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%11.1%
1 years$36,583$36,257$35,939$35,628$35,325$35,162
2 years$18,110$17,773$17,446$17,129$16,822$16,656
3 years$11,954$11,615$11,289$10,975$10,672$10,511
4 years$8,876$8,538$8,215$7,907$7,612$7,455
5 years$7,030$6,694$6,375$6,073$5,786$5,635
6 years$5,799$5,466$5,152$4,857$4,578$4,432
7 years$4,921$4,590$4,282$3,993$3,723$3,583
8 years$4,262$3,935$3,631$3,350$3,089$2,954
9 years$3,750$3,426$3,127$2,853$2,601$2,472
10 years$3,341$3,020$2,727$2,459$2,217$2,093
11 years$3,006$2,688$2,400$2,140$1,906$1,788
12 years$2,728$2,413$2,130$1,877$1,652$1,539
13 years$2,492$2,181$1,903$1,657$1,441$1,333
14 years$2,290$1,982$1,710$1,471$1,263$1,160
15 years$2,115$1,811$1,544$1,312$1,112$1,014
16 years$1,963$1,661$1,400$1,175$983$889
17 years$1,828$1,530$1,274$1,056$871$783
18 years$1,708$1,414$1,163$951$775$691
19 years$1,602$1,310$1,065$860$691$611
20 years$1,506$1,218$977$779$617$541
21 years$1,419$1,134$899$707$552$481
22 years$1,340$1,059$828$642$495$427
23 years$1,268$990$765$585$444$381
24 years$1,203$928$707$534$399$339
25 years$1,142$871$655$487$359$303
26 years$1,086$818$608$446$324$270
27 years$1,035$770$564$408$292$242
28 years$987$726$524$374$263$216
29 years$943$685$488$343$238$194
30 years$902$646$455$315$215$173
31 years$863$611$424$289$194$155
32 years$827$578$395$265$176$139
33 years$793$548$369$244$159$125
34 years$762$519$345$225$144$112
35 years$732$492$323$207$130$101
36 years$704$467$302$190$118$90
37 years$677$444$282$175$107$81
38 years$652$422$264$162$97$73
39 years$628$401$248$149$88$65
40 years$606$382$232$138$80$59
41 years$584$363$218$127$72$53
42 years$564$346$204$117$66$47
43 years$545$330$192$108$60$43
44 years$526$314$180$100$54$38
45 years$509$300$169$92$49$35
46 years$492$286$159$85$45$31
47 years$476$273$149$79$41$28
48 years$461$260$140$73$37$25
49 years$446$249$132$67$33$23
50 years$433$237$124$62$30$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $443,000, adding $2,902 every year, while hoping to spend $26,553 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: 70/22/8 Blend
29$443,000$443,000$443,000$443,000
30$491,179$467,700$460,834$524,679
31$513,028$462,366$448,020$541,894
32$536,214$455,879$433,886$557,190
33$560,848$448,157$418,361$573,205
34$587,047$439,110$401,369$590,003
35$614,943$428,643$382,832$607,655
36$644,675$416,655$362,665$626,243
37$676,402$403,041$340,784$645,854
38$710,293$387,687$317,098$666,587
39$746,534$370,476$291,513$688,550
40$785,332$351,280$263,930$711,865
41$826,911$329,968$234,246$736,666
42$871,517$306,398$202,355$763,102
43$919,421$280,421$168,143$791,338
44$970,921$251,880$131,494$821,557
45$1,026,341$220,608$92,286$853,963
46$1,086,040$186,431$50,390$888,780
47$1,150,412$149,161$5,673$926,258
48$1,219,888$108,604$0$966,674
49$1,294,942$64,552$0$1,013,923
50$1,376,097$16,785$0$1,065,506
51$1,463,926$0$0$1,121,327
52$1,559,058$0$0$1,190,270
53$1,662,186$0$0$1,269,433
54$1,774,073$0$0$1,355,340
55$1,895,557$0$0$1,448,637
56$2,027,558$0$0$1,550,035
57$2,171,091$0$0$1,660,314
58$2,327,271$0$0$1,780,336
59$2,497,326$0$0$1,911,046
60$2,682,605$0$0$2,053,486
61$2,884,595$0$0$2,208,801
62$3,104,931$0$0$2,378,252
63$3,345,415$0$0$2,563,229
64$3,608,026$0$0$2,765,259
65$3,894,948$0$0$2,986,024
66$4,208,581$0$0$3,227,376
67$4,551,569$0$0$3,491,355
68$4,926,824$0$0$3,780,206
69$5,337,552$0$0$4,096,400
70$5,787,282$0$0$4,442,661
71$6,279,901$0$0$4,821,985
72$6,819,690$0$0$5,237,675
73$7,411,364$0$0$5,693,367
74$8,060,115$0$0$6,193,065
75$8,771,661$0$0$6,741,179
76$9,552,301$0$0$7,342,569
77$10,408,974$0$0$8,002,585
78$11,349,321$0$0$8,727,121
79$12,381,760$0$0$9,522,671
80$13,515,564$0$0$10,396,386
81$14,760,949$0$0$11,356,146
82$16,129,167$0$0$12,410,630
83$17,632,615$0$0$13,569,401
84$19,284,951$0$0$14,842,992
85$21,101,220$0$0$16,243,009
86$23,097,998$0$0$17,782,237
87$25,293,547$0$0$19,474,764
88$27,707,989$0$0$21,336,109
89$30,363,491$0$0$23,383,372
90$33,284,476$0$0$25,635,390
91$36,497,855$0$0$28,112,923
92$40,033,276$0$0$30,838,839
93$43,923,409$0$0$33,838,339
94$48,204,248$0$0$37,139,186
95$52,915,453$0$0$40,771,974
96$58,100,724$0$0$44,770,411
97$63,808,211$0$0$49,171,639
98$70,090,970$0$0$54,016,584
99$77,007,461$0$0$59,350,340
100$84,622,102$0$0$65,222,598