Can I retire at age 30 with 827,000?

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 $827,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$68,293$67,685$67,091$66,512$65,946$63,886
2 years$33,808$33,179$32,568$31,977$31,403$29,346
3 years$22,315$21,683$21,074$20,488$19,923$17,934
4 years$16,569$15,939$15,336$14,760$14,209$12,303
5 years$13,123$12,496$11,902$11,337$10,802$8,983
6 years$10,826$10,204$9,618$9,067$8,547$6,818
7 years$9,186$8,570$7,993$7,454$6,951$5,311
8 years$7,957$7,346$6,779$6,253$5,767$4,215
9 years$7,001$6,396$5,838$5,326$4,856$3,391
10 years$6,237$5,638$5,090$4,591$4,138$2,756
11 years$5,612$5,019$4,481$3,996$3,559$2,259
12 years$5,092$4,505$3,977$3,505$3,084$1,863
13 years$4,652$4,071$3,553$3,094$2,689$1,545
14 years$4,275$3,700$3,193$2,747$2,357$1,286
15 years$3,949$3,380$2,882$2,450$2,076$1,074
16 years$3,664$3,101$2,613$2,193$1,834$900
17 years$3,413$2,856$2,378$1,971$1,627$756
18 years$3,189$2,639$2,171$1,776$1,446$636
19 years$2,990$2,446$1,987$1,605$1,289$535
20 years$2,811$2,273$1,824$1,453$1,151$452
21 years$2,649$2,117$1,678$1,319$1,030$381
22 years$2,502$1,976$1,546$1,199$924$322
23 years$2,368$1,848$1,428$1,092$829$273
24 years$2,245$1,732$1,320$996$745$231
25 years$2,132$1,625$1,223$910$671$196
26 years$2,028$1,527$1,134$832$604$166
27 years$1,932$1,438$1,053$761$545$141
28 years$1,843$1,355$979$698$491$119
29 years$1,760$1,278$911$640$444$101
30 years$1,683$1,207$849$587$401$86
31 years$1,611$1,141$791$539$362$73
32 years$1,544$1,079$738$496$328$62
33 years$1,481$1,022$689$456$297$52
34 years$1,422$969$644$419$269$45
35 years$1,366$919$602$386$243$38
36 years$1,313$872$563$355$220$32
37 years$1,264$828$527$328$200$27
38 years$1,217$787$494$302$181$23
39 years$1,173$749$463$278$164$20
40 years$1,131$712$434$257$149$17
41 years$1,091$678$406$237$135$14
42 years$1,053$646$381$219$123$12
43 years$1,017$615$358$202$111$10
44 years$983$586$336$186$101$9
45 years$950$559$315$172$92$7
46 years$919$533$296$159$83$6
47 years$889$509$278$147$76$5
48 years$861$486$261$136$69$5
49 years$833$464$246$125$62$4
50 years$807$443$231$116$57$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $827,000, adding $6,253 every year, while hoping to spend $59,087 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: 69/18/13 Blend
29$827,000$827,000$827,000$827,000
30$917,804$873,973$861,154$978,065
31$948,552$853,930$827,135$998,882
32$980,456$830,924$789,996$1,013,972
33$1,013,571$804,748$749,569$1,028,949
34$1,047,957$775,182$705,682$1,043,792
35$1,083,677$741,994$658,150$1,058,482
36$1,120,798$704,938$606,785$1,072,998
37$1,159,394$663,754$551,386$1,087,319
38$1,199,540$618,167$491,746$1,101,424
39$1,241,321$567,885$427,647$1,115,293
40$1,284,826$512,601$358,863$1,128,905
41$1,330,150$451,991$285,157$1,142,240
42$1,377,397$385,710$206,282$1,155,279
43$1,426,678$313,396$121,978$1,168,002
44$1,478,112$234,665$31,977$1,180,394
45$1,531,828$149,112$0$1,192,437
46$1,587,967$56,311$0$1,213,005
47$1,646,678$0$0$1,238,511
48$1,708,125$0$0$1,273,301
49$1,772,484$0$0$1,321,435
50$1,839,947$0$0$1,371,903
51$1,910,722$0$0$1,424,863
52$1,985,033$0$0$1,480,485
53$2,063,126$0$0$1,538,955
54$2,145,266$0$0$1,600,474
55$2,231,742$0$0$1,665,261
56$2,322,871$0$0$1,733,554
57$2,418,995$0$0$1,805,615
58$2,520,488$0$0$1,881,725
59$2,627,758$0$0$1,962,195
60$2,741,250$0$0$2,047,361
61$2,861,451$0$0$2,137,593
62$2,988,891$0$0$2,233,292
63$3,124,150$0$0$2,334,899
64$3,267,862$0$0$2,442,896
65$3,420,723$0$0$2,557,807
66$3,583,491$0$0$2,680,210
67$3,756,997$0$0$2,810,736
68$3,942,153$0$0$2,950,076
69$4,139,956$0$0$3,098,986
70$4,351,500$0$0$3,258,298
71$4,577,983$0$0$3,428,920
72$4,820,720$0$0$3,611,852
73$5,081,153$0$0$3,808,188
74$5,360,865$0$0$4,019,130
75$5,661,593$0$0$4,245,997
76$5,985,244$0$0$4,490,237
77$6,333,912$0$0$4,753,441
78$6,709,896$0$0$5,037,355
79$7,115,723$0$0$5,343,899
80$7,554,169$0$0$5,675,182
81$8,028,285$0$0$6,033,522
82$8,541,423$0$0$6,421,465
83$9,097,271$0$0$6,841,812
84$9,699,881$0$0$7,297,644
85$10,353,710$0$0$7,792,347
86$11,063,659$0$0$8,329,646
87$11,835,120$0$0$8,913,637
88$12,674,024$0$0$9,548,827
89$13,586,895$0$0$10,240,176
90$14,580,912$0$0$10,993,140
91$15,663,977$0$0$11,813,723
92$16,844,781$0$0$12,708,532
93$18,132,895$0$0$13,684,841
94$19,538,850$0$0$14,750,655
95$21,074,239$0$0$15,914,786
96$22,751,824$0$0$17,186,934
97$24,585,655$0$0$18,577,780
98$26,591,200$0$0$20,099,082
99$28,785,493$0$0$21,763,787
100$31,187,286$0$0$23,586,153