Can I retire at age 30 with 852,000?

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 $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%16.1%
1 years$70,357$69,731$69,119$68,522$67,940$66,243
2 years$34,830$34,182$33,553$32,943$32,352$30,654
3 years$22,990$22,338$21,711$21,107$20,526$18,879
4 years$17,070$16,421$15,800$15,207$14,639$13,056
5 years$13,520$12,874$12,262$11,680$11,128$9,613
6 years$11,153$10,513$9,909$9,341$8,805$7,360
7 years$9,464$8,829$8,235$7,679$7,161$5,786
8 years$8,197$7,568$6,984$6,442$5,941$4,635
9 years$7,213$6,589$6,015$5,487$5,003$3,765
10 years$6,425$5,808$5,244$4,730$4,263$3,092
11 years$5,782$5,170$4,617$4,117$3,666$2,560
12 years$5,246$4,641$4,097$3,611$3,177$2,134
13 years$4,793$4,194$3,661$3,188$2,770$1,788
14 years$4,405$3,812$3,289$2,830$2,429$1,505
15 years$4,068$3,482$2,970$2,524$2,138$1,272
16 years$3,775$3,195$2,692$2,260$1,890$1,078
17 years$3,516$2,943$2,450$2,030$1,676$915
18 years$3,286$2,719$2,236$1,830$1,490$779
19 years$3,080$2,520$2,047$1,653$1,328$664
20 years$2,896$2,342$1,879$1,497$1,186$567
21 years$2,729$2,181$1,728$1,359$1,062$485
22 years$2,577$2,036$1,593$1,236$951$415
23 years$2,439$1,904$1,471$1,125$854$356
24 years$2,313$1,784$1,360$1,026$768$305
25 years$2,197$1,674$1,260$937$691$262
26 years$2,090$1,574$1,168$857$622$225
27 years$1,991$1,481$1,085$784$561$193
28 years$1,899$1,396$1,009$719$506$166
29 years$1,814$1,317$939$659$457$142
30 years$1,734$1,243$874$605$413$122
31 years$1,660$1,175$815$556$373$105
32 years$1,591$1,112$760$511$338$91
33 years$1,526$1,053$710$469$306$78
34 years$1,465$998$663$432$277$67
35 years$1,407$947$620$398$251$58
36 years$1,353$899$580$366$227$50
37 years$1,302$853$543$337$206$43
38 years$1,254$811$509$311$187$37
39 years$1,208$771$476$287$169$32
40 years$1,165$734$447$265$154$27
41 years$1,124$699$419$244$139$23
42 years$1,085$665$393$225$126$20
43 years$1,048$634$369$208$115$17
44 years$1,012$604$346$192$104$15
45 years$979$576$325$177$95$13
46 years$947$550$305$164$86$11
47 years$916$525$287$151$78$10
48 years$887$501$269$140$71$8
49 years$859$478$253$129$64$7
50 years$832$457$238$119$58$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $852,000, adding $6,174 every year, while hoping to spend $23,318 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: 50/24/26 Blend
29$852,000$852,000$852,000$852,000
30$945,272$900,116$886,910$985,325
31$1,016,880$919,412$891,812$1,033,184
32$1,095,010$938,872$896,096$1,082,340
33$1,180,303$958,478$899,717$1,135,303
34$1,273,465$978,214$902,628$1,192,446
35$1,375,271$998,060$904,779$1,254,177
36$1,486,577$1,017,993$906,118$1,320,947
37$1,608,324$1,037,990$906,588$1,393,256
38$1,741,547$1,058,026$906,133$1,471,651
39$1,887,388$1,078,072$904,692$1,556,738
40$2,047,103$1,098,100$902,200$1,649,186
41$2,222,076$1,118,075$898,593$1,749,729
42$2,413,830$1,137,963$893,798$1,859,181
43$2,624,044$1,157,727$887,744$1,978,436
44$2,854,567$1,177,325$880,353$2,108,483
45$3,107,432$1,196,714$871,545$2,250,410
46$3,384,884$1,215,847$861,235$2,405,419
47$3,689,391$1,234,672$849,335$2,574,833
48$4,023,675$1,253,136$835,754$2,760,114
49$4,390,731$1,271,181$820,393$2,962,872
50$4,793,861$1,288,745$803,151$3,184,883
51$5,236,701$1,305,760$783,924$3,428,106
52$5,723,258$1,322,156$762,599$3,694,700
53$6,257,945$1,337,856$739,060$3,987,047
54$6,845,624$1,352,779$713,187$4,307,774
55$7,491,651$1,366,839$684,852$4,659,774
56$8,201,928$1,379,942$653,923$5,046,242
57$8,982,956$1,391,991$620,261$5,470,698
58$9,841,898$1,402,879$583,720$5,937,023
59$10,786,647$1,412,496$544,151$6,449,497
60$11,825,898$1,420,721$501,393$7,012,839
61$12,969,232$1,427,428$455,281$7,632,251
62$14,227,203$1,432,483$405,643$8,313,469
63$15,611,444$1,435,741$352,299$9,062,818
64$17,134,770$1,437,050$295,058$9,887,269
65$18,811,299$1,436,248$233,726$10,794,510
66$20,656,591$1,433,164$168,095$11,793,014
67$22,687,789$1,427,615$97,952$12,892,124
68$24,923,783$1,419,407$23,072$14,102,140
69$27,385,385$1,408,334$0$15,434,415
70$30,095,531$1,394,180$0$16,917,233
71$33,079,493$1,376,712$0$18,556,482
72$36,365,117$1,355,686$0$20,361,034
73$39,983,087$1,330,843$0$22,347,731
74$43,967,214$1,301,907$0$24,535,134
75$48,354,758$1,268,588$0$26,943,696
76$53,186,771$1,230,577$0$29,595,963
77$58,508,495$1,187,548$0$32,516,777
78$64,369,779$1,139,156$0$35,733,520
79$70,825,557$1,085,035$0$39,276,366
80$77,936,362$1,024,799$0$43,178,571
81$85,768,896$958,040$0$47,476,786
82$94,396,664$884,325$0$52,211,401
83$103,900,664$803,196$0$57,426,930
84$114,370,151$714,173$0$63,172,432
85$125,903,482$616,743$0$69,501,970
86$138,609,041$510,367$0$76,475,130
87$152,606,265$394,476$0$84,157,575
88$168,026,767$268,469$0$92,621,672
89$185,015,582$131,709$0$101,947,176
90$203,732,534$0$0$112,221,978
91$224,353,744$0$0$123,547,294
92$247,073,293$0$0$136,063,509
93$272,105,053$0$0$149,853,682
94$299,684,707$0$0$165,047,671
95$330,071,971$0$0$181,788,577
96$363,553,047$0$0$200,234,096
97$400,443,327$0$0$220,558,006
98$441,090,362$0$0$242,951,805
99$485,877,152$0$0$267,626,523
100$535,225,756$0$0$294,814,712