Can I retire at age 30 with 436,000?

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 $436,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$36,004$35,684$35,371$35,065$34,767$33,427
2 years$17,824$17,492$17,170$16,858$16,556$15,222
3 years$11,765$11,431$11,110$10,801$10,504$9,218
4 years$8,736$8,403$8,085$7,782$7,491$6,263
5 years$6,919$6,588$6,275$5,977$5,695$4,527
6 years$5,708$5,380$5,071$4,780$4,506$3,400
7 years$4,843$4,518$4,214$3,930$3,665$2,620
8 years$4,195$3,873$3,574$3,297$3,040$2,056
9 years$3,691$3,372$3,078$2,808$2,560$1,635
10 years$3,288$2,972$2,684$2,421$2,181$1,313
11 years$2,959$2,646$2,363$2,107$1,876$1,063
12 years$2,684$2,375$2,097$1,848$1,626$866
13 years$2,453$2,146$1,873$1,631$1,418$709
14 years$2,254$1,951$1,683$1,448$1,243$582
15 years$2,082$1,782$1,520$1,291$1,094$480
16 years$1,932$1,635$1,378$1,156$967$396
17 years$1,799$1,506$1,254$1,039$858$328
18 years$1,681$1,391$1,144$936$762$272
19 years$1,576$1,290$1,048$846$680$226
20 years$1,482$1,198$962$766$607$188
21 years$1,396$1,116$884$695$543$156
22 years$1,319$1,042$815$632$487$130
23 years$1,248$974$753$576$437$109
24 years$1,184$913$696$525$393$91
25 years$1,124$857$645$480$354$76
26 years$1,069$805$598$439$318$63
27 years$1,019$758$555$401$287$53
28 years$972$714$516$368$259$44
29 years$928$674$480$337$234$37
30 years$888$636$447$310$211$31
31 years$850$601$417$284$191$26
32 years$814$569$389$261$173$21
33 years$781$539$363$240$156$18
34 years$750$511$340$221$142$15
35 years$720$484$317$203$128$12
36 years$692$460$297$187$116$10
37 years$666$437$278$173$105$9
38 years$642$415$260$159$96$7
39 years$618$395$244$147$87$6
40 years$596$376$229$135$79$5
41 years$575$357$214$125$71$4
42 years$555$340$201$115$65$4
43 years$536$324$189$106$59$3
44 years$518$309$177$98$53$2
45 years$501$295$166$91$48$2
46 years$484$281$156$84$44$2
47 years$469$268$147$77$40$1
48 years$454$256$138$72$36$1
49 years$439$245$130$66$33$1
50 years$426$234$122$61$30$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $436,000, adding $3,829 every year, while hoping to spend $30,542 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: 39/31/30 Blend
29$436,000$436,000$436,000$436,000
30$484,422$461,314$454,556$498,887
31$501,336$451,422$437,287$499,956
32$518,952$440,021$418,416$498,035
33$537,310$427,006$397,857$495,387
34$556,450$412,264$375,520$491,964
35$576,419$395,677$351,311$487,720
36$597,267$377,117$325,133$482,603
37$619,045$356,453$296,882$476,562
38$641,812$333,544$266,452$469,542
39$665,629$308,240$233,730$461,487
40$690,564$280,384$198,601$452,338
41$716,689$249,810$160,941$442,035
42$744,082$216,343$120,624$430,516
43$772,830$179,795$77,517$417,714
44$803,026$139,971$31,480$403,564
45$834,769$96,665$0$387,997
46$868,169$49,655$0$376,590
47$903,347$0$0$374,743
48$940,431$0$0$372,784
49$979,564$0$0$388,613
50$1,020,899$0$0$405,358
51$1,064,606$0$0$423,090
52$1,110,866$0$0$441,887
53$1,159,882$0$0$461,833
54$1,211,873$0$0$483,023
55$1,267,077$0$0$505,558
56$1,325,758$0$0$529,549
57$1,388,201$0$0$555,118
58$1,454,721$0$0$582,400
59$1,525,661$0$0$611,540
60$1,601,397$0$0$642,699
61$1,682,343$0$0$676,053
62$1,768,949$0$0$711,794
63$1,861,711$0$0$750,135
64$1,961,174$0$0$791,308
65$2,067,934$0$0$835,566
66$2,182,644$0$0$883,191
67$2,306,025$0$0$934,489
68$2,438,863$0$0$989,798
69$2,582,027$0$0$1,049,488
70$2,736,466$0$0$1,113,966
71$2,903,228$0$0$1,183,680
72$3,083,459$0$0$1,259,122
73$3,278,424$0$0$1,340,832
74$3,489,509$0$0$1,429,405
75$3,718,240$0$0$1,525,494
76$3,966,295$0$0$1,629,819
77$4,235,519$0$0$1,743,169
78$4,527,941$0$0$1,866,415
79$4,845,792$0$0$2,000,513
80$5,191,528$0$0$2,146,517
81$5,567,850$0$0$2,305,585
82$5,977,731$0$0$2,478,992
83$6,424,441$0$0$2,668,140
84$6,911,581$0$0$2,874,575
85$7,443,112$0$0$3,099,996
86$8,023,396$0$0$3,346,275
87$8,657,232$0$0$3,615,471
88$9,349,907$0$0$3,909,854
89$10,107,238$0$0$4,231,921
90$10,935,632$0$0$4,584,421
91$11,842,142$0$0$4,970,383
92$12,834,535$0$0$5,393,140
93$13,921,363$0$0$5,856,367
94$15,112,045$0$0$6,364,105
95$16,416,954$0$0$6,920,811
96$17,847,514$0$0$7,531,388
97$19,416,305$0$0$8,201,241
98$21,137,187$0$0$8,936,321
99$23,025,421$0$0$9,743,184
100$25,097,821$0$0$10,629,050