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%13.1%
1 years$52,520$52,052$51,596$51,151$50,716$50,061
2 years$26,000$25,516$25,047$24,592$24,150$23,492
3 years$17,161$16,675$16,207$15,756$15,322$14,680
4 years$12,743$12,258$11,794$11,351$10,928$10,307
5 years$10,092$9,610$9,153$8,719$8,307$7,710
6 years$8,326$7,848$7,397$6,973$6,573$6,000
7 years$7,065$6,590$6,147$5,733$5,346$4,797
8 years$6,119$5,649$5,213$4,809$4,435$3,910
9 years$5,384$4,919$4,490$4,096$3,735$3,234
10 years$4,796$4,335$3,914$3,531$3,182$2,705
11 years$4,316$3,860$3,446$3,073$2,737$2,282
12 years$3,916$3,464$3,058$2,695$2,372$1,940
13 years$3,578$3,131$2,733$2,380$2,068$1,658
14 years$3,288$2,846$2,455$2,112$1,813$1,424
15 years$3,037$2,600$2,217$1,884$1,596$1,229
16 years$2,818$2,385$2,010$1,687$1,411$1,063
17 years$2,624$2,197$1,829$1,516$1,251$923
18 years$2,453$2,030$1,669$1,366$1,112$803
19 years$2,299$1,881$1,528$1,234$991$700
20 years$2,162$1,748$1,403$1,118$885$611
21 years$2,037$1,628$1,290$1,014$792$535
22 years$1,924$1,520$1,189$922$710$468
23 years$1,821$1,422$1,098$840$638$411
24 years$1,726$1,332$1,015$766$573$361
25 years$1,640$1,250$940$700$516$317
26 years$1,560$1,175$872$640$465$278
27 years$1,486$1,106$810$586$419$245
28 years$1,418$1,042$753$537$378$216
29 years$1,354$983$701$492$341$190
30 years$1,295$928$653$452$308$167
31 years$1,239$877$608$415$279$148
32 years$1,188$830$568$381$252$130
33 years$1,139$786$530$350$228$115
34 years$1,093$745$495$322$207$101
35 years$1,051$707$463$297$187$89
36 years$1,010$671$433$273$170$79
37 years$972$637$405$252$154$70
38 years$936$605$380$232$139$62
39 years$902$576$356$214$126$54
40 years$870$548$333$197$115$48
41 years$839$521$313$182$104$42
42 years$810$497$293$168$94$37
43 years$782$473$275$155$86$33
44 years$756$451$258$143$78$29
45 years$731$430$243$132$71$26
46 years$707$410$228$122$64$23
47 years$684$392$214$113$58$20
48 years$662$374$201$104$53$18
49 years$641$357$189$96$48$16
50 years$621$341$178$89$44$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $636,000, adding $5,149 every year, while hoping to spend $41,906 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: 39/50/11 Blend
29$636,000$636,000$636,000$636,000
30$706,183$672,475$662,617$731,185
31$733,626$660,839$640,227$737,722
32$762,464$647,228$615,683$740,282
33$792,794$631,501$588,867$742,119
34$824,724$613,509$559,659$743,186
35$858,369$593,094$527,931$743,436
36$893,856$570,089$493,550$742,821
37$931,322$544,317$456,377$741,291
38$970,919$515,590$416,266$738,797
39$1,012,809$483,710$373,068$735,287
40$1,057,171$448,468$326,622$730,711
41$1,104,202$409,642$276,763$725,017
42$1,154,115$366,999$223,319$718,157
43$1,207,144$320,291$166,109$710,080
44$1,263,543$269,256$104,944$700,736
45$1,323,594$213,618$39,629$690,080
46$1,387,601$153,087$0$678,067
47$1,455,901$87,352$0$668,185
48$1,528,860$16,090$0$662,059
49$1,606,882$0$0$655,026
50$1,690,407$0$0$680,671
51$1,779,920$0$0$717,698
52$1,875,952$0$0$757,481
53$1,979,085$0$0$800,270
54$2,089,959$0$0$846,337
55$2,209,275$0$0$895,982
56$2,337,806$0$0$949,536
57$2,476,397$0$0$1,007,361
58$2,625,978$0$0$1,069,854
59$2,787,572$0$0$1,137,453
60$2,962,301$0$0$1,210,640
61$3,151,401$0$0$1,289,942
62$3,356,227$0$0$1,375,942
63$3,578,272$0$0$1,469,278
64$3,819,176$0$0$1,570,653
65$4,080,744$0$0$1,680,841
66$4,364,961$0$0$1,800,693
67$4,674,009$0$0$1,931,144
68$5,010,290$0$0$2,073,225
69$5,376,447$0$0$2,228,069
70$5,775,388$0$0$2,396,923
71$6,210,314$0$0$2,581,161
72$6,684,745$0$0$2,782,293
73$7,202,560$0$0$3,001,983
74$7,768,024$0$0$3,242,062
75$8,385,836$0$0$3,504,546
76$9,061,168$0$0$3,791,655
77$9,799,712$0$0$4,105,833
78$10,607,739$0$0$4,449,772
79$11,492,150$0$0$4,826,434
80$12,460,548$0$0$5,239,083
81$13,521,303$0$0$5,691,313
82$14,683,633$0$0$6,187,084
83$15,957,690$0$0$6,730,753
84$17,354,655$0$0$7,327,123
85$18,886,843$0$0$7,981,482
86$20,567,817$0$0$8,699,657
87$22,412,518$0$0$9,488,063
88$24,437,402$0$0$10,353,770
89$26,660,597$0$0$11,304,563
90$29,102,071$0$0$12,349,020
91$31,783,822$0$0$13,496,591
92$34,730,080$0$0$14,757,685
93$37,967,544$0$0$16,143,771
94$41,525,620$0$0$17,667,483
95$45,436,711$0$0$19,342,740
96$49,736,509$0$0$21,184,878
97$54,464,343$0$0$23,210,794
98$59,663,540$0$0$25,439,103
99$65,381,835$0$0$27,890,314
100$71,671,824$0$0$30,587,027