86$10
40 years$595$375$228$135$78$8
41 years$574$357$214$125$71$7
42 years$554$340$201$115$65$6
43 years$535$324$188$106$59$5
44 years$517$308$177$98$53$4
45 years$500$294$166$91$48$4
46 years$483$281$156$84$44$3
47 years$468$268$146$77$40$3
48 years$453$256$138$71$36$2
49 years$438$244$129$66$33$2
50 years$425$233$122$61$30$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $435,000, adding $6,220 every year, while hoping to spend $25,232 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: 38/49/13 Blend
29$435,000$435,000$435,000$435,000
30$485,786$462,731$455,988$502,110
31$508,489$458,558$444,417$510,150
32$532,663$453,335$431,613$515,925
33$558,430$446,984$417,507$521,614
34$585,925$439,422$402,030$527,222
35$615,297$430,561$385,105$532,755
36$646,708$420,308$366,656$538,225
37$680,335$408,566$346,602$543,642
38$716,373$395,230$324,857$549,025
39$755,036$380,189$301,333$554,395
40$796,559$363,328$275,937$559,777
41$841,199$344,522$248,572$565,203
42$889,240$323,642$219,137$570,710
43$940,991$300,550$187,527$576,345
44$996,794$275,098$153,631$582,159
45$1,057,023$247,134$117,334$588,215
46$1,122,090$216,495$78,516$594,586
47$1,192,448$183,007$37,050$601,355
48$1,268,593$146,490$0$608,620
49$1,351,071$106,750$0$617,491
50$1,440,485$63,585$0$632,647
51$1,537,495$16,781$0$649,111
52$1,642,827$0$0$667,069
53$1,757,280$0$0$705,006
54$1,881,735$0$0$756,151
55$2,017,159$0$0$811,858
56$2,164,616$0$0$872,572
57$2,325,276$0$0$938,783
58$2,500,431$0$0$1,011,030
59$2,691,497$0$0$1,089,905
60$2,900,037$0$0$1,176,062
61$3,127,769$0$0$1,270,218
62$3,376,585$0$0$1,373,166
63$3,648,569$0$0$1,485,777
64$3,946,013$0$0$1,609,009
65$4,271,444$0$0$1,743,918
66$4,627,641$0$0$1,891,668
67$5,017,667$0$0$2,053,540
68$5,444,892$0$0$2,230,943
69$5,913,030$0$0$2,425,432
70$6,426,169$0$0$2,638,717
71$6,988,815$0$0$2,872,683
72$7,605,926$0$0$3,129,405
73$8,282,967$0$0$3,411,170
74$9,025,955$0$0$3,720,495
75$9,841,518$0$0$4,060,155
76$10,736,959$0$0$4,433,206
77$11,720,320$0$0$4,843,014
78$12,800,462$0$0$5,293,287
79$13,987,146$0$0$5,788,111
80$15,291,124$0$0$6,331,987
81$16,724,243$0$0$6,929,873
82$18,299,553$0$0$7,587,232
83$20,031,431$0$0$8,310,083
84$21,935,719$0$0$9,105,057
85$24,029,868$0$0$9,979,459
86$26,333,106$0$0$10,941,340
87$28,866,619$0$0$11,999,567
88$31,653,748$0$0$13,163,914
89$34,720,209$0$0$14,445,146
90$38,094,340$0$0$15,855,127
91$41,807,362$0$0$17,406,928
92$45,893,674$0$0$19,114,952
93$50,391,183$0$0$20,995,069
94$55,341,652$0$0$23,064,765
95$60,791,102$0$0$25,343,309
96$66,790,241$0$0$27,851,930
97$73,394,943$0$0$30,614,025
98$80,666,776$0$0$33,655,371
99$88,673,581$0$0$37,004,375
100$97,490,111$0$0$40,692,335