Can I retire at age 30 with 767,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $767,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$63,338$62,774$62,224$61,686$61,162$60,448
2 years$31,356$30,772$30,206$29,657$29,125$28,406
3 years$20,696$20,110$19,545$19,001$18,478$17,777
4 years$15,367$14,783$14,224$13,689$13,179$12,500
5 years$12,171$11,590$11,038$10,515$10,018$9,365
6 years$10,041$9,464$8,921$8,409$7,927$7,300
7 years$8,520$7,948$7,413$6,913$6,447$5,846
8 years$7,380$6,813$6,287$5,799$5,348$4,773
9 years$6,493$5,932$5,415$4,940$4,504$3,955
10 years$5,784$5,229$4,721$4,258$3,838$3,314
11 years$5,205$4,655$4,156$3,706$3,300$2,801
12 years$4,722$4,178$3,688$3,251$2,860$2,386
13 years$4,314$3,775$3,295$2,870$2,494$2,043
14 years$3,965$3,432$2,961$2,547$2,186$1,759
15 years$3,663$3,135$2,673$2,272$1,925$1,520
16 years$3,398$2,876$2,424$2,034$1,701$1,318
17 years$3,165$2,649$2,206$1,828$1,508$1,146
18 years$2,958$2,448$2,013$1,647$1,341$1,000
19 years$2,773$2,269$1,843$1,488$1,196$873
20 years$2,607$2,108$1,692$1,348$1,068$764
21 years$2,457$1,964$1,556$1,223$956$670
22 years$2,320$1,833$1,434$1,112$857$588
23 years$2,196$1,714$1,324$1,013$769$517
24 years$2,082$1,606$1,224$924$691$455
25 years$1,977$1,507$1,134$844$622$401
26 years$1,881$1,417$1,052$772$560$353
27 years$1,792$1,333$977$706$505$311
28 years$1,709$1,256$908$647$456$275
29 years$1,633$1,185$845$593$412$243
30 years$1,561$1,119$787$545$372$214
31 years$1,495$1,058$734$500$336$189
32 years$1,432$1,001$685$460$304$167
33 years$1,374$948$639$423$275$148
34 years$1,319$899$597$389$249$131
35 years$1,267$852$558$358$226$116
36 years$1,218$809$522$330$204$103
37 years$1,172$768$489$304$185$91
38 years$1,129$730$458$280$168$80
39 years$1,088$694$429$258$152$71
40 years$1,049$661$402$238$138$63
41 years$1,012$629$377$220$125$56
42 years$977$599$354$203$114$49
43 years$943$571$332$187$103$44
44 years$911$544$311$173$94$39
45 years$881$519$292$160$85$34
46 years$852$495$275$147$77$30
47 years$825$472$258$136$70$27
48 years$798$451$243$126$64$24
49 years$773$430$228$116$58$21
50 years$749$411$214$108$53$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $767,000, adding $3,079 every year, while hoping to spend $25,712 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: 58/13/29 Blend
29$767,000$767,000$767,000$767,000
30$848,410$807,759$795,870$890,719
31$907,590$819,982$795,175$932,301
32$971,946$831,942$793,594$974,656
33$1,041,976$843,599$791,071$1,020,317
34$1,118,233$854,910$787,547$1,069,613
35$1,201,322$865,830$782,959$1,122,905
36$1,291,910$876,310$777,242$1,180,595
37$1,390,732$886,296$770,327$1,243,123
38$1,498,596$895,734$762,143$1,310,977
39$1,616,392$904,564$752,613$1,384,696
40$1,745,098$912,722$741,660$1,464,873
41$1,885,793$920,140$729,201$1,552,162
42$2,039,664$926,747$715,149$1,647,288
43$2,208,018$932,465$699,414$1,751,048
44$2,392,293$937,213$681,902$1,864,323
45$2,594,075$940,905$662,513$1,988,083
46$2,815,108$943,447$641,145$2,123,401
47$3,057,314$944,741$617,689$2,271,459
48$3,322,810$944,683$592,031$2,433,562
49$3,613,926$943,162$564,054$2,611,149
50$3,933,230$940,061$533,634$2,805,808
51$4,283,550$935,254$500,641$3,019,292
52$4,668,000$928,610$464,940$3,253,531
53$5,090,011$919,987$426,391$3,510,659
54$5,553,363$909,236$384,845$3,793,024
55$6,062,217$896,200$340,149$4,103,222
56$6,621,161$880,711$292,141$4,444,112
57$7,235,245$862,592$240,654$4,818,849
58$7,910,037$841,656$185,512$5,230,912
59$8,651,665$817,702$126,532$5,684,138
60$9,466,887$790,521$63,522$6,182,757
61$10,363,143$759,890$0$6,731,438
62$11,348,631$725,572$0$7,336,476
63$12,432,386$687,320$0$8,023,447
64$13,624,359$644,868$0$8,778,997
65$14,935,515$597,938$0$9,610,097
66$16,377,935$546,234$0$10,524,428
67$17,964,931$489,446$0$11,530,455
68$19,711,168$427,243$0$12,637,507
69$21,632,806$359,277$0$13,855,863
70$23,747,651$285,181$0$15,196,855
71$26,075,322$204,565$0$16,672,967
72$28,637,436$117,019$0$18,297,960
73$31,457,811$22,111$0$20,086,999
74$34,562,695$0$0$22,056,795
75$37,981,007$0$0$24,237,301
76$41,744,614$0$0$26,641,630
77$45,888,629$0$0$29,289,064
78$50,451,745$0$0$32,204,330
79$55,476,596$0$0$35,414,678
80$61,010,164$0$0$38,950,135
81$67,104,217$0$0$42,843,788
82$73,815,800$0$0$47,132,098
83$81,207,773$0$0$51,855,239
84$89,349,405$0$0$57,057,485
85$98,317,024$0$0$62,787,619
86$108,194,741$0$0$69,099,401
87$119,075,240$0$0$76,052,069
88$131,060,656$0$0$83,710,901
89$144,263,537$0$0$92,147,833
90$158,807,904$0$0$101,442,132
91$174,830,425$0$0$111,681,148
92$192,481,704$0$0$122,961,140
93$211,927,697$0$0$135,388,179
94$233,351,287$0$0$149,079,154
95$256,954,003$0$0$164,162,872
96$282,957,924$0$0$180,781,275
97$311,607,775$0$0$199,090,779
98$343,173,237$0$0$219,263,751
99$377,951,492$0$0$241,490,137
100$416,270,029$0$0$265,979,251