Can I retire at age 30 with 525,000?

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 $525,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$43,354$42,968$42,591$42,223$41,864$41,103
2 years$21,462$21,063$20,675$20,300$19,935$19,171
3 years$14,166$13,765$13,378$13,006$12,648$11,904
4 years$10,519$10,118$9,736$9,370$9,021$8,304
5 years$8,331$7,933$7,556$7,197$6,857$6,169
6 years$6,873$6,478$6,106$5,756$5,426$4,767
7 years$5,832$5,440$5,074$4,732$4,413$3,784
8 years$5,051$4,663$4,303$3,970$3,661$3,061
9 years$4,444$4,060$3,706$3,381$3,083$2,512
10 years$3,959$3,579$3,231$2,915$2,627$2,085
11 years$3,563$3,186$2,845$2,537$2,259$1,745
12 years$3,232$2,860$2,525$2,225$1,958$1,471
13 years$2,953$2,584$2,256$1,964$1,707$1,247
14 years$2,714$2,349$2,027$1,744$1,496$1,061
15 years$2,507$2,146$1,830$1,555$1,318$907
16 years$2,326$1,969$1,659$1,392$1,165$778
17 years$2,166$1,813$1,510$1,251$1,033$669
18 years$2,025$1,675$1,378$1,127$918$577
19 years$1,898$1,553$1,262$1,019$818$498
20 years$1,784$1,443$1,158$923$731$431
21 years$1,681$1,344$1,065$837$654$373
22 years$1,588$1,255$982$761$586$324
23 years$1,503$1,173$906$693$526$281
24 years$1,425$1,099$838$632$473$244
25 years$1,354$1,032$776$578$426$212
26 years$1,288$970$720$528$383$185
27 years$1,227$913$669$483$346$161
28 years$1,170$860$622$443$312$140
29 years$1,118$811$578$406$282$122
30 years$1,069$766$539$373$255$106
31 years$1,023$724$502$342$230$93
32 years$980$685$469$315$208$81
33 years$940$649$438$289$188$71
34 years$903$615$409$266$171$62
35 years$867$583$382$245$154$54
36 years$834$554$358$226$140$47
37 years$802$526$335$208$127$41
38 years$773$500$313$192$115$36
39 years$744$475$294$177$104$31
40 years$718$452$275$163$95$27
41 years$692$430$258$150$86$24
42 years$668$410$242$139$78$21
43 years$646$391$227$128$71$18
44 years$624$372$213$118$64$16
45 years$603$355$200$109$58$14
46 years$583$339$188$101$53$12
47 years$564$323$177$93$48$11
48 years$546$309$166$86$44$9
49 years$529$295$156$80$40$8
50 years$513$281$147$74$36$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $525,000, adding $6,671 every year, while hoping to spend $32,293 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: 46/36/18 Blend
29$525,000$525,000$525,000$525,000
30$585,431$557,606$549,469$609,073
31$610,786$550,569$533,516$619,212
32$637,644$542,105$515,947$626,439
33$666,125$532,110$496,673$633,595
34$696,360$520,474$475,602$640,689
35$728,491$507,079$452,637$647,730
36$762,675$491,803$427,677$654,733
37$799,080$474,515$400,618$661,714
38$837,896$455,076$371,348$668,696
39$879,326$433,339$339,753$675,707
40$923,595$409,150$305,712$682,778
41$970,949$382,345$269,100$689,950
42$1,021,656$352,751$229,786$697,270
43$1,076,014$320,185$187,632$704,792
44$1,134,346$284,452$142,496$712,581
45$1,197,007$245,349$94,228$720,714
46$1,264,390$202,658$42,673$729,277
47$1,336,922$156,153$0$738,371
48$1,415,074$105,591$0$750,485
49$1,499,365$50,717$0$772,279
50$1,590,361$0$0$795,736
51$1,688,688$0$0$824,527
52$1,795,032$0$0$877,442
53$1,910,147$0$0$934,773
54$2,034,862$0$0$996,938
55$2,170,090$0$0$1,064,398
56$2,316,832$0$0$1,137,662
57$2,476,193$0$0$1,217,286
58$2,649,383$0$0$1,303,884
59$2,837,739$0$0$1,398,133
60$3,042,728$0$0$1,500,774
61$3,265,965$0$0$1,612,625
62$3,509,228$0$0$1,734,587
63$3,774,473$0$0$1,867,649
64$4,063,853$0$0$2,012,902
65$4,379,737$0$0$2,171,545
66$4,724,736$0$0$2,344,900
67$5,101,719$0$0$2,534,420
68$5,513,849$0$0$2,741,707
69$5,964,607$0$0$2,968,524
70$6,457,825$0$0$3,216,812
71$6,997,723$0$0$3,488,708
72$7,588,949$0$0$3,786,567
73$8,236,619$0$0$4,112,981
74$8,946,371$0$0$4,470,805
75$9,724,410$0$0$4,863,183
76$10,577,572$0$0$5,293,579
77$11,513,387$0$0$5,765,808
78$12,540,148$0$0$6,284,071
79$13,666,988$0$0$6,852,996
80$14,903,971$0$0$7,477,682
81$16,262,178$0$0$8,163,746
82$17,753,820$0$0$8,917,372
83$19,392,345$0$0$9,745,378
84$21,192,571$0$0$10,655,271
85$23,170,819$0$0$11,655,324
86$25,345,071$0$0$12,754,647
87$27,735,139$0$0$13,963,282
88$30,362,846$0$0$15,292,289
89$33,252,240$0$0$16,753,854
90$36,429,812$0$0$18,361,404
91$39,924,750$0$0$20,129,732
92$43,769,213$0$0$22,075,136
93$47,998,635$0$0$24,215,575
94$52,652,053$0$0$26,570,835
95$57,772,483$0$0$29,162,718
96$63,407,319$0$0$32,015,245
97$69,608,784$0$0$35,154,885
98$76,434,416$0$0$38,610,801
99$83,947,616$0$0$42,415,130
100$92,218,246$0$0$46,603,280