Can I retire at age 30 with 1,750,000?

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$144,513$143,226$141,970$140,744$139,547$136,174
2 years$71,541$70,209$68,918$67,666$66,451$63,073
3 years$47,220$45,882$44,594$43,354$42,159$38,882
4 years$35,062$33,728$32,453$31,234$30,068$26,916
5 years$27,769$26,443$25,185$23,991$22,858$19,840
6 years$22,909$21,593$20,353$19,186$18,086$15,207
7 years$19,439$18,134$16,914$15,774$14,709$11,967
8 years$16,837$15,544$14,344$13,232$12,203$9,598
9 years$14,815$13,534$12,355$11,271$10,276$7,806
10 years$13,198$11,929$10,771$9,716$8,756$6,418
11 years$11,876$10,620$9,483$8,455$7,530$5,321
12 years$10,775$9,532$8,416$7,417$6,526$4,441
13 years$9,844$8,614$7,519$6,548$5,691$3,727
14 years$9,047$7,830$6,756$5,812$4,988$3,142
15 years$8,357$7,153$6,099$5,184$4,392$2,658
16 years$7,753$6,563$5,530$4,641$3,882$2,255
17 years$7,221$6,044$5,032$4,170$3,442$1,918
18 years$6,749$5,585$4,594$3,758$3,060$1,635
19 years$6,327$5,176$4,205$3,396$2,728$1,397
20 years$5,948$4,810$3,859$3,076$2,436$1,194
21 years$5,605$4,480$3,550$2,791$2,180$1,023
22 years$5,294$4,182$3,272$2,538$1,954$877
23 years$5,010$3,911$3,021$2,311$1,754$752
24 years$4,750$3,665$2,794$2,108$1,577$646
25 years$4,512$3,439$2,588$1,925$1,419$555
26 years$4,292$3,232$2,400$1,760$1,278$477
27 years$4,089$3,042$2,229$1,611$1,152$411
28 years$3,900$2,866$2,072$1,476$1,040$353
29 years$3,725$2,704$1,928$1,354$939$304
30 years$3,562$2,554$1,796$1,242$848$262
31 years$3,410$2,414$1,674$1,141$767$226
32 years$3,268$2,284$1,562$1,049$694$194
33 years$3,134$2,163$1,458$964$628$168
34 years$3,009$2,050$1,363$887$568$144
35 years$2,891$1,945$1,274$817$515$124
36 years$2,779$1,846$1,192$752$467$107
37 years$2,674$1,753$1,116$693$423$93
38 years$2,575$1,666$1,045$639$383$80
39 years$2,481$1,584$979$589$348$69
40 years$2,393$1,507$917$543$315$59
41 years$2,308$1,435$860$501$286$51
42 years$2,228$1,366$807$463$260$44
43 years$2,152$1,302$757$427$236$38
44 years$2,079$1,241$711$394$214$33
45 years$2,010$1,183$667$364$194$28
46 years$1,944$1,129$627$336$176$24
47 years$1,881$1,077$589$311$160$21
48 years$1,821$1,028$553$287$145$18
49 years$1,764$982$520$265$132$16
50 years$1,709$938$489$245$120$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $1,750,000, adding $6,847 every year, while hoping to spend $31,983 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: 49/38/13 Blend
29$1,750,000$1,750,000$1,750,000$1,750,000
30$1,935,563$1,842,813$1,815,688$2,023,179
31$2,098,960$1,899,081$1,842,484$2,140,438
32$2,277,953$1,957,034$1,869,105$2,263,846
33$2,474,097$2,016,722$1,895,513$2,397,181
34$2,689,107$2,078,193$1,921,665$2,541,383
35$2,924,871$2,141,500$1,947,516$2,697,486
36$3,183,470$2,206,696$1,973,020$2,866,628
37$3,467,195$2,273,835$1,998,127$3,050,060
