Can I retire at age 30 with 825,000?

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 $825,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$68,128$67,521$66,929$66,351$65,787$64,723
2 years$33,727$33,098$32,490$31,899$31,327$30,259
3 years$22,261$21,630$21,023$20,438$19,875$18,835
4 years$16,529$15,900$15,299$14,725$14,175$13,171
5 years$13,091$12,466$11,873$11,310$10,776$9,811
6 years$10,800$10,180$9,595$9,045$8,526$7,602
7 years$9,164$8,549$7,974$7,436$6,934$6,050
8 years$7,938$7,328$6,762$6,238$5,753$4,909
9 years$6,984$6,380$5,824$5,313$4,845$4,041
10 years$6,222$5,624$5,078$4,580$4,128$3,363
11 years$5,599$5,007$4,470$3,986$3,550$2,824
12 years$5,080$4,494$3,967$3,496$3,076$2,388
13 years$4,641$4,061$3,545$3,087$2,683$2,031
14 years$4,265$3,691$3,185$2,740$2,352$1,735
15 years$3,940$3,372$2,875$2,444$2,071$1,488
16 years$3,655$3,094$2,607$2,188$1,830$1,281
17 years$3,404$2,849$2,372$1,966$1,623$1,105
18 years$3,182$2,633$2,166$1,772$1,443$956
19 years$2,983$2,440$1,982$1,601$1,286$829
20 years$2,804$2,267$1,819$1,450$1,149$719
21 years$2,642$2,112$1,674$1,316$1,028$626
22 years$2,496$1,972$1,542$1,196$921$545
23 years$2,362$1,844$1,424$1,090$827$475
24 years$2,239$1,728$1,317$994$743$414
25 years$2,127$1,621$1,220$908$669$361
26 years$2,023$1,524$1,131$830$603$316
27 years$1,928$1,434$1,051$760$543$276
28 years$1,839$1,351$977$696$490$241
29 years$1,756$1,275$909$638$443$211
30 years$1,679$1,204$847$586$400$185
31 years$1,608$1,138$789$538$362$162
32 years$1,540$1,077$736$494$327$142
33 years$1,477$1,020$688$455$296$124
34 years$1,418$967$642$418$268$109
35 years$1,363$917$601$385$243$96
36 years$1,310$870$562$355$220$84
37 years$1,261$826$526$327$199$73
38 years$1,214$785$492$301$181$64
39 years$1,170$747$461$278$164$57
40 years$1,128$711$432$256$149$50
41 years$1,088$676$406$236$135$44
42 years$1,050$644$380$218$122$38
43 years$1,014$614$357$201$111$34
44 years$980$585$335$186$101$29
45 years$948$558$315$172$92$26
46 years$917$532$295$159$83$23
47 years$887$508$278$147$75$20
48 years$859$485$261$135$69$17
49 years$831$463$245$125$62$15
50 years$805$442$231$116$57$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $825,000, adding $3,107 every year, while hoping to spend $43,746 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: 30/49/21 Blend
29$825,000$825,000$825,000$825,000
30$912,355$868,630$855,842$933,659
31$958,870$864,647$837,968$946,177
32$1,008,663$859,003$818,028$955,501
33$1,062,022$851,571$795,908$964,613
34$1,119,265$842,214$771,487$973,524
35$1,180,737$830,789$744,639$982,246
36$1,246,819$817,145$715,231$990,800
37$1,317,929$801,120$683,126$999,210
38$1,394,527$782,544$648,180$1,007,509
39$1,477,116$761,235$610,241$1,015,738
40$1,566,250$737,004$569,152$1,023,949
41$1,662,537$709,647$524,749$1,032,202
42$1,766,647$678,951$476,859$1,040,572
43$1,879,313$644,687$425,302$1,049,145
44$2,001,344$606,618$369,890$1,058,026
45$2,133,628$564,489$310,429$1,067,334
46$2,277,142$518,033$246,711$1,077,211
47$2,432,959$466,965$178,525$1,087,820
48$2,602,261$410,987$105,646$1,099,349
49$2,786,348$349,782$27,842$1,112,015
50$2,986,650$283,015$0$1,126,066
51$3,204,739$210,334$0$1,154,152
52$3,442,348$131,365$0$1,191,691
53$3,701,380$45,715$0$1,232,865
54$3,983,932$0$0$1,278,152
55$4,292,313$0$0$1,353,451
56$4,629,063$0$0$1,462,714
57$4,996,977$0$0$1,582,215
58$5,399,134$0$0$1,712,970
59$5,838,925$0$0$1,856,098
60$6,320,079$0$0$2,012,829
61$6,846,708$0$0$2,184,519
62$7,423,335$0$0$2,372,664
63$8,054,944$0$0$2,578,907
64$8,747,020$0$0$2,805,059
65$9,505,609$0$0$3,053,118
66$10,337,365$0$0$3,325,279
67$11,249,619$0$0$3,623,964
68$12,250,445$0$0$3,951,839
69$13,348,736$0$0$4,311,843
70$14,554,288$0$0$4,707,209
71$15,877,892$0$0$5,141,502
72$17,331,435$0$0$5,618,650
73$18,928,009$0$0$6,142,977
74$20,682,040$0$0$6,719,249
75$22,609,419$0$0$7,352,716
76$24,727,651$0$0$8,049,162
77$27,056,024$0$0$8,814,960
78$29,615,784$0$0$9,657,129
79$32,430,341$0$0$10,583,405
80$35,525,486$0$0$11,602,311
81$38,929,634$0$0$12,723,236
82$42,674,093$0$0$13,956,527
83$46,793,355$0$0$15,313,582
84$51,325,428$0$0$16,806,962
85$56,312,185$0$0$18,450,505
86$61,799,766$0$0$20,259,461
87$67,839,008$0$0$22,250,630
88$74,485,925$0$0$24,442,528
89$81,802,240$0$0$26,855,552
90$89,855,959$0$0$29,512,181
91$98,722,019$0$0$32,437,183
92$108,482,991$0$0$35,657,851
93$119,229,859$0$0$39,204,256
94$131,062,878$0$0$43,109,539
95$144,092,520$0$0$47,410,213
96$158,440,513$0$0$52,146,516
97$174,240,995$0$0$57,362,787
98$191,641,771$0$0$63,107,883
99$210,805,714$0$0$69,435,643
100$231,912,300$0$0$76,405,393