Can I retire at age 30 with 852,000?

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 $852,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$70,357$69,731$69,119$68,522$67,940$66,003
2 years$34,830$34,182$33,553$32,943$32,352$30,416
3 years$22,990$22,338$21,711$21,107$20,526$18,651
4 years$17,070$16,421$15,800$15,207$14,639$12,840
5 years$13,520$12,874$12,262$11,680$11,128$9,410
6 years$11,153$10,513$9,909$9,341$8,805$7,169
7 years$9,464$8,829$8,235$7,679$7,161$5,607
8 years$8,197$7,568$6,984$6,442$5,941$4,468
9 years$7,213$6,589$6,015$5,487$5,003$3,610
10 years$6,425$5,808$5,244$4,730$4,263$2,947
11 years$5,782$5,170$4,617$4,117$3,666$2,427
12 years$5,246$4,641$4,097$3,611$3,177$2,011
13 years$4,793$4,194$3,661$3,188$2,770$1,675
14 years$4,405$3,812$3,289$2,830$2,429$1,401
15 years$4,068$3,482$2,970$2,524$2,138$1,176
16 years$3,775$3,195$2,692$2,260$1,890$990
17 years$3,516$2,943$2,450$2,030$1,676$836
18 years$3,286$2,719$2,236$1,830$1,490$707
19 years$3,080$2,520$2,047$1,653$1,328$598
20 years$2,896$2,342$1,879$1,497$1,186$508
21 years$2,729$2,181$1,728$1,359$1,062$431
22 years$2,577$2,036$1,593$1,236$951$366
23 years$2,439$1,904$1,471$1,125$854$312
24 years$2,313$1,784$1,360$1,026$768$265
25 years$2,197$1,674$1,260$937$691$226
26 years$2,090$1,574$1,168$857$622$193
27 years$1,991$1,481$1,085$784$561$164
28 years$1,899$1,396$1,009$719$506$140
29 years$1,814$1,317$939$659$457$119
30 years$1,734$1,243$874$605$413$102
31 years$1,660$1,175$815$556$373$87
32 years$1,591$1,112$760$511$338$74
33 years$1,526$1,053$710$469$306$63
34 years$1,465$998$663$432$277$54
35 years$1,407$947$620$398$251$46
36 years$1,353$899$580$366$227$40
37 years$1,302$853$543$337$206$34
38 years$1,254$811$509$311$187$29
39 years$1,208$771$476$287$169$25
40 years$1,165$734$447$265$154$21
41 years$1,124$699$419$244$139$18
42 years$1,085$665$393$225$126$15
43 years$1,048$634$369$208$115$13
44 years$1,012$604$346$192$104$11
45 years$979$576$325$177$95$10
46 years$947$550$305$164$86$8
47 years$916$525$287$151$78$7
48 years$887$501$269$140$71$6
49 years$859$478$253$129$64$5
50 years$832$457$238$119$58$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $852,000, adding $5,895 every year, while hoping to spend $55,812 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: 69/11/20 Blend
29$852,000$852,000$852,000$852,000
30$944,985$899,829$886,623$1,005,142
31$981,990$884,537$856,941$1,030,779
32$1,020,898$866,625$824,394$1,051,725
33$1,061,846$845,906$788,828$1,073,277
34$1,104,981$822,181$750,080$1,095,493
35$1,150,462$795,241$707,981$1,118,435
36$1,198,465$764,864$662,353$1,142,173
37$1,249,179$730,813$613,013$1,166,788
38$1,302,813$692,841$559,767$1,192,369
39$1,359,594$650,684$502,413$1,219,016
40$1,419,769$604,064$440,741$1,246,842
41$1,483,609$552,687$374,529$1,275,975
42$1,551,410$496,241$303,549$1,306,555
43$1,623,496$434,399$227,559$1,338,741
44$1,700,220$366,812$146,310$1,372,712
45$1,781,971$293,114$59,540$1,408,665
46$1,869,173$212,917$0$1,446,822
47$1,962,290$125,812$0$1,494,487
48$2,061,834$31,367$0$1,558,898
49$2,168,361$0$0$1,627,707
50$2,282,485$0$0$1,709,905
51$2,404,878$0$0$1,802,162
52$2,536,276$0$0$1,901,241
53$2,677,490$0$0$2,007,757
54$2,829,406$0$0$2,122,385
55$2,993,000$0$0$2,245,864
56$3,169,344$0$0$2,379,008
57$3,359,612$0$0$2,522,711
58$3,565,099$0$0$2,677,955
59$3,787,223$0$0$2,845,819
60$4,027,546$0$0$3,027,487
61$4,287,784$0$0$3,224,266
62$4,569,824$0$0$3,437,586
63$4,875,739$0$0$3,669,025
64$5,207,811$0$0$3,920,317
65$5,568,548$0$0$4,193,367
66$5,960,712$0$0$4,490,274
67$6,387,337$0$0$4,813,344
68$6,851,766$0$0$5,165,117
69$7,357,673$0$0$5,548,387
70$7,909,103$0$0$5,966,227
71$8,510,510$0$0$6,422,022
72$9,166,792$0$0$6,919,497
73$9,883,344$0$0$7,462,750
74$10,666,103$0$0$8,056,295
75$11,521,605$0$0$8,705,100
76$12,457,046$0$0$9,414,637
77$13,480,349$0$0$10,190,926
78$14,600,239$0$0$11,040,602
79$15,826,322$0$0$11,970,965
80$17,169,177$0$0$12,990,059
81$18,640,452$0$0$14,106,738
82$20,252,979$0$0$15,330,758
83$22,020,886$0$0$16,672,859
84$23,959,735$0$0$18,144,873
85$26,086,668$0$0$19,759,831
86$28,420,564$0$0$21,532,086
87$30,982,218$0$0$23,477,449
88$33,794,538$0$0$25,613,335
89$36,882,757$0$0$27,958,929
90$40,274,671$0$0$30,535,365
91$44,000,902$0$0$33,365,922
92$48,095,182$0$0$36,476,249
93$52,594,673$0$0$39,894,600
94$57,540,316$0$0$43,652,102
95$62,977,216$0$0$47,783,049
96$68,955,066$0$0$52,325,224
97$75,528,612$0$0$57,320,252
98$82,758,174$0$0$62,813,995
99$90,710,210$0$0$68,856,984
100$99,457,940$0$0$75,504,889