Can I retire at age 30 with 443,000?

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 $443,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$36,583$36,257$35,939$35,628$35,325$34,957
2 years$18,110$17,773$17,446$17,129$16,822$16,450
3 years$11,954$11,615$11,289$10,975$10,672$10,310
4 years$8,876$8,538$8,215$7,907$7,612$7,261
5 years$7,030$6,694$6,375$6,073$5,786$5,448
6 years$5,799$5,466$5,152$4,857$4,578$4,254
7 years$4,921$4,590$4,282$3,993$3,723$3,412
8 years$4,262$3,935$3,631$3,350$3,089$2,791
9 years$3,750$3,426$3,127$2,853$2,601$2,316
10 years$3,341$3,020$2,727$2,459$2,217$1,944
11 years$3,006$2,688$2,400$2,140$1,906$1,647
12 years$2,728$2,413$2,130$1,877$1,652$1,405
13 years$2,492$2,181$1,903$1,657$1,441$1,206
14 years$2,290$1,982$1,710$1,471$1,263$1,040
15 years$2,115$1,811$1,544$1,312$1,112$901
16 years$1,963$1,661$1,400$1,175$983$783
17 years$1,828$1,530$1,274$1,056$871$682
18 years$1,708$1,414$1,163$951$775$596
19 years$1,602$1,310$1,065$860$691$522
20 years$1,506$1,218$977$779$617$458
21 years$1,419$1,134$899$707$552$402
22 years$1,340$1,059$828$642$495$354
23 years$1,268$990$765$585$444$312
24 years$1,203$928$707$534$399$275
25 years$1,142$871$655$487$359$243
26 years$1,086$818$608$446$324$214
27 years$1,035$770$564$408$292$190
28 years$987$726$524$374$263$168
29 years$943$685$488$343$238$148
30 years$902$646$455$315$215$131
31 years$863$611$424$289$194$116
32 years$827$578$395$265$176$103
33 years$793$548$369$244$159$91
34 years$762$519$345$225$144$81
35 years$732$492$323$207$130$72
36 years$704$467$302$190$118$64
37 years$677$444$282$175$107$57
38 years$652$422$264$162$97$50
39 years$628$401$248$149$88$45
40 years$606$382$232$138$80$40
41 years$584$363$218$127$72$35
42 years$564$346$204$117$66$31
43 years$545$330$192$108$60$28
44 years$526$314$180$100$54$25
45 years$509$300$169$92$49$22
46 years$492$286$159$85$45$19
47 years$476$273$149$79$41$17
48 years$461$260$140$73$37$15
49 years$446$249$132$67$33$14
50 years$433$237$124$62$30$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $443,000, adding $5,392 every year, while hoping to spend $26,369 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: 24/50/26 Blend
29$443,000$443,000$443,000$443,000
30$493,748$470,269$463,402$501,442
31$516,054$465,256$450,870$503,284
32$539,751$459,113$437,034$502,663
33$564,954$451,758$421,823$501,436
34$591,787$443,102$405,162$499,570
35$620,387$433,052$386,972$497,031
36$650,904$421,508$367,173$493,786
37$683,502$408,368$345,679$489,798
38$718,360$393,519$322,400$485,035
39$755,675$376,844$297,243$479,462
40$795,664$358,219$270,111$473,045
41$838,564$337,514$240,902$465,749
42$884,634$314,589$209,509$457,543
43$934,160$289,297$175,821$448,396
44$987,456$261,484$139,722$438,278
45$1,044,865$230,985$101,091$427,161
46$1,106,765$197,628$59,802$415,020
47$1,173,573$161,229$15,723$401,835
48$1,245,743$121,595$0$387,586
49$1,323,776$78,521$0$380,950
50$1,408,225$31,792$0$378,450
51$1,499,695$0$0$375,760
52$1,598,851$0$0$383,284
53$1,706,426$0$0$410,488
54$1,823,225$0$0$440,093
55$1,950,133$0$0$472,331
56$2,088,127$0$0$507,460
57$2,238,276$0$0$545,760
58$2,401,761$0$0$587,542
59$2,579,880$0$0$633,149
60$2,774,061$0$0$682,957
61$2,985,876$0$0$737,380
62$3,217,056$0$0$796,874
63$3,469,504$0$0$861,942
64$3,745,317$0$0$933,135
65$4,046,805$0$0$1,011,064
66$4,376,506$0$0$1,096,397
67$4,737,221$0$0$1,189,874
68$5,132,030$0$0$1,292,308
69$5,564,324$0$0$1,404,593
70$6,037,841$0$0$1,527,717
71$6,556,695$0$0$1,662,764
72$7,125,415$0$0$1,810,932
73$7,748,993$0$0$1,973,538
74$8,432,925$0$0$2,152,032
75$9,183,264$0$0$2,348,015
76$10,006,678$0$0$2,563,248
77$10,910,513$0$0$2,799,669
78$11,902,858$0$0$3,059,417
79$12,992,625$0$0$3,344,847
80$14,189,632$0$0$3,658,551
81$15,504,695$0$0$4,003,387
82$16,949,727$0$0$4,382,505
83$18,537,855$0$0$4,799,371
84$20,283,538$0$0$5,257,809
85$22,202,707$0$0$5,762,027
86$24,312,915$0$0$6,316,665
87$26,633,498$0$0$6,926,834
88$29,185,761$0$0$7,598,165
89$31,993,179$0$0$8,336,863
90$35,081,612$0$0$9,149,764
91$38,479,558$0$0$10,044,401
92$42,218,411$0$0$11,029,074
93$46,332,768$0$0$12,112,928
94$50,860,742$0$0$13,306,040
95$55,844,335$0$0$14,619,514
96$61,329,821$0$0$16,065,584
97$67,368,192$0$0$17,657,732
98$74,015,633$0$0$19,410,814
99$81,334,053$0$0$21,341,197
100$89,391,669$0$0$23,466,919