Can I retire at age 30 with 736,000?

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 $736,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$60,778$60,237$59,709$59,193$58,690$57,387
2 years$30,088$29,528$28,985$28,458$27,947$26,642
3 years$19,860$19,297$18,755$18,233$17,731$16,464
4 years$14,746$14,185$13,649$13,136$12,646$11,426
5 years$11,679$11,121$10,592$10,090$9,613$8,444
6 years$9,635$9,081$8,560$8,069$7,607$6,490
7 years$8,175$7,627$7,113$6,634$6,186$5,122
8 years$7,081$6,537$6,033$5,565$5,132$4,120
9 years$6,231$5,692$5,196$4,740$4,322$3,361
10 years$5,551$5,017$4,530$4,086$3,683$2,772
11 years$4,995$4,467$3,988$3,556$3,167$2,305
12 years$4,532$4,009$3,539$3,119$2,745$1,931
13 years$4,140$3,623$3,162$2,754$2,393$1,626
14 years$3,805$3,293$2,841$2,444$2,098$1,375
15 years$3,515$3,008$2,565$2,180$1,847$1,167
16 years$3,261$2,760$2,326$1,952$1,633$994
17 years$3,037$2,542$2,116$1,754$1,448$849
18 years$2,838$2,349$1,932$1,581$1,287$726
19 years$2,661$2,177$1,769$1,428$1,147$622
20 years$2,501$2,023$1,623$1,293$1,025$534
21 years$2,357$1,884$1,493$1,174$917$459
22 years$2,226$1,759$1,376$1,067$822$395
23 years$2,107$1,645$1,271$972$738$340
24 years$1,998$1,541$1,175$887$663$293
25 years$1,898$1,446$1,088$810$597$253
26 years$1,805$1,359$1,009$740$538$219
27 years$1,720$1,279$937$678$485$189
28 years$1,640$1,206$871$621$437$163
29 years$1,567$1,137$811$569$395$141
30 years$1,498$1,074$755$523$357$122
31 years$1,434$1,015$704$480$323$105
32 years$1,374$961$657$441$292$91
33 years$1,318$910$613$406$264$79
34 years$1,265$862$573$373$239$68
35 years$1,216$818$536$344$217$59
36 years$1,169$776$501$316$196$51
37 years$1,125$737$469$291$178$44
38 years$1,083$701$439$269$161$38
39 years$1,044$666$412$248$146$33
40 years$1,006$634$386$228$133$29
41 years$971$603$362$211$120$25
42 years$937$575$339$195$109$22
43 years$905$548$318$180$99$19
44 years$874$522$299$166$90$16
45 years$845$498$281$153$82$14
46 years$818$475$264$141$74$12
47 years$791$453$248$131$67$11
48 years$766$433$233$121$61$9
49 years$742$413$219$112$56$8
50 years$719$395$206$103$50$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $736,000, adding $6,622 every year, while hoping to spend $27,811 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: 87/7/6 Blend
29$736,000$736,000$736,000$736,000
30$817,903$778,895$767,487$888,299
31$871,738$787,470$763,607$943,732
32$930,132$795,533$758,665$1,000,091
33$993,522$803,030$752,596$1,061,129
34$1,062,385$809,902$745,332$1,127,299
35$1,137,249$816,088$736,801$1,199,096
36$1,218,694$821,523$726,930$1,277,067
37$1,307,358$826,134$715,639$1,361,814
38$1,403,944$829,850$702,848$1,453,999
39$1,509,222$832,589$688,470$1,554,352
40$1,624,045$834,267$672,415$1,663,678
41$1,749,347$834,796$654,591$1,782,859
42$1,886,159$834,080$634,898$1,912,873
43$2,035,615$832,017$613,235$2,054,790
44$2,198,963$828,501$589,493$2,209,796
45$2,377,577$823,418$563,562$2,379,190
46$2,572,971$816,647$535,322$2,564,410
47$2,786,811$808,059$504,653$2,767,034
48$3,020,932$797,520$471,424$2,988,805
49$3,277,354$784,886$435,504$3,231,640
50$3,558,302$770,003$396,751$3,497,654
51$3,866,226$752,711$355,020$3,789,174
52$4,203,826$732,838$310,157$4,108,766
53$4,574,072$710,204$262,004$4,459,257
54$4,980,240$684,616$210,394$4,843,761
55$5,425,935$655,872$155,152$5,265,709
56$5,915,129$623,758$96,098$5,728,883
57$6,452,196$588,047$33,042$6,237,449
58$7,041,956$548,497$0$6,795,998
59$7,689,719$504,857$0$7,411,781
60$8,401,332$456,856$0$8,090,580
61$9,183,238$404,213$0$8,836,433
62$10,042,536$346,626$0$9,656,123
63$10,987,044$283,780$0$10,557,124
64$12,025,377$215,340$0$11,547,671
65$13,167,026$140,952$0$12,636,837
66$14,422,447$60,244$0$13,834,619
67$15,803,162$0$0$15,152,035
68$17,321,863$0$0$16,603,317
69$18,992,535$0$0$18,204,935
70$20,830,586$0$0$19,967,024
71$22,852,995$0$0$21,905,859
72$25,078,466$0$0$24,039,374
73$27,527,611$0$0$26,387,330
74$30,223,139$0$0$28,971,500
75$33,190,075$0$0$31,815,873
76$36,455,989$0$0$34,946,886
77$40,051,263$0$0$38,393,664
78$44,009,374$0$0$42,188,302
79$48,367,207$0$0$46,366,166
80$53,165,409$0$0$50,966,224
81$58,448,767$0$0$56,031,415
82$64,266,633$0$0$61,609,054
83$70,673,388$0$0$67,751,279
84$77,728,956$0$0$74,515,542
85$85,499,369$0$0$81,965,149
86$94,057,389$0$0$90,169,860
87$103,483,196$0$0$99,206,545
88$113,865,141$0$0$109,159,913
89$125,300,584$0$0$120,123,304
90$137,896,810$0$0$132,199,578
91$151,772,041$0$0$145,502,077
92$167,056,554$0$0$160,155,704
93$183,893,905$0$0$176,298,091
94$202,442,290$0$0$194,080,906
95$222,876,033$0$0$213,671,282
96$245,387,234$0$0$235,253,390
97$270,187,579$0$0$259,030,185
98$297,510,342$0$0$285,225,312
99$327,612,580$0$0$314,085,225
100$360,777,567$0$0$345,881,508