Can I retire at age 30 with 528,000?

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 $528,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$43,602$43,213$42,834$42,465$42,103$41,664
2 years$21,585$21,183$20,793$20,416$20,049$19,606
3 years$14,247$13,843$13,455$13,081$12,720$12,288
4 years$10,579$10,176$9,792$9,424$9,072$8,654
5 years$8,378$7,978$7,599$7,238$6,896$6,493
6 years$6,912$6,515$6,141$5,789$5,457$5,070
7 years$5,865$5,471$5,103$4,759$4,438$4,067
8 years$5,080$4,690$4,328$3,992$3,682$3,326
9 years$4,470$4,083$3,728$3,401$3,101$2,761
10 years$3,982$3,599$3,250$2,931$2,642$2,317
11 years$3,583$3,204$2,861$2,551$2,272$1,963
12 years$3,251$2,876$2,539$2,238$1,969$1,675
13 years$2,970$2,599$2,269$1,976$1,717$1,437
14 years$2,730$2,362$2,038$1,754$1,505$1,240
15 years$2,521$2,158$1,840$1,564$1,325$1,073
16 years$2,339$1,980$1,668$1,400$1,171$933
17 years$2,179$1,824$1,518$1,258$1,038$813
18 years$2,036$1,685$1,386$1,134$923$710
19 years$1,909$1,562$1,269$1,025$823$622
20 years$1,795$1,451$1,164$928$735$546
21 years$1,691$1,352$1,071$842$658$479
22 years$1,597$1,262$987$766$590$422
23 years$1,512$1,180$911$697$529$372
24 years$1,433$1,106$843$636$476$328
25 years$1,361$1,038$781$581$428$289
26 years$1,295$975$724$531$386$256
27 years$1,234$918$672$486$348$226
28 years$1,177$865$625$445$314$200
29 years$1,124$816$582$408$283$177
30 years$1,075$770$542$375$256$157
31 years$1,029$728$505$344$231$139
32 years$986$689$471$316$209$123
33 years$946$653$440$291$189$109
34 years$908$619$411$268$172$97
35 years$872$587$384$246$155$86
36 years$839$557$360$227$141$76
37 years$807$529$337$209$128$68
38 years$777$503$315$193$116$60
39 years$749$478$295$178$105$53
40 years$722$455$277$164$95$47
41 years$696$433$260$151$86$42
42 years$672$412$243$140$78$37
43 years$649$393$228$129$71$33
44 years$627$374$214$119$65$29
45 years$606$357$201$110$59$26
46 years$587$341$189$101$53$23
47 years$568$325$178$94$48$21
48 years$549$310$167$87$44$18
49 years$532$296$157$80$40$16
50 years$516$283$148$74$36$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $528,000, adding $5,791 every year, while hoping to spend $20,854 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: 74/8/18 Blend
29$528,000$528,000$528,000$528,000
30$587,829$559,845$551,661$628,461
31$625,600$565,089$547,954$661,418
32$666,523$569,891$543,423$694,410
33$710,900$574,208$538,019$730,017
34$759,060$577,992$531,690$768,494
35$811,365$581,194$524,383$810,123
36$868,214$583,762$516,039$855,213
37$930,045$585,640$506,600$904,106
38$997,341$586,768$496,003$957,180
39$1,070,633$587,083$484,182$1,014,850
40$1,150,505$586,517$471,069$1,077,573
41$1,237,600$585,000$456,594$1,145,856
42$1,332,626$582,455$440,680$1,220,255
43$1,436,361$578,803$423,250$1,301,384
44$1,549,662$573,957$404,222$1,389,919
45$1,673,475$567,828$383,510$1,486,608
46$1,808,838$560,320$361,026$1,592,273
47$1,956,894$551,331$336,676$1,707,821
48$2,118,905$540,753$310,362$1,834,253
49$2,296,256$528,473$281,982$1,972,670
50$2,490,476$514,370$251,430$2,124,290
51$2,703,246$498,316$218,594$2,290,451
52$2,936,419$480,175$183,359$2,472,633
53$3,192,035$459,805$145,603$2,672,464
54$3,472,341$437,054$105,199$2,891,741
55$3,779,812$411,762$62,016$3,132,443
56$4,117,174$383,759$15,914$3,396,754
57$4,487,429$352,867$0$3,687,081
58$4,893,885$318,895$0$4,012,470
59$5,340,184$281,644$0$4,373,129
60$5,830,340$240,902$0$4,769,255
61$6,368,774$196,445$0$5,204,434
62$6,960,356$148,038$0$5,682,616
63$7,610,451$95,431$0$6,208,158
64$8,324,971$38,361$0$6,785,855
65$9,110,427$0$0$7,420,995
66$9,973,992$0$0$8,121,469
67$10,923,572$0$0$8,895,450
68$11,967,875$0$0$9,746,664
69$13,116,494$0$0$10,682,934
70$14,380,001$0$0$11,712,880
71$15,770,043$0$0$12,845,999
72$17,299,453$0$0$14,092,756
73$18,982,370$0$0$15,464,681
74$20,834,373$0$0$16,974,478
75$22,872,628$0$0$18,636,145
76$25,116,050$0$0$20,465,106
77$27,585,478$0$0$22,478,354
78$30,303,877$0$0$24,694,618
79$33,296,551$0$0$27,134,529
80$36,591,380$0$0$29,820,824
81$40,219,087$0$0$32,778,557
82$44,213,524$0$0$36,035,333
83$48,611,995$0$0$39,621,571
84$53,455,604$0$0$43,570,790
85$58,789,644$0$0$47,919,926
86$64,664,026$0$0$52,709,679
87$71,133,747$0$0$57,984,897
88$78,259,410$0$0$63,795,000
89$86,107,796$0$0$70,194,446
90$94,752,494$0$0$77,243,246
91$104,274,596$0$0$85,007,525
92$114,763,457$0$0$93,560,153
93$126,317,548$0$0$102,981,427
94$139,045,375$0$0$113,359,833
95$153,066,508$0$0$124,792,877
96$168,512,710$0$0$137,388,007
97$185,529,177$0$0$151,263,628
98$204,275,912$0$0$166,550,216
99$224,929,229$0$0$183,391,553
100$247,683,427$0$0$201,946,083