Can I retire at age 30 with 727,000?

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 $727,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$60,035$59,500$58,978$58,469$57,972$57,510
2 years$29,720$29,167$28,630$28,110$27,606$27,140
3 years$19,617$19,061$18,526$18,010$17,514$17,059
4 years$14,566$14,012$13,482$12,976$12,491$12,051
5 years$11,536$10,985$10,463$9,966$9,496$9,071
6 years$9,517$8,970$8,455$7,970$7,514$7,105
7 years$8,075$7,533$7,026$6,553$6,111$5,718
8 years$6,995$6,457$5,959$5,497$5,069$4,693
9 years$6,155$5,622$5,132$4,682$4,269$3,909
10 years$5,483$4,956$4,475$4,036$3,637$3,293
11 years$4,934$4,412$3,939$3,513$3,128$2,800
12 years$4,476$3,960$3,496$3,081$2,711$2,398
13 years$4,089$3,579$3,124$2,720$2,364$2,066
14 years$3,758$3,253$2,806$2,415$2,072$1,789
15 years$3,472$2,972$2,534$2,153$1,825$1,555
16 years$3,221$2,726$2,297$1,928$1,613$1,357
17 years$3,000$2,511$2,090$1,732$1,430$1,188
18 years$2,804$2,320$1,908$1,561$1,271$1,042
19 years$2,628$2,150$1,747$1,411$1,133$916
20 years$2,471$1,998$1,603$1,278$1,012$807
21 years$2,328$1,861$1,475$1,160$906$713
22 years$2,199$1,737$1,359$1,054$812$630
23 years$2,081$1,625$1,255$960$729$557
24 years$1,973$1,522$1,161$876$655$494
25 years$1,874$1,429$1,075$800$589$438
26 years$1,783$1,343$997$731$531$389
27 years$1,699$1,264$926$669$479$345
28 years$1,620$1,191$861$613$432$307
29 years$1,548$1,123$801$562$390$273
30 years$1,480$1,061$746$516$352$243
31 years$1,417$1,003$695$474$319$216
32 years$1,357$949$649$436$288$193
33 years$1,302$899$606$401$261$172
34 years$1,250$852$566$369$236$153
35 years$1,201$808$529$339$214$136
36 years$1,155$767$495$312$194$122
37 years$1,111$728$463$288$176$108
38 years$1,070$692$434$265$159$97
39 years$1,031$658$407$245$144$86
40 years$994$626$381$226$131$77
41 years$959$596$357$208$119$69
42 years$926$568$335$192$108$61
43 years$894$541$315$177$98$55
44 years$864$516$295$164$89$49
45 years$835$492$277$151$81$44
46 years$808$469$260$140$73$39
47 years$782$448$245$129$66$35
48 years$757$427$230$119$60$31
49 years$733$408$216$110$55$28
50 years$710$390$203$102$50$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $727,000, adding $5,602 every year, while hoping to spend $54,078 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: 76/16/8 Blend
29$727,000$727,000$727,000$727,000
30$806,932$768,401$757,133$866,882
31$831,701$748,515$724,958$887,202
32$857,183$725,841$689,893$901,999
33$883,396$700,186$651,784$916,660
34$910,353$671,346$610,470$931,151
35$938,071$639,104$565,782$945,434
36$966,564$603,230$517,546$959,469
37$995,847$563,482$465,577$973,212
38$1,025,933$519,603$409,684$986,616
39$1,056,837$471,322$349,667$999,631
40$1,088,570$418,352$285,316$1,012,202
41$1,121,143$360,391$216,414$1,024,269
42$1,154,568$297,118$142,732$1,035,768
43$1,188,852$228,195$64,032$1,046,632
44$1,224,004$153,265$0$1,056,785
45$1,260,029$71,952$0$1,067,852
46$1,296,930$0$0$1,083,987
47$1,334,710$0$0$1,102,490
48$1,373,365$0$0$1,134,382
49$1,412,893$0$0$1,166,988
50$1,453,285$0$0$1,200,303
51$1,494,530$0$0$1,234,315
52$1,536,612$0$0$1,269,012
53$1,579,510$0$0$1,304,375
54$1,623,197$0$0$1,340,382
55$1,667,642$0$0$1,377,004
56$1,712,805$0$0$1,414,209
57$1,758,639$0$0$1,451,956
58$1,805,089$0$0$1,490,199
59$1,852,089$0$0$1,528,882
60$1,899,564$0$0$1,567,942
61$1,947,425$0$0$1,607,303
62$1,995,574$0$0$1,646,881
63$2,043,893$0$0$1,686,579
64$2,092,250$0$0$1,726,285
65$2,140,497$0$0$1,765,873
66$2,188,462$0$0$1,805,199
67$2,235,953$0$0$1,844,102
68$2,282,752$0$0$1,882,398
69$2,328,615$0$0$1,919,881
70$2,373,266$0$0$1,956,321
71$2,416,396$0$0$1,991,456
72$2,457,659$0$0$2,024,996
73$2,496,667$0$0$2,056,616
74$2,532,985$0$0$2,085,950
75$2,566,131$0$0$2,112,592
76$2,595,563$0$0$2,136,089
77$2,620,679$0$0$2,155,935
78$2,640,808$0$0$2,171,568
79$2,655,204$0$0$2,182,360
80$2,663,038$0$0$2,187,616
81$2,663,386$0$0$2,186,561
82$2,655,224$0$0$2,178,337
83$2,637,415$0$0$2,161,989
84$2,608,697$0$0$2,136,460
85$2,567,672$0$0$2,100,577
86$2,512,788$0$0$2,053,039
87$2,442,327$0$0$1,992,405
88$2,354,386$0$0$1,917,080
89$2,246,857$0$0$1,825,297
90$2,117,409$0$0$1,715,102
91$1,963,460$0$0$1,584,332
92$1,782,156$0$0$1,430,593
93$1,570,339$0$0$1,251,239
94$1,324,519$0$0$1,043,345
95$1,040,836$0$0$803,677
96$715,025$0$0$528,661
97$342,375$0$0$214,348
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0