Can I retire at age 30 with 752,000?

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 $752,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$62,099$61,546$61,007$60,480$59,966$57,792
2 years$30,742$30,170$29,615$29,077$28,555$26,389
3 years$20,291$19,716$19,163$18,630$18,116$16,026
4 years$15,067$14,494$13,946$13,422$12,921$10,922
5 years$11,933$11,363$10,822$10,309$9,822$7,920
6 years$9,844$9,279$8,746$8,244$7,772$5,968
7 years$8,353$7,792$7,268$6,778$6,321$4,615
8 years$7,235$6,679$6,164$5,686$5,244$3,634
9 years$6,366$5,816$5,309$4,843$4,416$2,901
10 years$5,671$5,126$4,628$4,175$3,763$2,339
11 years$5,103$4,564$4,075$3,633$3,236$1,901
12 years$4,630$4,096$3,616$3,187$2,804$1,554
13 years$4,230$3,702$3,231$2,814$2,445$1,277
14 years$3,888$3,365$2,903$2,498$2,144$1,054
15 years$3,591$3,074$2,621$2,227$1,887$872
16 years$3,332$2,820$2,376$1,994$1,668$724
17 years$3,103$2,597$2,162$1,792$1,479$602
18 years$2,900$2,400$1,974$1,615$1,315$501
19 years$2,719$2,224$1,807$1,459$1,172$418
20 years$2,556$2,067$1,658$1,322$1,047$349
21 years$2,409$1,925$1,525$1,199$937$292
22 years$2,275$1,797$1,406$1,091$840$244
23 years$2,153$1,681$1,298$993$754$205
24 years$2,041$1,575$1,201$906$678$171
25 years$1,939$1,478$1,112$827$610$144
26 years$1,844$1,389$1,031$756$549$121
27 years$1,757$1,307$958$692$495$101
28 years$1,676$1,232$890$634$447$85
29 years$1,601$1,162$828$582$403$71
30 years$1,531$1,097$772$534$365$60
31 years$1,465$1,037$719$490$330$50
32 years$1,404$982$671$451$298$42
33 years$1,347$930$627$414$270$35
34 years$1,293$881$586$381$244$30
35 years$1,242$836$547$351$221$25
36 years$1,194$793$512$323$200$21
37 years$1,149$753$479$298$182$18
38 years$1,107$716$449$275$165$15
39 years$1,066$681$421$253$149$12
40 years$1,028$648$394$233$135$10
41 years$992$617$370$215$123$9
42 years$957$587$347$199$112$7
43 years$925$559$325$184$101$6
44 years$893$533$305$169$92$5
45 years$864$509$287$156$83$4
46 years$835$485$269$145$76$4
47 years$808$463$253$134$69$3
48 years$783$442$238$123$62$3
49 years$758$422$224$114$57$2
50 years$734$403$210$105$52$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $752,000, adding $4,581 every year, while hoping to spend $52,161 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: 86/7/7 Blend
29$752,000$752,000$752,000$752,000
30$833,429$793,573$781,917$904,256
31$862,940$776,959$752,613$934,514
32$893,713$757,783$720,578$960,116
33$925,821$735,864$685,667$986,579
34$959,345$711,011$647,726$1,013,954
35$994,369$683,022$606,596$1,042,296
36$1,030,986$651,681$562,109$1,071,664
37$1,069,297$616,764$514,090$1,102,125
38$1,109,409$578,030$462,356$1,133,750
39$1,151,442$535,226$406,717$1,166,620
40$1,195,520$488,084$346,974$1,200,820
41$1,241,784$436,321$282,919$1,236,446
42$1,290,383$379,637$214,333$1,273,603
43$1,341,480$317,717$140,991$1,312,406
44$1,395,253$250,227$62,656$1,352,981
45$1,451,893$176,813$0$1,395,469
46$1,511,613$97,103$0$1,441,585
47$1,574,640$10,704$0$1,495,032
48$1,641,224$0$0$1,551,330
49$1,711,639$0$0$1,617,083
50$1,786,180$0$0$1,687,568
51$1,865,173$0$0$1,762,266
52$1,948,972$0$0$1,841,515
53$2,037,966$0$0$1,925,681
54$2,132,578$0$0$2,015,166
55$2,233,273$0$0$2,110,410
56$2,340,560$0$0$2,211,895
57$2,454,993$0$0$2,320,147
58$2,577,183$0$0$2,435,744
59$2,707,797$0$0$2,559,319
60$2,847,568$0$0$2,691,565
61$2,997,298$0$0$2,833,242
62$3,157,868$0$0$2,985,186
63$3,330,244$0$0$3,148,311
64$3,515,485$0$0$3,323,621
65$3,714,757$0$0$3,512,220
66$3,929,335$0$0$3,715,319
67$4,160,625$0$0$3,934,246
68$4,410,166$0$0$4,170,462
69$4,679,654$0$0$4,425,573
70$4,970,948$0$0$4,701,341
71$5,286,094$0$0$4,999,705
72$5,627,340$0$0$5,322,795
73$5,997,159$0$0$5,672,953
74$6,398,268$0$0$6,052,756
75$6,833,655$0$0$6,465,035
76$7,306,610$0$0$6,912,906
77$7,820,747$0$0$7,399,795
78$8,380,046$0$0$7,929,473
79$8,988,883$0$0$8,506,087
80$9,652,075$0$0$9,134,202
81$10,374,921$0$0$9,818,840
82$11,163,255$0$0$10,565,530
83$12,023,498$0$0$11,380,354
84$12,962,715$0$0$12,270,010
85$13,988,686$0$0$13,241,871
86$15,109,975$0$0$14,304,051
87$16,336,010$0$0$15,465,486
88$17,677,173$0$0$16,736,014
89$19,144,893$0$0$18,126,466
90$20,751,758$0$0$19,648,771
91$22,511,626$0$0$21,316,064
92$24,439,761$0$0$23,142,809
93$26,552,973$0$0$25,144,936
94$28,869,773$0$0$27,339,988
95$31,410,551$0$0$29,747,290
96$34,197,765$0$0$32,388,123
97$37,256,150$0$0$35,285,929
98$40,612,951$0$0$38,466,529
99$44,298,182$0$0$41,958,366
100$48,344,901$0$0$45,792,769