Can I retire at age 30 with 536,000?

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 $536,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$44,262$43,868$43,483$43,108$42,741$42,155
2 years$21,912$21,504$21,108$20,725$20,353$19,763
3 years$14,463$14,053$13,659$13,279$12,913$12,338
4 years$10,739$10,331$9,940$9,567$9,210$8,654
5 years$8,505$8,099$7,714$7,348$7,001$6,467
6 years$7,017$6,614$6,234$5,876$5,540$5,027
7 years$5,954$5,554$5,180$4,831$4,505$4,014
8 years$5,157$4,761$4,393$4,053$3,737$3,268
9 years$4,538$4,145$3,784$3,452$3,147$2,700
10 years$4,042$3,654$3,299$2,976$2,682$2,255
11 years$3,637$3,253$2,904$2,590$2,306$1,901
12 years$3,300$2,920$2,578$2,272$1,999$1,614
13 years$3,015$2,638$2,303$2,005$1,743$1,378
14 years$2,771$2,398$2,069$1,780$1,528$1,182
15 years$2,559$2,191$1,868$1,588$1,345$1,018
16 years$2,375$2,010$1,694$1,422$1,189$880
17 years$2,212$1,851$1,541$1,277$1,054$762
18 years$2,067$1,711$1,407$1,151$937$662
19 years$1,938$1,585$1,288$1,040$835$577
20 years$1,822$1,473$1,182$942$746$503
21 years$1,717$1,372$1,087$855$668$439
22 years$1,621$1,281$1,002$777$599$384
23 years$1,534$1,198$925$708$537$336
24 years$1,455$1,122$856$646$483$295
25 years$1,382$1,053$793$590$435$259
26 years$1,315$990$735$539$391$227
27 years$1,252$932$683$494$353$199
28 years$1,195$878$635$452$318$175
29 years$1,141$828$590$415$288$154
30 years$1,091$782$550$381$260$136
31 years$1,044$739$513$349$235$119
32 years$1,001$700$478$321$212$105
33 years$960$663$447$295$192$93
34 years$921$628$417$272$174$81
35 years$885$596$390$250$158$72
36 years$851$565$365$230$143$63
37 years$819$537$342$212$130$56
38 years$789$510$320$196$117$49
39 years$760$485$300$180$106$43
40 years$733$462$281$166$97$38
41 years$707$439$263$154$88$34
42 years$682$419$247$142$79$30
43 years$659$399$232$131$72$26
44 years$637$380$218$121$65$23
45 years$616$362$204$112$59$20
46 years$595$346$192$103$54$18
47 years$576$330$180$95$49$16
48 years$558$315$169$88$45$14
49 years$540$301$159$81$40$12
50 years$523$287$150$75$37$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $536,000, adding $6,663 every year, while hoping to spend $21,653 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: 75/12/13 Blend
29$536,000$536,000$536,000$536,000
30$597,545$569,137$560,829$640,268
31$635,456$573,986$556,578$674,235
32$676,508$578,347$551,459$708,089
33$720,999$582,173$545,420$744,596
34$769,256$585,414$538,407$784,013
35$821,638$588,018$530,362$826,623
36$878,542$589,928$521,226$872,738
37$940,403$591,084$510,936$922,702
38$1,007,699$591,422$499,428$976,895
39$1,080,958$590,876$486,632$1,035,734
40$1,160,760$589,372$472,478$1,099,679
41$1,247,741$586,835$456,890$1,169,239
42$1,342,605$583,185$439,790$1,244,973
43$1,446,125$578,335$421,097$1,327,499
44$1,559,150$572,194$400,725$1,417,495
45$1,682,618$564,666$378,584$1,515,714
46$1,817,560$555,649$354,581$1,622,980
47$1,965,110$545,035$328,618$1,740,206
48$2,126,518$532,708$300,594$1,868,396
49$2,303,160$518,549$270,401$2,008,659
50$2,496,552$502,426$237,928$2,162,214
51$2,708,361$484,206$203,060$2,330,410
52$2,940,425$463,744$165,674$2,514,729
53$3,194,768$440,886$125,643$2,716,808
54$3,473,618$415,474$82,836$2,938,452
55$3,779,429$387,334$37,113$3,181,649
56$4,114,906$356,289$0$3,448,591
57$4,483,026$322,146$0$3,743,315
58$4,887,068$284,705$0$4,072,466
59$5,330,646$243,753$0$4,433,848
60$5,817,740$199,064$0$4,830,723
61$6,352,733$150,402$0$5,266,685
62$6,940,455$97,516$0$5,745,692
63$7,586,227$40,139$0$6,272,110
64$8,295,910$0$0$6,850,747
65$9,075,961$0$0$7,489,808
66$9,933,494$0$0$8,198,198
67$10,876,347$0$0$8,977,093
68$11,913,154$0$0$9,833,629
69$13,053,429$0$0$10,775,670
70$14,307,654$0$0$11,811,878
71$15,687,378$0$0$12,951,797
72$17,205,324$0$0$14,205,944
73$18,875,512$0$0$15,585,906
74$20,713,390$0$0$17,104,448
75$22,735,977$0$0$18,775,639
76$24,962,028$0$0$20,614,977
77$27,412,205$0$0$22,639,540
78$30,109,279$0$0$24,868,147
79$33,078,336$0$0$27,321,532
80$36,347,021$0$0$30,022,543
81$39,945,795$0$0$32,996,354
82$43,908,223$0$0$36,270,706
83$48,271,288$0$0$39,876,168
84$53,075,746$0$0$43,846,420
85$58,366,503$0$0$48,218,580
86$64,193,044$0$0$53,033,544
87$70,609,897$0$0$58,336,379
88$77,677,147$0$0$64,176,747
89$85,461,005$0$0$70,609,368
90$94,034,432$0$0$77,694,545
91$103,477,826$0$0$85,498,724
92$113,879,779$0$0$94,095,129
93$125,337,919$0$0$103,564,447
94$137,959,825$0$0$113,995,591
95$151,864,045$0$0$125,486,540
96$167,181,213$0$0$138,145,264
97$184,055,284$0$0$152,090,738
98$202,644,891$0$0$167,454,072
99$223,124,840$0$0$184,379,745
100$245,687,764$0$0$203,026,964