Can I retire at age 30 with 836,000?

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 $836,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$69,036$68,421$67,821$67,236$66,664$64,171
2 years$34,176$33,540$32,923$32,325$31,745$29,262
3 years$22,558$21,919$21,303$20,711$20,140$17,745
4 years$16,750$16,113$15,503$14,921$14,364$12,075
5 years$13,266$12,632$12,031$11,461$10,919$8,743
6 years$10,944$10,315$9,723$9,165$8,640$6,577
7 years$9,286$8,663$8,080$7,535$7,027$5,077
8 years$8,043$7,426$6,852$6,321$5,829$3,991
9 years$7,077$6,465$5,902$5,384$4,909$3,180
10 years$6,305$5,699$5,145$4,641$4,183$2,559
11 years$5,673$5,073$4,530$4,039$3,597$2,076
12 years$5,147$4,554$4,020$3,543$3,117$1,694
13 years$4,703$4,115$3,592$3,128$2,718$1,389
14 years$4,322$3,741$3,227$2,777$2,383$1,144
15 years$3,992$3,417$2,914$2,476$2,098$945
16 years$3,704$3,135$2,642$2,217$1,854$782
17 years$3,450$2,887$2,404$1,992$1,644$649
18 years$3,224$2,668$2,194$1,795$1,462$539
19 years$3,023$2,473$2,009$1,622$1,303$449
20 years$2,841$2,298$1,844$1,469$1,164$374
21 years$2,678$2,140$1,696$1,333$1,042$312
22 years$2,529$1,998$1,563$1,212$934$261
23 years$2,393$1,869$1,443$1,104$838$218
24 years$2,269$1,751$1,335$1,007$753$182
25 years$2,155$1,643$1,236$920$678$152
26 years$2,050$1,544$1,146$841$611$127
27 years$1,953$1,453$1,065$770$550$106
28 years$1,863$1,369$990$705$497$89
29 years$1,780$1,292$921$647$449$75
30 years$1,702$1,220$858$594$405$62
31 years$1,629$1,153$800$545$366$52
32 years$1,561$1,091$746$501$331$44
33 years$1,497$1,033$697$461$300$37
34 years$1,437$979$651$424$272$31
35 years$1,381$929$609$390$246$26
36 years$1,328$882$569$359$223$22
37 years$1,278$837$533$331$202$18
38 years$1,230$796$499$305$183$15
39 years$1,185$757$468$281$166$13
40 years$1,143$720$438$260$151$11
41 years$1,103$685$411$239$137$9
42 years$1,064$653$385$221$124$7
43 years$1,028$622$362$204$113$6
44 years$993$593$340$188$102$5
45 years$960$565$319$174$93$4
46 years$929$539$299$161$84$4
47 years$899$515$281$148$76$3
48 years$870$491$264$137$69$3
49 years$843$469$248$127$63$2
50 years$816$448$234$117$57$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $836,000, adding $3,256 every year, while hoping to spend $20,266 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: 39/44/17 Blend
29$836,000$836,000$836,000$836,000
30$924,631$880,323$867,365$955,876
31$997,380$901,896$874,858$1,000,087
32$1,076,871$923,846$881,924$1,045,669
33$1,163,769$946,172$888,526$1,094,527
34$1,258,808$968,869$894,626$1,146,969
35$1,362,795$991,933$900,185$1,203,333
36$1,476,621$1,015,358$905,161$1,263,991
37$1,601,263$1,039,137$909,511$1,329,353
38$1,737,801$1,063,264$913,189$1,399,871
39$1,887,421$1,087,729$916,146$1,476,043
40$2,051,433$1,112,522$918,331$1,558,417
41$2,231,275$1,137,632$919,692$1,647,599
42$2,428,536$1,163,046$920,172$1,744,254
43$2,644,961$1,188,750$919,712$1,849,117
44$2,882,477$1,214,728$918,252$1,962,996
45$3,143,202$1,240,963$915,726$2,086,784
46$3,429,473$1,267,435$912,068$2,221,463
47$3,743,862$1,294,122$907,205$2,368,117
48$4,089,203$1,321,001$901,063$2,527,940
49$4,468,618$1,348,046$893,565$2,702,248
50$4,885,547$1,375,230$884,629$2,892,492
51$5,343,777$1,402,521$874,169$3,100,271
52$5,847,485$1,429,887$862,095$3,327,349
53$6,401,267$1,457,290$848,315$3,575,668
54$7,010,192$1,484,693$832,729$3,847,371
55$7,679,841$1,512,052$815,234$4,144,820
56$8,416,364$1,539,322$795,724$4,470,617
57$9,226,537$1,566,453$774,085$4,827,634
58$10,117,827$1,593,392$750,200$5,219,032
59$11,098,460$1,620,083$723,946$5,648,300
60$12,177,498$1,646,462$695,193$6,119,281
61$13,364,928$1,672,464$663,808$6,636,214
62$14,671,754$1,698,018$629,649$7,203,771
63$16,110,100$1,723,048$592,569$7,827,100
64$17,693,325$1,747,472$552,415$8,511,879
65$19,436,148$1,771,203$509,025$9,264,366
66$21,354,790$1,794,146$462,232$10,091,459
67$23,467,122$1,816,203$411,860$11,000,763
68$25,792,838$1,837,266$357,727$12,000,659
69$28,353,636$1,857,221$299,640$13,100,387
70$31,173,429$1,875,946$237,399$14,310,133
71$34,278,564$1,893,313$170,797$15,641,125
72$37,698,074$1,909,182$99,616$17,105,738
73$41,463,952$1,923,406$23,627$18,717,613
74$45,611,451$1,935,829$0$20,491,790
75$50,179,417$1,946,282$0$22,455,265
76$55,210,656$1,954,589$0$24,621,136
77$60,752,340$1,960,561$0$27,005,299
78$66,856,447$1,963,997$0$29,630,001
79$73,580,255$1,964,683$0$32,519,759
80$80,986,881$1,962,393$0$35,701,594
81$89,145,879$1,956,886$0$39,205,289
82$98,133,892$1,947,907$0$43,063,665
83$108,035,379$1,935,184$0$47,312,895
84$118,943,411$1,918,431$0$51,992,846
85$130,960,547$1,897,342$0$57,147,455
86$144,199,805$1,871,594$0$62,825,145
87$158,785,728$1,840,845$0$69,079,285
88$174,855,558$1,804,732$0$75,968,689
89$192,560,532$1,762,871$0$83,558,178
90$212,067,308$1,714,854$0$91,919,192
91$233,559,543$1,660,251$0$101,130,462
92$257,239,618$1,598,605$0$111,278,757
93$283,330,557$1,529,435$0$122,459,705
94$312,078,125$1,452,228$0$134,778,695
95$343,753,153$1,366,446$0$148,351,874
96$378,654,089$1,271,517$0$163,307,245
97$417,109,822$1,166,837$0$179,785,880
98$459,482,779$1,051,768$0$197,943,247
99$506,172,353$925,634$0$217,950,684
100$557,618,666$787,724$0$239,997,018