Can I retire at age 30 with 325,000?

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 $325,000?

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$26,838$26,599$26,366$26,138$25,916$25,289
2 years$13,286$13,039$12,799$12,566$12,341$11,714
3 years$8,770$8,521$8,282$8,051$7,830$7,221
4 years$6,512$6,264$6,027$5,801$5,584$4,999
5 years$5,157$4,911$4,677$4,455$4,245$3,685
6 years$4,255$4,010$3,780$3,563$3,359$2,824
7 years$3,610$3,368$3,141$2,929$2,732$2,223
8 years$3,127$2,887$2,664$2,457$2,266$1,782
9 years$2,751$2,513$2,294$2,093$1,908$1,450
10 years$2,451$2,215$2,000$1,804$1,626$1,192
11 years$2,206$1,972$1,761$1,570$1,399$988
12 years$2,001$1,770$1,563$1,377$1,212$825
13 years$1,828$1,600$1,396$1,216$1,057$692
14 years$1,680$1,454$1,255$1,079$926$583
15 years$1,552$1,328$1,133$963$816$494
16 years$1,440$1,219$1,027$862$721$419
17 years$1,341$1,122$935$774$639$356
18 years$1,253$1,037$853$698$568$304
19 years$1,175$961$781$631$507$259
20 years$1,105$893$717$571$452$222
21 years$1,041$832$659$518$405$190
22 years$983$777$608$471$363$163
23 years$930$726$561$429$326$140
24 years$882$681$519$391$293$120
25 years$838$639$481$358$264$103
26 years$797$600$446$327$237$89
27 years$759$565$414$299$214$76
28 years$724$532$385$274$193$66
29 years$692$502$358$251$174$56
30 years$662$474$333$231$158$49
31 years$633$448$311$212$142$42
32 years$607$424$290$195$129$36
33 years$582$402$271$179$117$31
34 years$559$381$253$165$106$27
35 years$537$361$237$152$96$23
36 years$516$343$221$140$87$20
37 years$497$326$207$129$79$17
38 years$478$309$194$119$71$15
39 years$461$294$182$109$65$13
40 years$444$280$170$101$59$11
41 years$429$266$160$93$53$10
42 years$414$254$150$86$48$8
43 years$400$242$141$79$44$7
44 years$386$230$132$73$40$6
45 years$373$220$124$68$36$5
46 years$361$210$116$62$33$5
47 years$349$200$109$58$30$4
48 years$338$191$103$53$27$3
49 years$328$182$97$49$25$3
50 years$317$174$91$46$22$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $325,000, adding $4,117 every year, while hoping to spend $23,512 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: 65/18/17 Blend
29$325,000$325,000$325,000$325,000
30$362,397$345,172$340,134$384,177
31$374,345$337,069$326,512$391,177
32$386,723$327,780$311,646$395,741
33$399,551$317,224$295,468$400,160
34$412,850$305,312$277,911$404,420
35$426,640$291,952$258,900$408,504
36$440,944$277,044$238,360$412,399
37$455,787$260,487$216,212$416,088
38$471,195$242,168$192,373$419,554
39$487,196$221,973$166,756$422,781
40$503,819$199,778$139,271$425,749
41$521,095$175,454$109,824$428,442
42$539,059$148,864$78,315$430,840
43$557,747$119,862$44,643$432,923
44$577,198$88,296$8,699$434,673
45$597,453$54,004$0$436,068
46$618,559$16,815$0$442,469
47$640,562$0$0$450,508
48$663,515$0$0$463,251
49$687,474$0$0$480,034
50$712,499$0$0$497,569
51$738,657$0$0$515,903
52$766,018$0$0$535,086
53$794,658$0$0$555,172
54$824,660$0$0$576,220
55$856,114$0$0$598,295
56$889,118$0$0$621,465
57$923,777$0$0$645,806
58$960,207$0$0$671,399
59$998,531$0$0$698,335
60$1,038,887$0$0$726,709
61$1,081,422$0$0$756,627
62$1,126,297$0$0$788,204
63$1,173,689$0$0$821,566
64$1,223,789$0$0$856,850
65$1,276,806$0$0$894,204
66$1,332,968$0$0$933,791
67$1,392,526$0$0$975,791
68$1,455,752$0$0$1,020,397
69$1,522,945$0$0$1,067,822
70$1,594,431$0$0$1,118,301
71$1,670,566$0$0$1,172,088
72$1,751,743$0$0$1,229,462
73$1,838,390$0$0$1,290,729
74$1,930,975$0$0$1,356,226
75$2,030,014$0$0$1,426,319
76$2,136,070$0$0$1,501,412
77$2,249,763$0$0$1,581,947
78$2,371,770$0$0$1,668,410
79$2,502,836$0$0$1,761,332
80$2,643,780$0$0$1,861,300
81$2,795,498$0$0$1,968,953
82$2,958,975$0$0$2,084,998
83$3,135,295$0$0$2,210,209
84$3,325,647$0$0$2,345,436
85$3,531,336$0$0$2,491,615
86$3,753,800$0$0$2,649,773
87$3,994,617$0$0$2,821,039
88$4,255,522$0$0$3,006,655
89$4,538,423$0$0$3,207,988
90$4,845,418$0$0$3,426,537
91$5,178,815$0$0$3,663,956
92$5,541,153$0$0$3,922,061
93$5,935,222$0$0$4,202,851
94$6,364,097$0$0$4,508,524
95$6,831,156$0$0$4,841,501
96$7,340,120$0$0$5,204,445
97$7,895,082$0$0$5,600,286
98$8,500,548$0$0$6,032,250
99$9,161,476$0$0$6,503,887
100$9,883,326$0$0$7,019,106