Can I retire at age 30 with 449,000?

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 $449,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$37,078$36,748$36,426$36,111$35,804$34,658
2 years$18,355$18,014$17,682$17,361$17,049$15,905
3 years$12,115$11,772$11,442$11,123$10,817$9,711
4 years$8,996$8,654$8,327$8,014$7,715$6,655
5 years$7,125$6,785$6,462$6,155$5,865$4,854
6 years$5,878$5,540$5,222$4,922$4,640$3,680
7 years$4,987$4,653$4,340$4,047$3,774$2,863
8 years$4,320$3,988$3,680$3,395$3,131$2,270
9 years$3,801$3,472$3,170$2,892$2,637$1,824
10 years$3,386$3,061$2,764$2,493$2,247$1,481
11 years$3,047$2,725$2,433$2,169$1,932$1,212
12 years$2,765$2,446$2,159$1,903$1,674$998
13 years$2,526$2,210$1,929$1,680$1,460$827
14 years$2,321$2,009$1,733$1,491$1,280$687
15 years$2,144$1,835$1,565$1,330$1,127$573
16 years$1,989$1,684$1,419$1,191$996$479
17 years$1,853$1,551$1,291$1,070$883$402
18 years$1,732$1,433$1,179$964$785$338
19 years$1,623$1,328$1,079$871$700$284
20 years$1,526$1,234$990$789$625$239
21 years$1,438$1,149$911$716$559$202
22 years$1,358$1,073$839$651$501$170
23 years$1,285$1,004$775$593$450$144
24 years$1,219$940$717$541$405$122
25 years$1,158$882$664$494$364$103
26 years$1,101$829$616$452$328$87
27 years$1,049$780$572$413$296$74
28 years$1,001$735$532$379$267$62
29 years$956$694$495$347$241$53
30 years$914$655$461$319$218$45
31 years$875$619$430$293$197$38
32 years$838$586$401$269$178$32
33 years$804$555$374$247$161$27
34 years$772$526$350$228$146$23
35 years$742$499$327$210$132$20
36 years$713$474$306$193$120$17
37 years$686$450$286$178$108$14
38 years$661$427$268$164$98$12
39 years$637$406$251$151$89$10
40 years$614$387$235$139$81$9
41 years$592$368$221$129$73$7
42 years$572$351$207$119$67$6
43 years$552$334$194$110$60$5
44 years$533$318$182$101$55$4
45 years$516$304$171$93$50$4
46 years$499$290$161$86$45$3
47 years$483$276$151$80$41$3
48 years$467$264$142$74$37$2
49 years$452$252$133$68$34$2
50 years$438$241$125$63$31$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $449,000, adding $6,962 every year, while hoping to spend $28,268 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: 53/38/9 Blend
29$449,000$449,000$449,000$449,000
30$501,979$478,182$471,223$527,086
31$523,104$471,536$456,932$538,266
32$545,437$463,617$441,215$546,763
33$569,069$454,333$423,994$555,337
34$594,105$443,585$405,188$564,002
35$620,654$431,272$384,712$572,774
36$648,839$417,282$362,478$581,672
37$678,792$401,500$338,393$590,719
38$710,659$383,804$312,359$599,942
39$744,600$364,064$284,277$609,374
40$780,788$342,142$254,039$619,051
41$819,415$317,894$221,536$629,017
42$860,690$291,165$186,652$639,322
43$904,842$261,794$149,267$650,026
44$952,124$229,610$109,255$661,194
45$1,002,810$194,430$66,484$672,903
46$1,057,203$156,064$20,818$685,242
47$1,115,636$114,310$0$698,310
48$1,178,474$68,953$0$714,903
49$1,246,115$19,769$0$734,776
50$1,319,000$0$0$756,090
51$1,397,611$0$0$793,027
52$1,482,479$0$0$841,862
53$1,574,187$0$0$894,669
54$1,673,374$0$0$951,821
55$1,780,745$0$0$1,013,727
56$1,897,073$0$0$1,080,840
57$2,023,210$0$0$1,153,656
58$2,160,090$0$0$1,232,720
59$2,308,744$0$0$1,318,632
60$2,470,302$0$0$1,412,053
61$2,646,011$0$0$1,513,708
62$2,837,239$0$0$1,624,398
63$3,045,495$0$0$1,745,001
64$3,272,437$0$0$1,876,486
65$3,519,890$0$0$2,019,917
66$3,789,864$0$0$2,176,467
67$4,084,570$0$0$2,347,426
68$4,406,443$0$0$2,534,215
69$4,758,162$0$0$2,738,399
70$5,142,678$0$0$2,961,699
71$5,563,238$0$0$3,206,010
72$6,023,420$0$0$3,473,421
73$6,527,161$0$0$3,766,231
74$7,078,799$0$0$4,086,971
75$7,683,108$0$0$4,438,429
76$8,345,349$0$0$4,823,674
77$9,071,313$0$0$5,246,090
78$9,867,379$0$0$5,709,399
79$10,740,575$0$0$6,217,705
80$11,698,638$0$0$6,775,525
81$12,750,092$0$0$7,387,836
82$13,904,329$0$0$8,060,121
83$15,171,690$0$0$8,798,420
84$16,563,569$0$0$9,609,384
85$18,092,517$0$0$10,500,342
86$19,772,361$0$0$11,479,368
87$21,618,333$0$0$12,555,357
88$23,647,213$0$0$13,738,107
89$25,877,490$0$0$15,038,414
90$28,329,529$0$0$16,468,171
91$31,025,772$0$0$18,040,482
92$33,990,940$0$0$19,769,785
93$37,252,273$0$0$21,671,986
94$40,839,780$0$0$23,764,609
95$44,786,528$0$0$26,066,967
96$49,128,949$0$0$28,600,333
97$53,907,184$0$0$31,388,150
98$59,165,462$0$0$34,456,248
99$64,952,517$0$0$37,833,087
100$71,322,044$0$0$41,550,027