Can I retire at age 30 with 439,000?

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 $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%17.4%
1 years$36,252$35,929$35,614$35,307$35,006$33,954
2 years$17,947$17,612$17,288$16,974$16,670$15,618
3 years$11,846$11,510$11,187$10,876$10,576$9,558
4 years$8,796$8,461$8,141$7,835$7,543$6,567
5 years$6,966$6,634$6,318$6,018$5,734$4,803
6 years$5,747$5,417$5,106$4,813$4,537$3,651
7 years$4,876$4,549$4,243$3,957$3,690$2,849
8 years$4,224$3,899$3,598$3,319$3,061$2,265
9 years$3,716$3,395$3,099$2,827$2,578$1,825
10 years$3,311$2,993$2,702$2,437$2,196$1,487
11 years$2,979$2,664$2,379$2,121$1,889$1,221
12 years$2,703$2,391$2,111$1,860$1,637$1,009
13 years$2,469$2,161$1,886$1,643$1,428$838
14 years$2,269$1,964$1,695$1,458$1,251$699
15 years$2,096$1,794$1,530$1,300$1,102$585
16 years$1,945$1,646$1,387$1,164$974$491
17 years$1,812$1,516$1,262$1,046$863$413
18 years$1,693$1,401$1,152$943$768$349
19 years$1,587$1,298$1,055$852$684$294
20 years$1,492$1,207$968$772$611$249
21 years$1,406$1,124$891$700$547$211
22 years$1,328$1,049$821$637$490$179
23 years$1,257$981$758$580$440$151
24 years$1,192$919$701$529$396$128
25 years$1,132$863$649$483$356$109
26 years$1,077$811$602$442$321$93
27 years$1,026$763$559$404$289$79
28 years$978$719$520$370$261$67
29 years$935$678$484$340$236$57
30 years$894$641$450$312$213$48
31 years$855$606$420$286$192$41
32 years$820$573$392$263$174$35
33 years$786$543$366$242$158$30
34 years$755$514$342$223$143$25
35 years$725$488$320$205$129$22
36 years$697$463$299$189$117$18
37 years$671$440$280$174$106$16
38 years$646$418$262$160$96$13
39 years$622$397$246$148$87$11
40 years$600$378$230$136$79$10
41 years$579$360$216$126$72$8
42 years$559$343$202$116$65$7
43 years$540$327$190$107$59$6
44 years$522$311$178$99$54$5
45 years$504$297$167$91$49$4
46 years$488$283$157$84$44$4
47 years$472$270$148$78$40$3
48 years$457$258$139$72$36$3
49 years$442$246$130$67$33$2
50 years$429$235$123$62$30$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $439,000, adding $6,032 every year, while hoping to spend $35,904 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: 66/18/16 Blend
29$439,000$439,000$439,000$439,000
30$490,000$466,733$459,929$520,062
31$501,778$451,401$437,135$525,585
32$513,555$434,115$412,374$526,890
33$525,291$414,741$385,542$527,432
34$536,944$393,136$356,531$527,135
35$548,466$369,153$325,228$525,918
36$559,800$342,632$291,513$523,689
37$570,884$313,406$255,264$520,354
38$581,650$281,299$216,351$515,805
39$592,020$246,123$174,640$509,929
40$601,904$207,682$129,989$502,602
41$611,206$165,766$82,251$493,689
42$619,816$120,155$31,273$483,043
43$627,611$70,617$0$470,505
44$634,456$16,905$0$459,850
45$640,198$0$0$452,896
46$644,667$0$0$452,292
47$647,677$0$0$453,959
48$649,017$0$0$454,395
49$648,455$0$0$453,430
50$645,733$0$0$450,876
51$640,564$0$0$446,525
52$632,630$0$0$440,145
53$621,578$0$0$431,477
54$607,019$0$0$420,239
55$588,519$0$0$406,114
56$565,599$0$0$388,753
57$537,728$0$0$367,769
58$504,319$0$0$342,735
59$464,722$0$0$313,177
60$418,218$0$0$278,572
61$364,013$0$0$238,342
62$301,229$0$0$191,845
63$228,892$0$0$138,375
64$145,931$0$0$77,151
65$51,160$0$0$7,308
66$0$0$0$0
67$0$0$0$0
68$0$0$0$0
69$0$0$0$0
70$0$0$0$0
71$0$0$0$0
72$0$0$0$0
73$0$0$0$0
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