Can I retire at age 30 with 452,000?

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 $452,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$37,326$36,993$36,669$36,352$36,043$35,373
2 years$18,478$18,134$17,800$17,477$17,163$16,491
3 years$12,196$11,851$11,518$11,198$10,889$10,235
4 years$9,056$8,712$8,382$8,067$7,766$7,136
5 years$7,172$6,830$6,505$6,196$5,904$5,299
6 years$5,917$5,577$5,257$4,955$4,671$4,092
7 years$5,021$4,684$4,369$4,074$3,799$3,246
8 years$4,349$4,015$3,705$3,418$3,152$2,625
9 years$3,826$3,496$3,191$2,911$2,654$2,153
10 years$3,409$3,081$2,782$2,509$2,262$1,785
11 years$3,067$2,743$2,449$2,184$1,945$1,493
12 years$2,783$2,462$2,174$1,916$1,685$1,258
13 years$2,543$2,225$1,942$1,691$1,470$1,065
14 years$2,337$2,022$1,745$1,501$1,288$907
15 years$2,158$1,847$1,575$1,339$1,134$775
16 years$2,003$1,695$1,428$1,199$1,003$664
17 years$1,865$1,561$1,300$1,077$889$570
18 years$1,743$1,442$1,186$971$790$491
19 years$1,634$1,337$1,086$877$705$424
20 years$1,536$1,242$997$794$629$366
21 years$1,448$1,157$917$721$563$317
22 years$1,367$1,080$845$656$505$275
23 years$1,294$1,010$780$597$453$238
24 years$1,227$947$722$544$407$207
25 years$1,165$888$668$497$366$180
26 years$1,109$835$620$455$330$156
27 years$1,056$786$576$416$298$136
28 years$1,007$740$535$381$269$118
29 years$962$698$498$350$243$103
30 years$920$660$464$321$219$90
31 years$881$624$432$295$198$78
32 years$844$590$403$271$179$68
33 years$809$559$377$249$162$59
34 years$777$530$352$229$147$52
35 years$747$502$329$211$133$45
36 years$718$477$308$194$120$39
37 years$691$453$288$179$109$34
38 years$665$430$270$165$99$30
39 years$641$409$253$152$90$26
40 years$618$389$237$140$81$23
41 years$596$371$222$129$74$20
42 years$575$353$208$119$67$17
43 years$556$336$196$110$61$15
44 years$537$321$184$102$55$13
45 years$519$306$172$94$50$12
46 years$502$292$162$87$46$10
47 years$486$278$152$80$41$9
48 years$470$266$143$74$38$8
49 years$456$254$134$69$34$7
50 years$441$242$126$63$31$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $452,000, adding $6,773 every year, while hoping to spend $25,739 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: 49/26/25 Blend
29$452,000$452,000$452,000$452,000
30$505,090$481,134$474,128$525,969
31$529,223$477,324$462,626$537,433
32$554,956$472,464$449,875$546,769
33$582,422$466,476$435,807$556,396
34$611,773$459,277$420,350$566,353
35$643,171$450,778$403,429$576,685
36$676,794$440,887$384,964$587,441
37$712,840$429,503$364,873$598,681
38$751,523$416,522$343,070$610,470
39$793,081$401,834$319,464$622,881
40$837,771$385,320$293,963$635,998
41$885,880$366,856$266,466$649,917
42$937,719$346,312$236,872$664,743
43$993,632$323,547$205,074$680,597
44$1,053,997$298,415$170,958$697,612
45$1,119,228$270,761$134,409$715,942
46$1,189,782$240,420$95,303$735,755
47$1,266,157$207,219$53,514$757,241
48$1,348,907$170,974$8,908$780,614
49$1,438,635$131,491$0$806,112
50$1,536,007$88,566$0$844,323
51$1,641,757$41,983$0$888,429
52$1,756,689$0$0$936,425
53$1,881,690$0$0$991,150
54$2,017,733$0$0$1,063,826
55$2,165,893$0$0$1,143,019
56$2,327,349$0$0$1,229,367
57$2,503,401$0$0$1,323,570
58$2,695,478$0$0$1,426,398
59$2,905,153$0$0$1,538,702
60$3,134,160$0$0$1,661,415
61$3,384,404$0$0$1,795,567
62$3,657,987$0$0$1,942,290
63$3,957,218$0$0$2,102,831
64$4,284,644$0$0$2,278,564
65$4,643,066$0$0$2,471,000
66$5,035,572$0$0$2,681,806
67$5,465,558$0$0$2,912,815
68$5,936,769$0$0$3,166,048
69$6,453,325$0$0$3,443,728
70$7,019,767$0$0$3,748,305
71$7,641,094$0$0$4,082,479
72$8,322,814$0$0$4,449,222
73$9,070,993$0$0$4,851,809
74$9,892,313$0$0$5,293,845
75$10,794,133$0$0$5,779,304
76$11,784,562$0$0$6,312,563
77$12,872,533$0$0$6,898,443
78$14,067,883$0$0$7,542,255
79$15,381,453$0$0$8,249,852
80$16,825,185$0$0$9,027,680
81$18,412,235$0$0$9,882,841
82$20,157,096$0$0$10,823,160
83$22,075,738$0$0$11,857,258
84$24,185,753$0$0$12,994,634
85$26,506,527$0$0$14,245,751
86$29,059,414$0$0$15,622,142
87$31,867,947$0$0$17,136,508
88$34,958,051$0$0$18,802,849
89$38,358,292$0$0$20,636,586
90$42,100,145$0$0$22,654,714
91$46,218,291$0$0$24,875,957
92$50,750,941$0$0$27,320,946
93$55,740,200$0$0$30,012,415
94$61,232,463$0$0$32,975,412
95$67,278,849$0$0$36,237,540
96$73,935,689$0$0$39,829,211
97$81,265,049$0$0$43,783,940
98$89,335,324$0$0$48,138,654
99$98,221,875$0$0$52,934,044
100$108,007,747$0$0$58,214,949