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%11.9%
1 years$43,437$43,050$42,672$42,304$41,944$41,610
2 years$21,503$21,103$20,715$20,338$19,973$19,637
3 years$14,193$13,791$13,404$13,031$12,672$12,343
4 years$10,539$10,138$9,755$9,388$9,038$8,719
5 years$8,347$7,948$7,570$7,211$6,870$6,563
6 years$6,886$6,490$6,118$5,767$5,436$5,140
7 years$5,843$5,451$5,084$4,741$4,421$4,137
8 years$5,061$4,672$4,311$3,977$3,668$3,395
9 years$4,453$4,068$3,713$3,388$3,089$2,828
10 years$3,967$3,586$3,237$2,920$2,632$2,383
11 years$3,570$3,192$2,850$2,541$2,263$2,026
12 years$3,239$2,865$2,529$2,229$1,961$1,735
13 years$2,959$2,589$2,260$1,968$1,710$1,495
14 years$2,719$2,353$2,031$1,747$1,499$1,294
15 years$2,512$2,150$1,833$1,558$1,320$1,125
16 years$2,330$1,973$1,662$1,395$1,167$982
17 years$2,171$1,817$1,513$1,253$1,035$859
18 years$2,029$1,679$1,381$1,130$920$754
19 years$1,902$1,556$1,264$1,021$820$663
20 years$1,788$1,446$1,160$924$732$584
21 years$1,685$1,347$1,067$839$655$516
22 years$1,591$1,257$983$763$587$456
23 years$1,506$1,176$908$695$527$403
24 years$1,428$1,102$840$634$474$357
25 years$1,356$1,034$778$579$426$317
26 years$1,290$972$721$529$384$281
27 years$1,229$914$670$484$346$250
28 years$1,172$862$623$444$313$222
29 years$1,120$813$579$407$282$198
30 years$1,071$768$540$373$255$176
31 years$1,025$726$503$343$231$157
32 years$982$687$469$315$209$139
33 years$942$650$438$290$189$124
34 years$904$616$410$267$171$111
35 years$869$584$383$245$155$99
36 years$835$555$358$226$140$88
37 years$804$527$335$208$127$78
38 years$774$501$314$192$115$70
39 years$746$476$294$177$104$62
40 years$719$453$276$163$95$56
41 years$694$431$259$151$86$50
42 years$670$411$243$139$78$44
43 years$647$391$228$128$71$40
44 years$625$373$214$119$64$35
45 years$604$356$201$109$58$32
46 years$584$339$188$101$53$28
47 years$565$324$177$93$48$25
48 years$547$309$166$86$44$23
49 years$530$295$156$80$40$20
50 years$514$282$147$74$36$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $526,000, adding $3,586 every year, while hoping to spend $39,438 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: 57/16/27 Blend
29$526,000$526,000$526,000$526,000
30$583,351$555,473$547,320$612,106
31$600,891$540,729$523,693$617,482
32$618,898$523,942$497,954$618,892
33$637,379$504,968$469,988$619,615
34$656,338$483,658$439,679$619,595
35$675,781$459,853$406,905$618,775
36$695,710$433,386$371,536$617,094
37$716,129$404,078$333,438$614,486
38$737,038$371,741$292,472$610,880
39$758,437$336,178$248,492$606,204
40$780,326$297,179$201,344$600,378
41$802,699$254,521$150,869$593,318
42$825,552$207,970$96,901$584,936
43$848,877$157,279$39,266$575,136
44$872,664$102,187$0$563,818
45$896,898$42,417$0$557,281
46$921,564$0$0$561,492
47$946,641$0$0$568,994
48$972,105$0$0$584,181
49$997,927$0$0$599,568
50$1,024,072$0$0$615,132
51$1,050,502$0$0$630,847
52$1,077,169$0$0$646,684
53$1,104,022$0$0$662,609
54$1,130,998$0$0$678,581
55$1,158,029$0$0$694,557
56$1,185,034$0$0$710,485
57$1,211,923$0$0$726,309
58$1,238,595$0$0$741,961
59$1,264,934$0$0$757,370
60$1,290,809$0$0$772,452
61$1,316,074$0$0$787,114
62$1,340,565$0$0$801,251
63$1,364,096$0$0$814,747
64$1,386,463$0$0$827,470
65$1,407,432$0$0$839,273
66$1,426,745$0$0$849,994
67$1,444,115$0$0$859,450
68$1,459,220$0$0$867,436
69$1,471,701$0$0$873,728
70$1,481,161$0$0$878,072
71$1,487,154$0$0$880,190
72$1,489,188$0$0$879,768
73$1,486,716$0$0$876,462
74$1,479,129$0$0$869,888
75$1,465,753$0$0$859,621
76$1,445,838$0$0$845,187
77$1,418,555$0$0$826,065
78$1,382,984$0$0$801,675
79$1,338,107$0$0$771,374
80$1,282,795$0$0$734,453
81$1,215,800$0$0$690,124
82$1,135,739$0$0$637,517
83$1,041,084$0$0$575,670
84$930,143$0$0$503,518
85$801,047$0$0$419,884
86$651,727$0$0$323,467
87$479,900$0$0$212,829
88$283,040$0$0$86,382
89$58,357$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0