Can I retire at age 30 with 636,000?

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 $636,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$52,520$52,052$51,596$51,151$50,716$49,550
2 years$26,000$25,516$25,047$24,592$24,150$22,982
3 years$17,161$16,675$16,207$15,756$15,322$14,188
4 years$12,743$12,258$11,794$11,351$10,928$9,837
5 years$10,092$9,610$9,153$8,719$8,307$7,262
6 years$8,326$7,848$7,397$6,973$6,573$5,575
7 years$7,065$6,590$6,147$5,733$5,346$4,395
8 years$6,119$5,649$5,213$4,809$4,435$3,531
9 years$5,384$4,919$4,490$4,096$3,735$2,877
10 years$4,796$4,335$3,914$3,531$3,182$2,370
11 years$4,316$3,860$3,446$3,073$2,737$1,969
12 years$3,916$3,464$3,058$2,695$2,372$1,646
13 years$3,578$3,131$2,733$2,380$2,068$1,384
14 years$3,288$2,846$2,455$2,112$1,813$1,169
15 years$3,037$2,600$2,217$1,884$1,596$991
16 years$2,818$2,385$2,010$1,687$1,411$843
17 years$2,624$2,197$1,829$1,516$1,251$719
18 years$2,453$2,030$1,669$1,366$1,112$614
19 years$2,299$1,881$1,528$1,234$991$525
20 years$2,162$1,748$1,403$1,118$885$450
21 years$2,037$1,628$1,290$1,014$792$387
22 years$1,924$1,520$1,189$922$710$332
23 years$1,821$1,422$1,098$840$638$286
24 years$1,726$1,332$1,015$766$573$246
25 years$1,640$1,250$940$700$516$212
26 years$1,560$1,175$872$640$465$183
27 years$1,486$1,106$810$586$419$157
28 years$1,418$1,042$753$537$378$136
29 years$1,354$983$701$492$341$117
30 years$1,295$928$653$452$308$101
31 years$1,239$877$608$415$279$87
32 years$1,188$830$568$381$252$75
33 years$1,139$786$530$350$228$65
34 years$1,093$745$495$322$207$56
35 years$1,051$707$463$297$187$49
36 years$1,010$671$433$273$170$42
37 years$972$637$405$252$154$36
38 years$936$605$380$232$139$31
39 years$902$576$356$214$126$27
40 years$870$548$333$197$115$24
41 years$839$521$313$182$104$20
42 years$810$497$293$168$94$18
43 years$782$473$275$155$86$15
44 years$756$451$258$143$78$13
45 years$731$430$243$132$71$11
46 years$707$410$228$122$64$10
47 years$684$392$214$113$58$9
48 years$662$374$201$104$53$7
49 years$641$357$189$96$48$6
50 years$621$341$178$89$44$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $636,000, adding $4,247 every year, while hoping to spend $26,417 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: 65/27/8 Blend
29$636,000$636,000$636,000$636,000
30$705,253$671,545$661,687$749,722
31$749,081$676,343$655,746$784,655
32$796,494$680,491$648,720$819,284
33$847,831$683,929$640,546$856,429
34$903,461$686,593$631,157$896,333
35$963,794$688,416$620,480$939,263
36$1,029,279$689,326$608,444$985,515
37$1,100,410$689,247$594,971$1,035,414
38$1,177,729$688,098$579,980$1,089,321
39$1,261,834$685,792$563,387$1,147,631
40$1,353,384$682,238$545,103$1,210,783
41$1,453,102$677,340$525,036$1,279,261
42$1,561,783$670,995$503,089$1,353,596
43$1,680,304$663,093$479,162$1,434,379
44$1,809,630$653,519$453,149$1,522,259
45$1,950,822$642,152$424,939$1,617,952
46$2,105,049$628,860$394,418$1,722,249
47$2,273,597$613,508$361,464$1,836,023
48$2,457,883$595,948$325,952$1,960,237
49$2,659,466$576,029$287,750$2,095,954
50$2,880,063$553,586$246,722$2,244,346
51$3,121,565$528,447$202,722$2,406,707
52$3,386,054$500,430$155,603$2,584,465
53$3,675,823$469,342$105,206$2,779,194
54$3,993,396$434,979$51,370$2,992,631
55$4,341,555$397,126$0$3,226,695
56$4,723,362$355,554$0$3,484,019
57$5,142,191$310,022$0$3,771,129
58$5,601,758$260,276$0$4,086,226
59$6,106,154$206,047$0$4,432,166
60$6,659,890$147,051$0$4,812,096
61$7,267,930$82,988$0$5,229,489
62$7,935,745$13,541$0$5,688,175
63$8,669,362$0$0$6,192,374
64$9,475,419$0$0$6,765,052
65$10,361,230$0$0$7,398,859
66$11,334,852$0$0$8,095,544
67$12,405,162$0$0$8,861,463
68$13,581,939$0$0$9,703,622
69$14,875,959$0$0$10,629,737
70$16,299,091$0$0$11,648,310
71$17,864,415$0$0$12,768,710
72$19,586,341$0$0$14,001,257
73$21,480,746$0$0$15,357,323
74$23,565,122$0$0$16,849,438
75$25,858,746$0$0$18,491,407
76$28,382,853$0$0$20,298,442
77$31,160,845$0$0$22,287,303
78$34,218,504$0$0$24,476,458
79$37,584,241$0$0$26,886,257
80$41,289,360$0$0$29,539,120
81$45,368,354$0$0$32,459,756
82$49,859,231$0$0$35,675,387
83$54,803,871$0$0$39,216,011
84$60,248,424$0$0$43,114,684
85$66,243,739$0$0$47,407,828
86$72,845,851$0$0$52,135,580
87$80,116,503$0$0$57,342,166
88$88,123,734$0$0$63,076,319
89$96,942,516$0$0$69,391,741
90$106,655,464$0$0$76,347,607
91$117,353,614$0$0$84,009,127
92$129,137,282$0$0$92,448,154
93$142,117,014$0$0$101,743,870
94$156,414,622$0$0$111,983,528
95$172,164,338$0$0$123,263,277
96$189,514,081$0$0$135,689,070
97$208,626,851$0$0$149,377,661
98$229,682,267$0$0$164,457,711
99$252,878,263$0$0$181,070,996
100$278,432,955$0$0$199,373,753