Can I retire at age 30 with 552,000?

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 $552,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$45,584$45,178$44,781$44,395$44,017$43,395
2 years$22,566$22,146$21,739$21,344$20,961$20,335
3 years$14,895$14,473$14,066$13,675$13,298$12,689
4 years$11,060$10,639$10,237$9,852$9,484$8,896
5 years$8,759$8,341$7,944$7,567$7,210$6,644
6 years$7,226$6,811$6,420$6,052$5,705$5,162
7 years$6,132$5,720$5,335$4,975$4,640$4,120
8 years$5,311$4,903$4,525$4,174$3,849$3,352
9 years$4,673$4,269$3,897$3,555$3,241$2,768
10 years$4,163$3,763$3,397$3,065$2,762$2,311
11 years$3,746$3,350$2,991$2,667$2,375$1,946
12 years$3,399$3,007$2,655$2,339$2,058$1,651
13 years$3,105$2,717$2,372$2,065$1,795$1,409
14 years$2,854$2,470$2,131$1,833$1,573$1,208
15 years$2,636$2,256$1,924$1,635$1,385$1,039
16 years$2,446$2,070$1,744$1,464$1,224$898
17 years$2,278$1,906$1,587$1,315$1,086$777
18 years$2,129$1,762$1,449$1,185$965$675
19 years$1,996$1,633$1,326$1,071$860$587
20 years$1,876$1,517$1,217$970$769$512
21 years$1,768$1,413$1,120$880$688$446
22 years$1,670$1,319$1,032$801$616$390
23 years$1,580$1,234$953$729$553$341
24 years$1,498$1,156$881$665$497$299
25 years$1,423$1,085$816$607$448$262
26 years$1,354$1,020$757$555$403$230
27 years$1,290$960$703$508$363$202
28 years$1,230$904$653$466$328$177
29 years$1,175$853$608$427$296$156
30 years$1,124$806$566$392$268$137
31 years$1,076$761$528$360$242$120
32 years$1,031$721$493$331$219$106
33 years$989$682$460$304$198$93
34 years$949$647$430$280$179$82
35 years$912$613$402$258$162$72
36 years$877$582$376$237$147$64
37 years$844$553$352$219$133$56
38 years$812$526$330$202$121$49
39 years$783$500$309$186$110$43
40 years$755$475$289$171$99$38
41 years$728$453$271$158$90$34
42 years$703$431$255$146$82$30
43 years$679$411$239$135$74$26
44 years$656$391$224$124$67$23
45 years$634$373$210$115$61$20
46 years$613$356$198$106$56$18
47 years$593$340$186$98$50$16
48 years$574$324$175$91$46$14
49 years$556$310$164$84$42$12
50 years$539$296$154$77$38$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $552,000, adding $3,299 every year, while hoping to spend $23,527 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: 63/20/17 Blend
29$552,000$552,000$552,000$552,000
30$611,707$582,451$573,895$647,441
31$649,068$585,958$568,088$675,363
32$689,452$588,849$561,298$702,876
33$733,142$591,069$553,467$732,363
34$780,449$592,557$544,534$764,016
35$831,716$593,254$534,438$798,050
36$887,320$593,092$523,110$834,700
37$947,674$592,001$510,482$874,228
38$1,013,235$589,907$496,481$916,921
39$1,084,503$586,731$481,031$963,096
40$1,162,030$582,388$464,053$1,013,107
41$1,246,422$576,790$445,464$1,067,340
42$1,338,347$569,843$425,177$1,126,223
43$1,438,539$561,446$403,101$1,190,231
44$1,547,807$551,494$379,142$1,259,885
45$1,667,040$539,874$353,200$1,335,762
46$1,797,217$526,467$325,172$1,418,499
47$1,939,417$511,148$294,949$1,508,799
48$2,094,827$493,783$262,418$1,607,438
49$2,264,752$474,231$227,462$1,715,273
50$2,450,631$452,343$189,956$1,833,250
51$2,654,049$427,961$149,773$1,962,413
52$2,876,749$400,918$106,778$2,103,914
53$3,120,651$371,037$60,829$2,259,024
54$3,387,872$338,133$11,782$2,429,149
55$3,680,741$302,006$0$2,615,836
56$4,001,822$262,450$0$2,828,152
57$4,353,941$219,244$0$3,063,385
58$4,740,210$172,154$0$3,321,508
59$5,164,057$120,935$0$3,604,847
60$5,629,257$65,327$0$3,915,970
61$6,139,969$5,056$0$4,257,706
62$6,700,775$0$0$4,633,176
63$7,316,720$0$0$5,059,059
64$7,993,365$0$0$5,528,175
65$8,736,833$0$0$6,043,664
66$9,553,871$0$0$6,610,209
67$10,451,912$0$0$7,232,970
68$11,439,145$0$0$7,917,630
69$12,524,592$0$0$8,670,453
70$13,718,192$0$0$9,498,338
71$15,030,897$0$0$10,408,888
72$16,474,770$0$0$11,410,478
73$18,063,107$0$0$12,512,337
74$19,810,553$0$0$13,724,632
75$21,733,246$0$0$15,058,566
76$23,848,968$0$0$16,526,483
77$26,177,309$0$0$18,141,984
78$28,739,857$0$0$19,920,055
79$31,560,398$0$0$21,877,208
80$34,665,140$0$0$24,031,638
81$38,082,961$0$0$26,403,392
82$41,845,682$0$0$29,014,562
83$45,988,366$0$0$31,889,490
84$50,549,649$0$0$35,054,996
85$55,572,101$0$0$38,540,637
86$61,102,636$0$0$42,378,979
87$67,192,943$0$0$46,605,908
88$73,899,984$0$0$51,260,969
89$81,286,523$0$0$56,387,736
90$89,421,725$0$0$62,034,224
91$98,381,803$0$0$68,253,345
92$108,250,739$0$0$75,103,403
93$119,121,078$0$0$82,648,645
94$131,094,797$0$0$90,959,870
95$144,284,271$0$0$100,115,094
96$158,813,333$0$0$110,200,286
97$174,818,439$0$0$121,310,181
98$192,449,960$0$0$133,549,173
99$211,873,596$0$0$147,032,301
100$233,271,947$0$0$161,886,334