Can I retire at age 30 with 522,000?

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 $522,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$43,106$42,722$42,348$41,982$41,625$40,735
2 years$21,340$20,942$20,557$20,184$19,821$18,929
3 years$14,085$13,686$13,302$12,932$12,576$11,708
4 years$10,459$10,061$9,680$9,317$8,969$8,134
5 years$8,283$7,888$7,512$7,156$6,818$6,018
6 years$6,833$6,441$6,071$5,723$5,395$4,630
7 years$5,798$5,409$5,045$4,705$4,388$3,658
8 years$5,022$4,637$4,279$3,947$3,640$2,946
9 years$4,419$4,037$3,685$3,362$3,065$2,406
10 years$3,937$3,558$3,213$2,898$2,612$1,987
11 years$3,542$3,168$2,829$2,522$2,246$1,655
12 years$3,214$2,843$2,510$2,212$1,947$1,387
13 years$2,936$2,569$2,243$1,953$1,697$1,170
14 years$2,699$2,336$2,015$1,734$1,488$991
15 years$2,493$2,134$1,819$1,546$1,310$842
16 years$2,313$1,958$1,650$1,384$1,158$718
17 years$2,154$1,803$1,501$1,244$1,027$614
18 years$2,013$1,666$1,370$1,121$913$526
19 years$1,887$1,544$1,254$1,013$814$452
20 years$1,774$1,435$1,151$917$727$388
21 years$1,672$1,336$1,059$833$650$334
22 years$1,579$1,247$976$757$583$288
23 years$1,494$1,167$901$689$523$249
24 years$1,417$1,093$833$629$470$215
25 years$1,346$1,026$772$574$423$185
26 years$1,280$964$716$525$381$160
27 years$1,220$907$665$481$344$139
28 years$1,163$855$618$440$310$120
29 years$1,111$807$575$404$280$104
30 years$1,063$762$536$371$253$90
31 years$1,017$720$499$340$229$78
32 years$975$681$466$313$207$68
33 years$935$645$435$288$187$59
34 years$897$612$406$265$170$51
35 years$862$580$380$244$154$44
36 years$829$551$356$224$139$38
37 years$798$523$333$207$126$33
38 years$768$497$312$191$114$29
39 years$740$473$292$176$104$25
40 years$714$450$274$162$94$22
41 years$688$428$257$150$85$19
42 years$665$408$241$138$77$16
43 years$642$388$226$127$70$14
44 years$620$370$212$118$64$12
45 years$600$353$199$109$58$11
46 years$580$337$187$100$53$9
47 years$561$321$176$93$48$8
48 years$543$307$165$86$43$7
49 years$526$293$155$79$39$6
50 years$510$280$146$73$36$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $522,000, adding $6,275 every year, while hoping to spend $28,624 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: 37/50/13 Blend
29$522,000$522,000$522,000$522,000
30$581,717$554,051$545,960$600,710
31$610,596$550,743$533,794$611,575
32$641,462$546,315$520,261$620,083
33$674,486$540,680$505,285$628,647
34$709,858$533,747$488,786$637,285
35$747,786$525,423$470,682$646,021
36$788,495$515,604$450,886$654,883
37$832,237$504,184$429,306$663,903
38$879,285$491,049$405,847$673,123
39$929,940$476,078$380,411$682,586
40$984,533$459,144$352,893$692,349
41$1,043,425$440,113$323,185$702,472
42$1,107,016$418,840$291,174$713,030
43$1,175,744$395,176$256,741$724,105
44$1,250,091$368,960$219,762$735,793
45$1,330,585$340,024$180,109$748,205
46$1,417,809$308,189$137,646$761,465
47$1,512,401$273,266$92,234$775,718
48$1,615,067$235,057$43,724$791,125
49$1,726,578$193,349$0$807,872
50$1,847,788$147,922$0$827,282
51$1,979,631$98,539$0$855,021
52$2,123,139$44,953$0$885,308
53$2,279,444$0$0$918,467
54$2,449,795$0$0$962,069
55$2,635,563$0$0$1,036,654
56$2,838,261$0$0$1,118,106
57$3,059,550$0$0$1,207,101
58$3,301,262$0$0$1,304,384
59$3,565,412$0$0$1,410,776
60$3,854,220$0$0$1,527,180
61$4,170,127$0$0$1,654,592
62$4,515,825$0$0$1,794,106
63$4,894,275$0$0$1,946,929
64$5,308,738$0$0$2,114,389
65$5,762,807$0$0$2,297,950
66$6,260,437$0$0$2,499,223
67$6,805,985$0$0$2,719,982
68$7,404,249$0$0$2,962,183
69$8,060,513$0$0$3,227,978
70$8,780,599$0$0$3,519,739
71$9,570,917$0$0$3,840,079
72$10,438,531$0$0$4,191,876
73$11,391,221$0$0$4,578,299
74$12,437,555$0$0$5,002,841
75$13,586,975$0$0$5,469,350
76$14,849,881$0$0$5,982,063
77$16,237,729$0$0$6,545,650
78$17,763,143$0$0$7,165,256
79$19,440,028$0$0$7,846,548
80$21,283,704$0$0$8,595,771
81$23,311,049$0$0$9,419,803
82$25,540,661$0$0$10,326,226
83$27,993,028$0$0$11,323,391
84$30,690,723$0$0$12,420,499
85$33,658,619$0$0$13,627,689
86$36,924,120$0$0$14,956,132
87$40,517,421$0$0$16,418,136
88$44,471,789$0$0$18,027,263
89$48,823,884$0$0$19,798,458
90$53,614,095$0$0$21,748,185
91$58,886,928$0$0$23,894,589
92$64,691,422$0$0$26,257,660
93$71,081,613$0$0$28,859,429
94$78,117,040$0$0$31,724,167
95$85,863,312$0$0$34,878,623
96$94,392,721$0$0$38,352,268
97$103,784,927$0$0$42,177,581
98$114,127,709$0$0$46,390,347
99$125,517,792$0$0$51,030,000
100$138,061,758$0$0$56,139,995