Can I retire at age 30 with 665,000?

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 $665,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$54,915$54,426$53,949$53,483$53,028$51,725
2 years$27,186$26,679$26,189$25,713$25,251$23,947
3 years$17,944$17,435$16,946$16,475$16,021$14,755
4 years$13,324$12,817$12,332$11,869$11,426$10,209
5 years$10,552$10,049$9,570$9,117$8,686$7,521
6 years$8,705$8,205$7,734$7,291$6,873$5,762
7 years$7,387$6,891$6,427$5,994$5,589$4,532
8 years$6,398$5,907$5,451$5,028$4,637$3,632
9 years$5,630$5,143$4,695$4,283$3,905$2,953
10 years$5,015$4,533$4,093$3,692$3,327$2,426
11 years$4,513$4,036$3,603$3,213$2,862$2,010
12 years$4,094$3,622$3,198$2,818$2,480$1,677
13 years$3,741$3,273$2,857$2,488$2,162$1,406
14 years$3,438$2,975$2,567$2,209$1,896$1,184
15 years$3,175$2,718$2,318$1,970$1,669$1,001
16 years$2,946$2,494$2,101$1,764$1,475$849
17 years$2,744$2,297$1,912$1,585$1,308$722
18 years$2,565$2,122$1,746$1,428$1,163$615
19 years$2,404$1,967$1,598$1,290$1,037$525
20 years$2,260$1,828$1,467$1,169$926$448
21 years$2,130$1,702$1,349$1,061$829$384
22 years$2,012$1,589$1,243$964$743$329
23 years$1,904$1,486$1,148$878$667$282
24 years$1,805$1,393$1,062$801$599$242
25 years$1,714$1,307$983$732$539$208
26 years$1,631$1,228$912$669$486$178
27 years$1,554$1,156$847$612$438$153
28 years$1,482$1,089$787$561$395$132
29 years$1,416$1,028$733$514$357$113
30 years$1,354$970$682$472$322$98
31 years$1,296$917$636$434$291$84
32 years$1,242$868$594$398$264$72
33 years$1,191$822$554$366$239$62
34 years$1,143$779$518$337$216$54
35 years$1,098$739$484$310$196$46
36 years$1,056$701$453$286$177$40
37 years$1,016$666$424$263$161$34
38 years$979$633$397$243$146$30
39 years$943$602$372$224$132$25
40 years$909$573$349$206$120$22
41 years$877$545$327$190$109$19
42 years$847$519$307$176$99$16
43 years$818$495$288$162$90$14
44 years$790$472$270$150$81$12
45 years$764$450$254$138$74$10
46 years$739$429$238$128$67$9
47 years$715$409$224$118$61$8
48 years$692$391$210$109$55$7
49 years$670$373$198$101$50$6
50 years$649$357$186$93$46$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $665,000, adding $3,203 every year, while hoping to spend $44,452 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: 27/43/30 Blend
29$665,000$665,000$665,000$665,000
30$736,134$700,889$690,581$749,100
31$763,923$687,936$666,419$747,003
32$793,057$672,858$639,958$740,753
33$823,625$655,505$611,073$733,155
34$855,727$635,717$579,636$724,127
35$889,467$613,323$545,510$713,580
36$924,963$588,146$508,555$701,426
37$962,339$559,995$468,621$687,569
38$1,001,733$528,671$425,556$671,914
39$1,043,295$493,960$379,196$654,358
40$1,087,186$455,639$329,375$634,797
41$1,133,584$413,471$275,914$613,121
42$1,182,684$367,205$218,631$589,220
43$1,234,696$316,577$157,334$562,976
44$1,289,852$261,306$91,822$534,271
45$1,348,404$201,097$21,885$502,981
46$1,410,629$135,638$0$468,980
47$1,476,828$64,599$0$449,025
48$1,547,332$0$0$434,670
49$1,622,504$0$0$424,697
50$1,702,739$0$0$446,741
51$1,788,473$0$0$470,364
52$1,880,181$0$0$495,705
53$1,978,386$0$0$522,917
54$2,083,660$0$0$552,170
55$2,196,632$0$0$583,648
56$2,317,991$0$0$617,554
57$2,448,494$0$0$654,111
58$2,588,971$0$0$693,565
59$2,740,334$0$0$736,184
60$2,903,586$0$0$782,264
61$3,079,828$0$0$832,130
62$3,270,268$0$0$886,140
63$3,476,237$0$0$944,687
64$3,699,196$0$0$1,008,203
65$3,940,750$0$0$1,077,162
66$4,202,666$0$0$1,152,089
67$4,486,887$0$0$1,233,557
68$4,795,548$0$0$1,322,199
69$5,130,998$0$0$1,418,712
70$5,495,823$0$0$1,523,862
71$5,892,866$0$0$1,638,490
72$6,325,257$0$0$1,763,525
73$6,796,438$0$0$1,899,987
74$7,310,198$0$0$2,049,002
75$7,870,709$0$0$2,211,805
76$8,482,560$0$0$2,389,758
77$9,150,805$0$0$2,584,362
78$9,881,006$0$0$2,797,268
79$10,679,287$0$0$3,030,292
80$11,552,391$0$0$3,285,438
81$12,507,741$0$0$3,564,910
82$13,553,514$0$0$3,871,134
83$14,698,709$0$0$4,206,786
84$15,953,241$0$0$4,574,810
85$17,328,025$0$0$4,978,448
86$18,835,086$0$0$5,421,272
87$20,487,664$0$0$5,907,219
88$22,300,345$0$0$6,440,620
89$24,289,191$0$0$7,026,251
90$26,471,897$0$0$7,669,369
91$28,867,954$0$0$8,375,769
92$31,498,830$0$0$9,151,831
93$34,388,175$0$0$10,004,587
94$37,562,041$0$0$10,941,780
95$41,049,130$0$0$11,971,944
96$44,881,058$0$0$13,104,478
97$49,092,658$0$0$14,349,741
98$53,722,304$0$0$15,719,141
99$58,812,272$0$0$17,225,250
100$64,409,142$0$0$18,881,920