Can I retire at age 30 with 526,000?

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 $526,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$43,437$43,050$42,672$42,304$41,944$40,408
2 years$21,503$21,103$20,715$20,338$19,973$18,443
3 years$14,193$13,791$13,404$13,031$12,672$11,195
4 years$10,539$10,138$9,755$9,388$9,038$7,626
5 years$8,347$7,948$7,570$7,211$6,870$5,527
6 years$6,886$6,490$6,118$5,767$5,436$4,163
7 years$5,843$5,451$5,084$4,741$4,421$3,217
8 years$5,061$4,672$4,311$3,977$3,668$2,532
9 years$4,453$4,068$3,713$3,388$3,089$2,019
10 years$3,967$3,586$3,237$2,920$2,632$1,627
11 years$3,570$3,192$2,850$2,541$2,263$1,322
12 years$3,239$2,865$2,529$2,229$1,961$1,080
13 years$2,959$2,589$2,260$1,968$1,710$887
14 years$2,719$2,353$2,031$1,747$1,499$731
15 years$2,512$2,150$1,833$1,558$1,320$605
16 years$2,330$1,973$1,662$1,395$1,167$501
17 years$2,171$1,817$1,513$1,253$1,035$417
18 years$2,029$1,679$1,381$1,130$920$347
19 years$1,902$1,556$1,264$1,021$820$289
20 years$1,788$1,446$1,160$924$732$241
21 years$1,685$1,347$1,067$839$655$202
22 years$1,591$1,257$983$763$587$169
23 years$1,506$1,176$908$695$527$141
24 years$1,428$1,102$840$634$474$118
25 years$1,356$1,034$778$579$426$99
26 years$1,290$972$721$529$384$83
27 years$1,229$914$670$484$346$69
28 years$1,172$862$623$444$313$58
29 years$1,120$813$579$407$282$49
30 years$1,071$768$540$373$255$41
31 years$1,025$726$503$343$231$34
32 years$982$687$469$315$209$29
33 years$942$650$438$290$189$24
34 years$904$616$410$267$171$20
35 years$869$584$383$245$155$17
36 years$835$555$358$226$140$14
37 years$804$527$335$208$127$12
38 years$774$501$314$192$115$10
39 years$746$476$294$177$104$8
40 years$719$453$276$163$95$7
41 years$694$431$259$151$86$6
42 years$670$411$243$139$78$5
43 years$647$391$228$128$71$4
44 years$625$373$214$119$64$4
45 years$604$356$201$109$58$3
46 years$584$339$188$101$53$2
47 years$565$324$177$93$48$2
48 years$547$309$166$86$44$2
49 years$530$295$156$80$40$1
50 years$514$282$147$74$36$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $526,000, adding $4,501 every year, while hoping to spend $27,298 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: 46/45/9 Blend
29$526,000$526,000$526,000$526,000
30$584,295$556,417$548,264$609,510
31$614,848$554,636$537,586$625,589
32$647,603$551,854$525,635$639,834
33$682,755$547,991$512,340$654,661
34$720,519$542,966$497,627$670,134
35$761,131$536,690$481,416$686,323
36$804,849$529,071$463,627$703,308
37$851,958$520,010$444,173$721,179
38$902,771$509,403$422,966$740,036
39$957,629$497,140$399,911$759,994
40$1,016,911$483,103$374,911$781,178
41$1,081,030$467,169$347,865$803,731
42$1,150,441$449,207$318,665$827,811
43$1,225,646$429,078$287,199$853,598
44$1,307,194$406,635$253,353$881,289
45$1,395,690$381,722$217,003$911,108
46$1,491,801$354,177$178,023$943,301
47$1,596,258$323,825$136,280$978,147
48$1,709,868$290,484$91,636$1,015,955
49$1,833,515$253,958$43,947$1,057,068
50$1,968,175$214,044$0$1,101,870
51$2,114,921$170,525$0$1,151,456
52$2,274,935$123,172$0$1,210,181
53$2,449,515$71,743$0$1,274,366
54$2,640,091$15,985$0$1,344,614
55$2,848,240$0$0$1,421,598
56$3,075,694$0$0$1,528,034
57$3,324,361$0$0$1,653,109
58$3,596,344$0$0$1,789,972
59$3,893,954$0$0$1,939,794
60$4,219,741$0$0$2,103,867
61$4,576,509$0$0$2,283,611
62$4,967,348$0$0$2,480,591
63$5,395,659$0$0$2,696,531
64$5,865,190$0$0$2,933,328
65$6,380,067$0$0$3,193,074
66$6,944,835$0$0$3,478,071
67$7,564,500$0$0$3,790,856
68$8,244,577$0$0$4,134,223
69$8,991,139$0$0$4,511,249
70$9,810,878$0$0$4,925,325
71$10,711,163$0$0$5,380,186
72$11,700,115$0$0$5,879,945
73$12,786,676$0$0$6,429,136
74$13,980,700$0$0$7,032,751
75$15,293,043$0$0$7,696,292
76$16,735,664$0$0$8,425,820
77$18,321,739$0$0$9,228,011
78$20,065,782$0$0$10,110,223
79$21,983,788$0$0$11,080,560
80$24,093,376$0$0$12,147,954
81$26,413,960$0$0$13,322,242
82$28,966,930$0$0$14,614,267
83$31,775,854$0$0$16,035,972
84$34,866,698$0$0$17,600,520
85$38,268,074$0$0$19,322,411
86$42,011,507$0$0$21,217,624
87$46,131,733$0$0$23,303,766
88$50,667,026$0$0$25,600,235
89$55,659,560$0$0$28,128,407
90$61,155,803$0$0$30,911,837
91$67,206,961$0$0$33,976,478
92$73,869,455$0$0$37,350,929
93$81,205,456$0$0$41,066,703
94$89,283,471$0$0$45,158,524
95$98,178,987$0$0$49,664,656
96$107,975,187$0$0$54,627,263
97$118,763,731$0$0$60,092,804
98$130,645,621$0$0$66,112,478
99$143,732,155$0$0$72,742,701
100$158,145,978$0$0$80,045,639