Can I retire at age 30 with 527,000?

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 $527,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$43,519$43,132$42,753$42,384$42,024$41,741
2 years$21,544$21,143$20,754$20,377$20,011$19,727
3 years$14,220$13,817$13,429$13,056$12,696$12,418
4 years$10,559$10,157$9,773$9,406$9,055$8,785
5 years$8,363$7,963$7,584$7,225$6,883$6,623
6 years$6,899$6,503$6,129$5,778$5,447$5,196
7 years$5,854$5,461$5,093$4,750$4,430$4,189
8 years$5,070$4,681$4,320$3,985$3,675$3,444
9 years$4,461$4,076$3,720$3,394$3,095$2,873
10 years$3,974$3,592$3,244$2,926$2,637$2,425
11 years$3,576$3,198$2,856$2,546$2,268$2,065
12 years$3,245$2,870$2,534$2,233$1,965$1,772
13 years$2,964$2,594$2,264$1,972$1,714$1,530
14 years$2,724$2,358$2,034$1,750$1,502$1,327
15 years$2,517$2,154$1,837$1,561$1,323$1,156
16 years$2,335$1,976$1,665$1,398$1,169$1,011
17 years$2,175$1,820$1,515$1,256$1,036$887
18 years$2,032$1,682$1,383$1,132$922$780
19 years$1,905$1,559$1,266$1,023$821$687
20 years$1,791$1,448$1,162$926$734$607
21 years$1,688$1,349$1,069$841$657$537
22 years$1,594$1,259$985$764$589$475
23 years$1,509$1,178$910$696$528$422
24 years$1,431$1,104$841$635$475$374
25 years$1,359$1,036$779$580$427$333
26 years$1,292$973$723$530$385$296
27 years$1,231$916$671$485$347$264
28 years$1,175$863$624$445$313$235
29 years$1,122$814$581$408$283$209
30 years$1,073$769$541$374$255$187
31 years$1,027$727$504$344$231$167
32 years$984$688$470$316$209$149
33 years$944$651$439$290$189$133
34 years$906$617$410$267$171$119
35 years$870$586$384$246$155$106
36 years$837$556$359$227$140$95
37 years$805$528$336$209$127$85
38 years$776$502$315$192$115$76
39 years$747$477$295$177$105$68
40 years$720$454$276$164$95$61
41 years$695$432$259$151$86$54
42 years$671$411$243$139$78$49
43 years$648$392$228$129$71$44
44 years$626$374$214$119$64$39
45 years$605$356$201$110$58$35
46 years$585$340$189$101$53$31
47 years$567$324$177$94$48$28
48 years$548$310$167$86$44$25
49 years$531$296$157$80$40$22
50 years$515$283$147$74$36$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $527,000, adding $5,611 every year, while hoping to spend $36,227 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: 48/27/25 Blend
29$527,000$527,000$527,000$527,000
30$586,542$558,611$550,442$610,285
31$607,824$547,437$530,337$616,311
32$630,062$534,502$508,344$618,814
33$653,317$519,681$484,361$620,809
34$677,651$502,842$458,284$622,265
35$703,136$483,845$430,000$623,150
36$729,845$462,542$399,394$623,434
37$757,860$438,778$366,345$623,084
38$787,271$412,387$330,727$622,066
39$818,173$383,195$292,406$620,349
40$850,670$351,015$251,246$617,900
41$884,878$315,654$207,102$614,686
42$920,919$276,904$159,823$610,677
43$958,928$234,548$109,253$605,840
44$999,053$188,355$55,227$600,146
45$1,041,453$138,081$0$593,568
46$1,086,303$83,470$0$586,725
47$1,133,795$24,249$0$594,710
48$1,184,137$0$0$602,805
49$1,237,557$0$0$622,888
50$1,294,304$0$0$651,905
51$1,354,650$0$0$682,795
52$1,418,893$0$0$715,713
53$1,487,361$0$0$750,833
54$1,560,410$0$0$788,342
55$1,638,432$0$0$828,445
56$1,721,857$0$0$871,370
57$1,811,155$0$0$917,363
58$1,906,841$0$0$966,696
59$2,009,482$0$0$1,019,668
60$2,119,700$0$0$1,076,605
61$2,238,175$0$0$1,137,868
62$2,365,655$0$0$1,203,850
63$2,502,964$0$0$1,274,985
64$2,651,001$0$0$1,351,748
65$2,810,760$0$0$1,434,662
66$2,983,329$0$0$1,524,303
67$3,169,906$0$0$1,621,301
68$3,371,804$0$0$1,726,350
69$3,590,471$0$0$1,840,215
70$3,827,497$0$0$1,963,733
71$4,084,629$0$0$2,097,829
72$4,363,791$0$0$2,243,517
73$4,667,097$0$0$2,401,914
74$4,996,873$0$0$2,574,248
75$5,355,679$0$0$2,761,872
76$5,746,331$0$0$2,966,272
77$6,171,927$0$0$3,189,087
78$6,635,877$0$0$3,432,116
79$7,141,934$0$0$3,697,343
80$7,694,229$0$0$3,986,950
81$8,297,308$0$0$4,303,341
82$8,956,176$0$0$4,649,159
83$9,676,344$0$0$5,027,318
84$10,463,878$0$0$5,441,023
85$11,325,458$0$0$5,893,805
86$12,268,439$0$0$6,389,551
87$13,300,919$0$0$6,932,543
88$14,431,816$0$0$7,527,494
89$15,670,952$0$0$8,179,597
90$17,029,144$0$0$8,894,571
91$18,518,303$0$0$9,678,711
92$20,151,550$0$0$10,538,957
93$21,943,337$0$0$11,482,948
94$23,909,580$0$0$12,519,099
95$26,067,813$0$0$13,656,683
96$28,437,348$0$0$14,905,909
97$31,039,460$0$0$16,278,029
98$33,897,586$0$0$17,785,434
99$37,037,541$0$0$19,441,776
100$40,487,767$0$0$21,262,095