Can I retire at age 30 with 522,000?

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 $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%13.2%
1 years$43,106$42,722$42,348$41,982$41,625$41,071
2 years$21,340$20,942$20,557$20,184$19,821$19,264
3 years$14,085$13,686$13,302$12,932$12,576$12,032
4 years$10,459$10,061$9,680$9,317$8,969$8,444
5 years$8,283$7,888$7,512$7,156$6,818$6,313
6 years$6,833$6,441$6,071$5,723$5,395$4,910
7 years$5,798$5,409$5,045$4,705$4,388$3,923
8 years$5,022$4,637$4,279$3,947$3,640$3,196
9 years$4,419$4,037$3,685$3,362$3,065$2,642
10 years$3,937$3,558$3,213$2,898$2,612$2,208
11 years$3,542$3,168$2,829$2,522$2,246$1,862
12 years$3,214$2,843$2,510$2,212$1,947$1,582
13 years$2,936$2,569$2,243$1,953$1,697$1,351
14 years$2,699$2,336$2,015$1,734$1,488$1,160
15 years$2,493$2,134$1,819$1,546$1,310$1,000
16 years$2,313$1,958$1,650$1,384$1,158$865
17 years$2,154$1,803$1,501$1,244$1,027$750
18 years$2,013$1,666$1,370$1,121$913$652
19 years$1,887$1,544$1,254$1,013$814$568
20 years$1,774$1,435$1,151$917$727$496
21 years$1,672$1,336$1,059$833$650$433
22 years$1,579$1,247$976$757$583$379
23 years$1,494$1,167$901$689$523$332
24 years$1,417$1,093$833$629$470$291
25 years$1,346$1,026$772$574$423$256
26 years$1,280$964$716$525$381$225
27 years$1,220$907$665$481$344$198
28 years$1,163$855$618$440$310$174
29 years$1,111$807$575$404$280$153
30 years$1,063$762$536$371$253$135
31 years$1,017$720$499$340$229$119
32 years$975$681$466$313$207$105
33 years$935$645$435$288$187$92
34 years$897$612$406$265$170$81
35 years$862$580$380$244$154$72
36 years$829$551$356$224$139$63
37 years$798$523$333$207$126$56
38 years$768$497$312$191$114$49
39 years$740$473$292$176$104$43
40 years$714$450$274$162$94$38
41 years$688$428$257$150$85$34
42 years$665$408$241$138$77$30
43 years$642$388$226$127$70$26
44 years$620$370$212$118$64$23
45 years$600$353$199$109$58$21
46 years$580$337$187$100$53$18
47 years$561$321$176$93$48$16
48 years$543$307$165$86$43$14
49 years$526$293$155$79$39$12
50 years$510$280$146$73$36$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $522,000, adding $6,431 every year, while hoping to spend $30,724 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: 78/6/16 Blend
29$522,000$522,000$522,000$522,000
30$581,878$554,212$546,121$624,764
31$608,539$548,678$531,726$648,408
32$636,890$541,843$515,818$669,807
33$667,071$533,612$498,316$692,431
34$699,235$523,881$479,132$716,389
35$733,549$512,543$458,175$741,804
36$770,197$499,484$435,351$768,812
37$809,381$484,583$410,559$797,561
38$851,322$467,711$383,696$828,216
39$896,261$448,733$354,655$860,960
40$944,464$427,506$323,320$895,992
41$996,222$403,877$289,574$933,533
42$1,051,856$377,686$253,294$973,830
43$1,111,716$348,763$214,350$1,017,150
44$1,176,188$316,929$172,608$1,063,792
45$1,245,695$281,994$127,926$1,114,086
46$1,320,701$243,758$80,157$1,168,392
47$1,401,719$202,008$29,149$1,227,114
48$1,489,309$156,522$0$1,290,691
49$1,584,089$107,061$0$1,363,931
50$1,686,737$53,378$0$1,448,644
51$1,797,998$0$0$1,540,475
52$1,918,694$0$0$1,640,427
53$2,049,725$0$0$1,752,779
54$2,192,084$0$0$1,874,859
55$2,346,863$0$0$2,007,605
56$2,515,261$0$0$2,152,049
57$2,698,600$0$0$2,309,326
58$2,898,333$0$0$2,480,685
59$3,116,060$0$0$2,667,500
60$3,353,541$0$0$2,871,284
61$3,612,714$0$0$3,093,704
62$3,895,712$0$0$3,336,590
63$4,204,882$0$0$3,601,962
64$4,542,809$0$0$3,892,041
65$4,912,339$0$0$4,209,272
66$5,316,606$0$0$4,556,348
67$5,759,059$0$0$4,936,235
68$6,243,497$0$0$5,352,197
69$6,774,104$0$0$5,807,830
70$7,355,486$0$0$6,307,093
71$7,992,718$0$0$6,854,347
72$8,691,387$0$0$7,454,395
73$9,457,648$0$0$8,112,526
74$10,298,279$0$0$8,834,567
75$11,220,747$0$0$9,626,935
76$12,233,276$0$0$10,496,698
77$13,344,925$0$0$11,451,644
78$14,565,674$0$0$12,500,348
79$15,906,516$0$0$13,652,261
80$17,379,560$0$0$14,917,790
81$18,998,149$0$0$16,308,403
82$20,776,978$0$0$17,836,732
83$22,732,241$0$0$19,516,694
84$24,881,774$0$0$21,363,621
85$27,245,231$0$0$23,394,406
86$29,844,265$0$0$25,627,660
87$32,702,731$0$0$28,083,887
88$35,846,912$0$0$30,785,678
89$39,305,768$0$0$33,757,924
90$43,111,204$0$0$37,028,052
91$47,298,377$0$0$40,626,277
92$51,906,022$0$0$44,585,894
93$56,976,817$0$0$48,943,588
94$62,557,789$0$0$53,739,779
95$68,700,755$0$0$59,019,006
96$75,462,809$0$0$64,830,344
97$82,906,861$0$0$71,227,868
98$91,102,232$0$0$78,271,161
99$100,125,305$0$0$86,025,879
100$110,060,247$0$0$94,564,366