Can I retire at age 30 with 439,000?

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 $439,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$36,252$35,929$35,614$35,307$35,006$34,742
2 years$17,947$17,612$17,288$16,974$16,670$16,403
3 years$11,846$11,510$11,187$10,876$10,576$10,316
4 years$8,796$8,461$8,141$7,835$7,543$7,291
5 years$6,966$6,634$6,318$6,018$5,734$5,491
6 years$5,747$5,417$5,106$4,813$4,537$4,303
7 years$4,876$4,549$4,243$3,957$3,690$3,465
8 years$4,224$3,899$3,598$3,319$3,061$2,845
9 years$3,716$3,395$3,099$2,827$2,578$2,371
10 years$3,311$2,993$2,702$2,437$2,196$1,999
11 years$2,979$2,664$2,379$2,121$1,889$1,700
12 years$2,703$2,391$2,111$1,860$1,637$1,457
13 years$2,469$2,161$1,886$1,643$1,428$1,256
14 years$2,269$1,964$1,695$1,458$1,251$1,088
15 years$2,096$1,794$1,530$1,300$1,102$947
16 years$1,945$1,646$1,387$1,164$974$827
17 years$1,812$1,516$1,262$1,046$863$724
18 years$1,693$1,401$1,152$943$768$636
19 years$1,587$1,298$1,055$852$684$560
20 years$1,492$1,207$968$772$611$493
21 years$1,406$1,124$891$700$547$436
22 years$1,328$1,049$821$637$490$386
23 years$1,257$981$758$580$440$341
24 years$1,192$919$701$529$396$303
25 years$1,132$863$649$483$356$269
26 years$1,077$811$602$442$321$239
27 years$1,026$763$559$404$289$212
28 years$978$719$520$370$261$189
29 years$935$678$484$340$236$168
30 years$894$641$450$312$213$150
31 years$855$606$420$286$192$133
32 years$820$573$392$263$174$119
33 years$786$543$366$242$158$106
34 years$755$514$342$223$143$95
35 years$725$488$320$205$129$84
36 years$697$463$299$189$117$75
37 years$671$440$280$174$106$67
38 years$646$418$262$160$96$60
39 years$622$397$246$148$87$54
40 years$600$378$230$136$79$48
41 years$579$360$216$126$72$43
42 years$559$343$202$116$65$38
43 years$540$327$190$107$59$34
44 years$522$311$178$99$54$31
45 years$504$297$167$91$49$27
46 years$488$283$157$84$44$24
47 years$472$270$148$78$40$22
48 years$457$258$139$72$36$19
49 years$442$246$130$67$33$17
50 years$429$235$123$62$30$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $439,000, adding $5,924 every year, while hoping to spend $34,334 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: 83/9/8 Blend
29$439,000$439,000$439,000$439,000
30$489,889$466,622$459,817$529,592
31$503,326$452,955$438,690$542,758
32$516,984$437,468$415,704$551,993
33$530,847$420,035$390,761$561,074
34$544,900$400,524$363,759$569,966
35$559,124$378,793$334,589$578,628
36$573,496$354,695$303,138$587,018
37$587,990$328,073$269,291$595,086
38$602,576$298,759$232,924$602,781
39$617,220$266,580$193,908$610,043
40$631,884$231,349$152,111$616,808
41$646,521$192,871$107,392$623,006
42$661,083$150,938$59,606$628,559
43$675,511$105,332$8,601$633,382
44$689,742$55,822$0$637,380
45$703,701$2,163$0$644,363
46$717,309$0$0$651,344
47$730,471$0$0$663,012
48$743,087$0$0$674,390
49$755,039$0$0$685,156
50$766,200$0$0$695,192
51$776,424$0$0$704,367
52$785,552$0$0$712,534
53$793,404$0$0$719,527
54$799,780$0$0$725,164
55$804,458$0$0$729,243
56$807,190$0$0$731,535
57$807,703$0$0$731,791
58$805,691$0$0$729,731
59$800,815$0$0$725,044
60$792,699$0$0$717,387
61$780,927$0$0$706,378
62$765,036$0$0$691,594
63$744,515$0$0$672,568
64$718,796$0$0$648,779
65$687,252$0$0$619,653
66$649,187$0$0$584,554
67$603,832$0$0$542,779
68$550,336$0$0$493,549
69$487,759$0$0$436,002
70$415,059$0$0$369,188
71$331,086$0$0$292,052
72$234,570$0$0$203,433
73$124,105$0$0$102,045
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