Can I retire at age 30 with 810,000?

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 $810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$66,889$66,293$65,712$65,145$64,591$63,157
2 years$33,113$32,497$31,899$31,319$30,757$29,321
3 years$21,856$21,237$20,641$20,067$19,514$18,119
4 years$16,229$15,611$15,021$14,457$13,917$12,575
5 years$12,853$12,240$11,657$11,104$10,580$9,293
6 years$10,604$9,994$9,421$8,880$8,371$7,142
7 years$8,997$8,393$7,829$7,301$6,808$5,637
8 years$7,793$7,195$6,639$6,125$5,648$4,534
9 years$6,857$6,264$5,718$5,217$4,756$3,699
10 years$6,109$5,522$4,985$4,497$4,053$3,050
11 years$5,497$4,916$4,389$3,914$3,486$2,537
12 years$4,987$4,412$3,895$3,433$3,020$2,125
13 years$4,556$3,987$3,480$3,031$2,634$1,789
14 years$4,187$3,624$3,127$2,690$2,309$1,513
15 years$3,868$3,311$2,823$2,399$2,033$1,284
16 years$3,589$3,038$2,560$2,148$1,797$1,094
17 years$3,342$2,797$2,329$1,930$1,593$934
18 years$3,124$2,585$2,126$1,739$1,416$799
19 years$2,929$2,396$1,946$1,572$1,263$685
20 years$2,753$2,226$1,786$1,424$1,128$588
21 years$2,594$2,074$1,643$1,292$1,009$505
22 years$2,450$1,936$1,514$1,175$905$435
23 years$2,319$1,810$1,398$1,070$812$375
24 years$2,199$1,696$1,293$976$730$323
25 years$2,088$1,592$1,198$891$657$279
26 years$1,987$1,496$1,111$815$592$241
27 years$1,892$1,408$1,031$746$533$208
28 years$1,805$1,327$959$683$481$180
29 years$1,724$1,252$892$627$435$155
30 years$1,649$1,182$831$575$393$134
31 years$1,578$1,117$775$528$355$116
32 years$1,512$1,057$723$485$321$100
33 years$1,451$1,001$675$446$291$87
34 years$1,393$949$631$411$263$75
35 years$1,338$900$590$378$238$65
36 years$1,286$854$552$348$216$56
37 years$1,238$811$516$321$196$49
38 years$1,192$771$484$296$177$42
39 years$1,149$733$453$273$161$37
40 years$1,107$698$425$251$146$32
41 years$1,068$664$398$232$132$27
42 years$1,031$632$373$214$120$24
43 years$996$603$350$198$109$21
44 years$962$574$329$183$99$18
45 years$930$548$309$169$90$15
46 years$900$523$290$156$82$13
47 years$871$499$273$144$74$12
48 years$843$476$256$133$67$10
49 years$816$455$241$123$61$9
50 years$791$434$226$114$55$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $810,000, adding $6,436 every year, while hoping to spend $35,183 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: 52/38/10 Blend
29$810,000$810,000$810,000$810,000
30$899,259$856,329$843,774$943,367
31$953,549$860,854$834,606$978,640
32$1,012,197$864,423$823,951$1,012,657
33$1,075,611$866,949$811,724$1,048,831
34$1,144,239$868,345$797,832$1,087,372
35$1,218,573$868,515$782,181$1,128,516
36$1,299,153$867,359$764,670$1,172,521
37$1,386,576$864,769$745,196$1,219,676
38$1,481,496$860,632$723,649$1,270,299
39$1,584,632$854,826$699,915$1,324,744
40$1,696,778$847,226$673,875$1,383,399
41$1,818,803$837,693$645,403$1,446,699
42$1,951,666$826,086$614,370$1,515,122
43$2,096,423$812,252$580,639$1,589,197
44$2,254,235$796,028$544,066$1,669,511
45$2,426,379$777,245$504,504$1,756,713
46$2,614,260$755,722$461,796$1,851,519
47$2,819,429$731,266$415,780$1,954,725
48$3,043,587$703,674$366,286$2,067,209
49$3,288,612$672,733$313,135$2,189,941
50$3,556,569$638,215$256,143$2,323,996
51$3,849,731$599,881$195,117$2,470,561
52$4,170,603$557,475$129,853$2,630,949
53$4,521,943$510,729$60,141$2,806,612
54$4,906,787$459,360$0$2,999,154
55$5,328,478$403,067$0$3,211,868
56$5,790,699$341,534$0$3,452,141
57$6,297,506$274,425$0$3,715,738
58$6,853,367$201,387$0$4,005,079
59$7,463,201$122,046$0$4,322,835
60$8,132,428$36,007$0$4,671,952
61$8,867,018$0$0$5,055,686
62$9,673,546$0$0$5,501,526
63$10,559,256$0$0$6,007,756
64$11,532,127$0$0$6,563,892
65$12,600,949$0$0$7,174,969
66$13,775,406$0$0$7,846,535
67$15,066,167$0$0$8,584,702
68$16,484,984$0$0$9,396,203
69$18,044,805$0$0$10,288,456
70$19,759,896$0$0$11,269,636
71$21,645,973$0$0$12,348,746
72$23,720,354$0$0$13,535,709
73$26,002,116$0$0$14,841,454
74$28,512,279$0$0$16,278,026
75$31,274,005$0$0$17,858,695
76$34,312,811$0$0$19,598,081
77$37,656,814$0$0$21,512,296
78$41,336,994$0$0$23,619,090
79$45,387,488$0$0$25,938,022
80$49,845,906$0$0$28,490,643
81$54,753,693$0$0$31,300,700
82$60,156,515$0$0$34,394,359
83$66,104,690$0$0$37,800,453
84$72,653,663$0$0$41,550,751
85$79,864,530$0$0$45,680,261
86$87,804,612$0$0$50,227,558
87$96,548,090$0$0$55,235,149
88$106,176,706$0$0$60,749,872
89$116,780,533$0$0$66,823,339
90$128,458,825$0$0$73,512,426
91$141,320,953$0$0$80,879,802
92$155,487,437$0$0$88,994,527
93$171,091,083$0$0$97,932,701
94$188,278,234$0$0$107,778,182
95$207,210,154$0$0$118,623,377
96$228,064,548$0$0$130,570,115
97$251,037,237$0$0$143,730,605
98$276,344,008$0$0$158,228,498
99$304,222,651$0$0$174,200,054
100$334,935,199$0$0$191,795,424