Can I retire at age 30 with 525,000?

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 $525,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$43,354$42,968$42,591$42,223$41,864$41,053
2 years$21,462$21,063$20,675$20,300$19,935$19,121
3 years$14,166$13,765$13,378$13,006$12,648$11,856
4 years$10,519$10,118$9,736$9,370$9,021$8,257
5 years$8,331$7,933$7,556$7,197$6,857$6,125
6 years$6,873$6,478$6,106$5,756$5,426$4,725
7 years$5,832$5,440$5,074$4,732$4,413$3,744
8 years$5,051$4,663$4,303$3,970$3,661$3,024
9 years$4,444$4,060$3,706$3,381$3,083$2,477
10 years$3,959$3,579$3,231$2,915$2,627$2,052
11 years$3,563$3,186$2,845$2,537$2,259$1,714
12 years$3,232$2,860$2,525$2,225$1,958$1,442
13 years$2,953$2,584$2,256$1,964$1,707$1,220
14 years$2,714$2,349$2,027$1,744$1,496$1,037
15 years$2,507$2,146$1,830$1,555$1,318$884
16 years$2,326$1,969$1,659$1,392$1,165$757
17 years$2,166$1,813$1,510$1,251$1,033$649
18 years$2,025$1,675$1,378$1,127$918$558
19 years$1,898$1,553$1,262$1,019$818$481
20 years$1,784$1,443$1,158$923$731$415
21 years$1,681$1,344$1,065$837$654$359
22 years$1,588$1,255$982$761$586$310
23 years$1,503$1,173$906$693$526$269
24 years$1,425$1,099$838$632$473$233
25 years$1,354$1,032$776$578$426$202
26 years$1,288$970$720$528$383$176
27 years$1,227$913$669$483$346$153
28 years$1,170$860$622$443$312$133
29 years$1,118$811$578$406$282$115
30 years$1,069$766$539$373$255$100
31 years$1,023$724$502$342$230$87
32 years$980$685$469$315$208$76
33 years$940$649$438$289$188$66
34 years$903$615$409$266$171$57
35 years$867$583$382$245$154$50
36 years$834$554$358$226$140$44
37 years$802$526$335$208$127$38
38 years$773$500$313$192$115$33
39 years$744$475$294$177$104$29
40 years$718$452$275$163$95$25
41 years$692$430$258$150$86$22
42 years$668$410$242$139$78$19
43 years$646$391$227$128$71$17
44 years$624$372$213$118$64$14
45 years$603$355$200$109$58$13
46 years$583$339$188$101$53$11
47 years$564$323$177$93$48$10
48 years$546$309$166$86$44$8
49 years$529$295$156$80$40$7
50 years$513$281$147$74$36$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $525,000, adding $2,129 every year, while hoping to spend $29,246 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: 86/9/5 Blend
29$525,000$525,000$525,000$525,000
30$580,746$552,921$544,784$630,532
31$608,865$548,897$531,916$659,260
32$638,871$543,695$517,638$686,561
33$670,927$537,227$501,870$715,611
34$705,210$529,400$484,531$746,564
35$741,914$520,113$465,535$779,592
36$781,252$509,261$444,793$814,881
37$823,458$496,733$422,212$852,638
38$868,788$482,410$397,694$893,090
39$917,524$466,168$371,136$936,486
40$969,975$447,874$342,433$983,103
41$1,026,480$427,387$311,472$1,033,241
42$1,087,412$404,560$278,137$1,087,235
43$1,153,181$379,236$242,307$1,145,452
44$1,224,235$351,249$203,854$1,208,296
45$1,301,070$320,423$162,647$1,276,212
46$1,384,229$286,574$118,545$1,349,691
47$1,474,310$249,505$71,406$1,429,273
48$1,571,969$209,010$21,077$1,515,554
49$1,677,928$164,870$0$1,609,188
50$1,792,982$116,854$0$1,712,641
51$1,918,005$64,719$0$1,826,280
52$2,053,957$8,206$0$1,949,866
53$2,201,897$0$0$2,084,376
54$2,362,987$0$0$2,236,130
55$2,538,508$0$0$2,402,370
56$2,729,869$0$0$2,583,619
57$2,938,620$0$0$2,781,345
58$3,166,468$0$0$2,997,166
59$3,415,292$0$0$3,232,864
60$3,687,160$0$0$3,490,397
61$3,984,350$0$0$3,771,923
62$4,309,367$0$0$4,079,819
63$4,664,973$0$0$4,416,699
64$5,054,206$0$0$4,785,445
65$5,480,413$0$0$5,189,227
66$5,947,279$0$0$5,631,538
67$6,458,863$0$0$6,116,225
68$7,019,636$0$0$6,647,524
69$7,634,519$0$0$7,230,100
70$8,308,935$0$0$7,869,091
71$9,048,856$0$0$8,570,157
72$9,860,859$0$0$9,339,531
73$10,752,191$0$0$10,184,082
74$11,730,833$0$0$11,111,372
75$12,805,577$0$0$12,129,734
76$13,986,108$0$0$13,248,346
77$15,283,096$0$0$14,477,320
78$16,708,294$0$0$15,827,796
79$18,274,652$0$0$17,312,044
80$19,996,434$0$0$18,943,585
81$21,889,358$0$0$20,737,312
82$23,970,739$0$0$22,709,637
83$26,259,653$0$0$24,878,638
84$28,777,120$0$0$27,264,234
85$31,546,296$0$0$29,888,373
86$34,592,697$0$0$32,775,234
87$37,944,433$0$0$35,951,459
88$41,632,480$0$0$39,446,404
89$45,690,966$0$0$43,292,412
90$50,157,495$0$0$47,525,121
91$55,073,500$0$0$52,183,798
92$60,484,636$0$0$57,311,710
93$66,441,207$0$0$62,956,532
94$72,998,643$0$0$69,170,795
95$80,218,022$0$0$76,012,383
96$88,166,643$0$0$83,545,077
97$96,918,664$0$0$91,839,158
98$106,555,800$0$0$100,972,068
99$117,168,095$0$0$111,029,143
100$128,854,768$0$0$122,104,414