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%18.6%
1 years$70,357$69,731$69,119$68,522$67,940$65,581
2 years$34,830$34,182$33,553$32,943$32,352$30,001
3 years$22,990$22,338$21,711$21,107$20,526$18,255
4 years$17,070$16,421$15,800$15,207$14,639$12,466
5 years$13,520$12,874$12,262$11,680$11,128$9,059
6 years$11,153$10,513$9,909$9,341$8,805$6,841
7 years$9,464$8,829$8,235$7,679$7,161$5,302
8 years$8,197$7,568$6,984$6,442$5,941$4,185
9 years$7,213$6,589$6,015$5,487$5,003$3,349
10 years$6,425$5,808$5,244$4,730$4,263$2,707
11 years$5,782$5,170$4,617$4,117$3,666$2,206
12 years$5,246$4,641$4,097$3,611$3,177$1,808
13 years$4,793$4,194$3,661$3,188$2,770$1,490
14 years$4,405$3,812$3,289$2,830$2,429$1,233
15 years$4,068$3,482$2,970$2,524$2,138$1,023
16 years$3,775$3,195$2,692$2,260$1,890$852
17 years$3,516$2,943$2,450$2,030$1,676$710
18 years$3,286$2,719$2,236$1,830$1,490$593
19 years$3,080$2,520$2,047$1,653$1,328$497
20 years$2,896$2,342$1,879$1,497$1,186$416
21 years$2,729$2,181$1,728$1,359$1,062$349
22 years$2,577$2,036$1,593$1,236$951$293
23 years$2,439$1,904$1,471$1,125$854$246
24 years$2,313$1,784$1,360$1,026$768$207
25 years$2,197$1,674$1,260$937$691$174
26 years$2,090$1,574$1,168$857$622$146
27 years$1,991$1,481$1,085$784$561$123
28 years$1,899$1,396$1,009$719$506$104
29 years$1,814$1,317$939$659$457$87
30 years$1,734$1,243$874$605$413$74
31 years$1,660$1,175$815$556$373$62
32 years$1,591$1,112$760$511$338$52
33 years$1,526$1,053$710$469$306$44
34 years$1,465$998$663$432$277$37
35 years$1,407$947$620$398$251$31
36 years$1,353$899$580$366$227$26
37 years$1,302$853$543$337$206$22
38 years$1,254$811$509$311$187$19
39 years$1,208$771$476$287$169$16
40 years$1,165$734$447$265$154$13
41 years$1,124$699$419$244$139$11
42 years$1,085$665$393$225$126$9
43 years$1,048$634$369$208$115$8
44 years$1,012$604$346$192$104$7
45 years$979$576$325$177$95$6
46 years$947$550$305$164$86$5
47 years$916$525$287$151$78$4
48 years$887$501$269$140$71$3
49 years$859$478$253$129$64$3
50 years$832$457$238$119$58$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $852,000, adding $5,488 every year, while hoping to spend $40,168 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: 55/25/20 Blend
29$852,000$852,000$852,000$852,000
30$944,565$899,409$886,203$991,124
31$998,172$900,741$873,152$1,024,900
32$1,055,901$900,793$858,318$1,056,937
33$1,118,129$899,459$841,598$1,090,952
34$1,185,273$896,626$822,886$1,127,145
35$1,257,787$892,178$802,070$1,165,737
36$1,336,174$885,987$779,031$1,206,977
37$1,420,985$877,921$753,650$1,251,136
38$1,512,824$867,838$725,796$1,298,520
39$1,612,358$855,588$695,336$1,349,465
40$1,720,320$841,013$662,131$1,404,344
41$1,837,513$823,944$626,033$1,463,571
42$1,964,825$804,202$586,891$1,527,604
43$2,103,229$781,600$544,543$1,596,953
44$2,253,797$755,937$498,824$1,672,178
45$2,417,708$727,001$449,558$1,753,904
46$2,596,260$694,570$396,564$1,842,821
47$2,790,880$658,406$339,651$1,939,693
48$3,003,140$618,258$278,619$2,045,366
49$3,234,770$573,862$213,263$2,160,776
50$3,487,673$524,938$143,364$2,286,959
51$3,763,946$471,190$68,697$2,425,061
52$4,065,895$412,305$0$2,576,349
53$4,396,061$347,953$0$2,744,571
54$4,757,240$277,783$0$2,944,729
55$5,152,512$201,428$0$3,163,918
56$5,585,268$118,498$0$3,404,090
57$6,059,242$28,581$0$3,667,400
58$6,578,546$0$0$3,956,226
59$7,147,708$0$0$4,292,108
60$7,771,717$0$0$4,669,056
61$8,456,066$0$0$5,082,536
62$9,206,804$0$0$5,536,214
63$10,030,597$0$0$6,034,128
64$10,934,784$0$0$6,580,725
65$11,927,453$0$0$7,180,906
66$13,017,509$0$0$7,840,066
67$14,214,764$0$0$8,564,153
68$15,530,029$0$0$9,359,715
69$16,975,208$0$0$10,233,968
70$18,563,422$0$0$11,194,861
71$20,309,120$0$0$12,251,151
72$22,228,225$0$0$13,412,487
73$24,338,277$0$0$14,689,498
74$26,658,602$0$0$16,093,896
75$29,210,491$0$0$17,638,584
76$32,017,404$0$0$19,337,778
77$35,105,186$0$0$21,207,142
78$38,502,315$0$0$23,263,933
79$42,240,168$0$0$25,527,167
80$46,353,316$0$0$28,017,797
81$50,879,852$0$0$30,758,906
82$55,861,747$0$0$33,775,933
83$61,345,248$0$0$37,096,904
84$67,381,313$0$0$40,752,702
85$74,026,090$0$0$44,777,358
86$81,341,448$0$0$49,208,366
87$89,395,562$0$0$54,087,045
88$98,263,549$0$0$59,458,920
89$108,028,185$0$0$65,374,159
90$118,780,678$0$0$71,888,042
91$130,621,535$0$0$79,061,480
92$143,661,505$0$0$86,961,596
93$158,022,623$0$0$95,662,353
94$173,839,366$0$0$105,245,253
95$191,259,917$0$0$115,800,108
96$210,447,566$0$0$127,425,882
97$231,582,249$0$0$140,231,632
98$254,862,243$0$0$154,337,530
99$280,506,043$0$0$169,876,001
100$308,754,417$0$0$186,992,971