Can I retire at age 30 with 810,000?

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 $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%18.5%
1 years$66,889$66,293$65,712$65,145$64,591$62,373
2 years$33,113$32,497$31,899$31,319$30,757$28,546
3 years$21,856$21,237$20,641$20,067$19,514$17,378
4 years$16,229$15,611$15,021$14,457$13,917$11,873
5 years$12,853$12,240$11,657$11,104$10,580$8,633
6 years$10,604$9,994$9,421$8,880$8,371$6,523
7 years$8,997$8,393$7,829$7,301$6,808$5,058
8 years$7,793$7,195$6,639$6,125$5,648$3,995
9 years$6,857$6,264$5,718$5,217$4,756$3,199
10 years$6,109$5,522$4,985$4,497$4,053$2,587
11 years$5,497$4,916$4,389$3,914$3,486$2,110
12 years$4,987$4,412$3,895$3,433$3,020$1,731
13 years$4,556$3,987$3,480$3,031$2,634$1,427
14 years$4,187$3,624$3,127$2,690$2,309$1,182
15 years$3,868$3,311$2,823$2,399$2,033$981
16 years$3,589$3,038$2,560$2,148$1,797$817
17 years$3,342$2,797$2,329$1,930$1,593$682
18 years$3,124$2,585$2,126$1,739$1,416$570
19 years$2,929$2,396$1,946$1,572$1,263$478
20 years$2,753$2,226$1,786$1,424$1,128$401
21 years$2,594$2,074$1,643$1,292$1,009$336
22 years$2,450$1,936$1,514$1,175$905$282
23 years$2,319$1,810$1,398$1,070$812$237
24 years$2,199$1,696$1,293$976$730$200
25 years$2,088$1,592$1,198$891$657$168
26 years$1,987$1,496$1,111$815$592$142
27 years$1,892$1,408$1,031$746$533$119
28 years$1,805$1,327$959$683$481$100
29 years$1,724$1,252$892$627$435$85
30 years$1,649$1,182$831$575$393$71
31 years$1,578$1,117$775$528$355$60
32 years$1,512$1,057$723$485$321$51
33 years$1,451$1,001$675$446$291$43
34 years$1,393$949$631$411$263$36
35 years$1,338$900$590$378$238$30
36 years$1,286$854$552$348$216$26
37 years$1,238$811$516$321$196$22
38 years$1,192$771$484$296$177$18
39 years$1,149$733$453$273$161$15
40 years$1,107$698$425$251$146$13
41 years$1,068$664$398$232$132$11
42 years$1,031$632$373$214$120$9
43 years$996$603$350$198$109$8
44 years$962$574$329$183$99$7
45 years$930$548$309$169$90$6
46 years$900$523$290$156$82$5
47 years$871$499$273$144$74$4
48 years$843$476$256$133$67$3
49 years$816$455$241$123$61$3
50 years$791$434$226$114$55$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $810,000, adding $3,786 every year, while hoping to spend $21,827 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: 82/7/11 Blend
29$810,000$810,000$810,000$810,000
30$896,525$853,595$841,040$968,075
31$964,747$872,198$845,991$1,034,114
32$1,039,196$890,980$850,377$1,103,333
33$1,120,484$909,928$854,154$1,178,677
34$1,209,285$929,026$857,280$1,260,750
35$1,306,341$948,258$859,708$1,350,215
36$1,412,469$967,603$861,389$1,447,802
37$1,528,567$987,042$862,272$1,554,319
38$1,655,626$1,006,552$862,303$1,670,651
39$1,794,736$1,026,110$861,427$1,797,775
40$1,947,098$1,045,688$859,583$1,936,768
41$2,114,034$1,065,258$856,711$2,088,817
42$2,296,999$1,084,790$852,745$2,255,225
43$2,497,598$1,104,250$847,617$2,437,434
44$2,717,597$1,123,602$841,256$2,637,028
45$2,958,941$1,142,807$833,587$2,855,754
46$3,223,773$1,161,824$824,532$3,095,536
47$3,514,452$1,180,609$814,009$3,358,494
48$3,833,579$1,199,112$801,931$3,646,965
49$4,184,018$1,217,282$788,210$3,963,522
50$4,568,924$1,235,064$772,750$4,311,002
51$4,991,770$1,252,399$755,454$4,692,530
52$5,456,387$1,269,222$736,218$5,111,548
53$5,966,992$1,285,467$714,934$5,571,852
54$6,528,231$1,301,061$691,490$6,077,621
55$7,145,223$1,315,926$665,768$6,633,463
56$7,823,609$1,329,980$637,644$7,244,454
57$8,569,602$1,343,133$606,990$7,916,187
58$9,390,047$1,355,293$573,670$8,654,828
59$10,292,488$1,366,358$537,544$9,467,169
60$11,285,234$1,376,222$498,464$10,360,694
61$12,377,442$1,384,771$456,277$11,343,652
62$13,579,201$1,391,884$410,822$12,425,132
63$14,901,626$1,397,433$361,931$13,615,151
64$16,356,964$1,401,280$309,428$14,924,746
65$17,958,711$1,403,279$253,130$16,366,080
66$19,721,737$1,403,277$192,847$17,952,557
67$21,662,424$1,401,108$128,378$19,698,948
68$23,798,828$1,396,599$59,516$21,621,531
69$26,150,841$1,389,564$0$23,738,244
70$28,740,381$1,379,808$0$26,070,492
71$31,591,603$1,367,121$0$28,645,982
72$34,731,119$1,351,283$0$31,481,754
73$38,188,257$1,332,060$0$34,604,291
74$41,995,333$1,309,204$0$38,042,776
75$46,187,953$1,282,451$0$41,829,368
76$50,805,358$1,251,525$0$45,999,503
77$55,890,784$1,216,129$0$50,592,231
78$61,491,878$1,175,953$0$55,650,583
79$67,661,140$1,130,665$0$61,221,977
80$74,456,425$1,079,916$0$67,358,668
81$81,941,485$1,023,337$0$74,118,236
82$90,186,572$960,537$0$81,564,137
83$99,269,101$891,101$0$89,766,293
84$109,274,378$814,594$0$98,801,759
85$120,296,407$730,552$0$108,755,448
86$132,438,779$638,487$0$119,720,931
87$145,815,645$537,884$0$131,801,322
88$160,552,797$428,196$0$145,110,253
89$176,788,853$308,849$0$159,772,941
90$194,676,567$179,233$0$175,927,375
91$214,384,268$38,706$0$193,725,618
92$236,097,451$0$0$213,335,241
93$260,020,527$0$0$234,949,641
94$286,378,752$0$0$258,767,506
95$315,420,355$0$0$285,010,162
96$347,418,877$0$0$313,924,794
97$382,675,756$0$0$345,783,791
98$421,523,172$0$0$380,887,323
99$464,327,180$0$0$419,566,174
100$511,491,170$0$0$462,184,861