38$3,778,568$2,342,972$2,022,783$3,249,162
39$4,120,369$2,414,165$2,046,934$3,465,449
40$4,495,661$2,487,473$2,070,520$3,700,590
41$4,907,815$2,562,955$2,093,479$3,956,422
42$5,360,547$2,640,675$2,115,745$4,234,967
43$5,857,949$2,720,695$2,137,250$4,538,451
44$6,404,532$2,803,081$2,157,920$4,869,326
45$7,005,262$2,887,900$2,177,678$5,230,290
46$7,665,612$2,975,220$2,196,443$5,624,315
47$8,391,610$3,065,111$2,214,130$6,054,673
48$9,189,900$3,157,647$2,230,648$6,524,968
49$10,067,799$3,252,901$2,245,904$7,039,168
50$11,033,370$3,350,949$2,259,798$7,601,645
51$12,095,497$3,451,869$2,272,225$8,217,212
52$13,263,968$3,555,741$2,283,074$8,891,171
53$14,549,567$3,662,647$2,292,232$9,629,364
54$15,964,177$3,772,670$2,299,575$10,438,224
55$17,520,889$3,885,897$2,304,977$11,324,837
56$19,234,129$4,002,415$2,308,303$12,297,010
57$21,119,792$4,122,315$2,309,413$13,363,344
58$23,195,392$4,245,690$2,308,160$14,533,313
59$25,480,226$4,372,633$2,304,388$15,817,354
60$27,995,559$4,503,243$2,297,935$17,226,966
61$30,764,822$4,637,617$2,288,631$18,774,819
62$33,813,831$4,775,857$2,276,297$20,474,869
63$37,171,035$4,918,068$2,260,746$22,342,496
64$40,867,782$5,064,354$2,241,783$24,394,642
65$44,938,615$5,214,827$2,219,201$26,649,974
66$49,421,595$5,369,595$2,192,786$29,129,063
67$54,358,666$5,528,773$2,162,313$31,854,571
68$59,796,043$5,692,477$2,127,544$34,851,470
69$65,784,657$5,860,825$2,088,234$38,147,273
70$72,380,625$6,033,939$2,044,123$41,772,299
71$79,645,790$6,211,942$1,994,942$45,759,952
72$87,648,295$6,394,962$1,940,407$50,147,043
73$96,463,232$6,583,126$1,880,221$54,974,132
74$106,173,349$6,776,567$1,814,077$60,285,911
75$116,869,831$6,975,419$1,741,648$66,131,630
76$128,653,158$7,179,819$1,662,598$72,565,554
77$141,634,056$7,389,906$1,576,571$79,647,482
78$155,934,542$7,605,824$1,483,198$87,443,308
79$171,689,073$7,827,716$1,382,093$96,025,642
80$189,045,815$8,055,731$1,272,850$105,474,496
81$208,168,046$8,290,020$1,155,048$115,878,041
82$229,235,690$8,530,734$1,028,246$127,333,433
83$252,447,021$8,778,031$891,982$139,947,738
84$278,020,530$9,032,068$745,777$153,838,934
85$306,196,991$9,293,005$589,127$169,137,032
86$337,241,729$9,561,007$421,507$185,985,298
87$371,447,129$9,836,240$242,371$204,541,605
88$409,135,391$10,118,872$51,146$224,979,928
89$450,661,578$10,409,073$0$247,491,980
90$496,416,958$10,707,016$0$272,310,237
91$546,832,705$11,012,878$0$299,655,244
92$602,383,968$11,326,835$0$329,776,542
93$663,594,350$11,649,068$0$362,956,936
94$731,040,859$11,979,757$0$399,508,071
95$805,359,348$12,319,087$0$439,773,367
96$887,250,520$12,667,242$0$484,131,265
97$977,486,545$13,024,408$0$532,998,794
98$1,076,918,344$13,390,775$0$586,835,508
99$1,186,483,623$13,766,531$0$646,147,825
100$1,307,215,728$14,151,867$0$711,493,808