Can I retire at age 30 with 810,000?

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 $810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$66,889$66,293$65,712$65,145$64,591$62,200
2 years$33,113$32,497$31,899$31,319$30,757$28,376
3 years$21,856$21,237$20,641$20,067$19,514$17,216
4 years$16,229$15,611$15,021$14,457$13,917$11,721
5 years$12,853$12,240$11,657$11,104$10,580$8,491
6 years$10,604$9,994$9,421$8,880$8,371$6,391
7 years$8,997$8,393$7,829$7,301$6,808$4,936
8 years$7,793$7,195$6,639$6,125$5,648$3,883
9 years$6,857$6,264$5,718$5,217$4,756$3,095
10 years$6,109$5,522$4,985$4,497$4,053$2,493
11 years$5,497$4,916$4,389$3,914$3,486$2,023
12 years$4,987$4,412$3,895$3,433$3,020$1,652
13 years$4,556$3,987$3,480$3,031$2,634$1,356
14 years$4,187$3,624$3,127$2,690$2,309$1,117
15 years$3,868$3,311$2,823$2,399$2,033$923
16 years$3,589$3,038$2,560$2,148$1,797$765
17 years$3,342$2,797$2,329$1,930$1,593$635
18 years$3,124$2,585$2,126$1,739$1,416$528
19 years$2,929$2,396$1,946$1,572$1,263$440
20 years$2,753$2,226$1,786$1,424$1,128$367
21 years$2,594$2,074$1,643$1,292$1,009$306
22 years$2,450$1,936$1,514$1,175$905$256
23 years$2,319$1,810$1,398$1,070$812$214
24 years$2,199$1,696$1,293$976$730$179
25 years$2,088$1,592$1,198$891$657$150
26 years$1,987$1,496$1,111$815$592$125
27 years$1,892$1,408$1,031$746$533$105
28 years$1,805$1,327$959$683$481$88
29 years$1,724$1,252$892$627$435$74
30 years$1,649$1,182$831$575$393$62
31 years$1,578$1,117$775$528$355$52
32 years$1,512$1,057$723$485$321$43
33 years$1,451$1,001$675$446$291$36
34 years$1,393$949$631$411$263$31
35 years$1,338$900$590$378$238$26
36 years$1,286$854$552$348$216$21
37 years$1,238$811$516$321$196$18
38 years$1,192$771$484$296$177$15
39 years$1,149$733$453$273$161$13
40 years$1,107$698$425$251$146$11
41 years$1,068$664$398$232$132$9
42 years$1,031$632$373$214$120$7
43 years$996$603$350$198$109$6
44 years$962$574$329$183$99$5
45 years$930$548$309$169$90$4
46 years$900$523$290$156$82$4
47 years$871$499$273$144$74$3
48 years$843$476$256$133$67$3
49 years$816$455$241$123$61$2
50 years$791$434$226$114$55$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $810,000, adding $6,531 every year, while hoping to spend $24,646 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: 27/48/25 Blend
29$810,000$810,000$810,000$810,000
30$899,357$856,427$843,872$916,458
31$964,868$872,168$845,918$946,364
32$1,036,235$887,856$847,207$975,879
33$1,114,030$903,459$847,688$1,007,058
34$1,198,881$918,949$847,305$1,040,057
35$1,291,480$934,290$846,003$1,075,051
36$1,392,589$949,449$843,722$1,112,234
37$1,503,047$964,385$840,401$1,151,820
38$1,623,776$979,059$835,973$1,194,045
39$1,755,794$993,425$830,370$1,239,173
40$1,900,219$1,007,437$823,521$1,287,493
41$2,058,283$1,021,043$815,351$1,339,328
42$2,231,343$1,034,189$805,780$1,395,034
43$2,420,893$1,046,818$794,727$1,455,005
44$2,628,579$1,058,867$782,106$1,519,677
45$2,856,213$1,070,270$767,825$1,589,533
46$3,105,790$1,080,957$751,791$1,665,106
47$3,379,509$1,090,852$733,904$1,746,987
48$3,679,790$1,099,875$714,061$1,835,830
49$4,009,301$1,107,941$692,154$1,932,357
50$4,370,978$1,114,958$668,070$2,037,367
51$4,768,057$1,120,831$641,689$2,151,743
52$5,204,102$1,125,455$612,889$2,276,462
53$5,683,040$1,128,721$581,540$2,412,604
54$6,209,195$1,130,513$547,506$2,561,362
55$6,787,332$1,130,707$510,647$2,724,056
56$7,422,700$1,129,172$470,814$2,902,142
57$8,121,082$1,125,768$427,853$3,097,231
58$8,888,849$1,120,348$381,602$3,311,103
59$9,733,019$1,112,753$331,894$3,545,723
60$10,661,327$1,102,817$278,552$3,803,264
61$11,682,291$1,090,364$221,393$4,086,124
62$12,805,300$1,075,207$160,224$4,396,951
63$14,040,695$1,057,146$94,846$4,738,673
64$15,399,871$1,035,972$25,049$5,114,520
65$16,895,385$1,011,462$0$5,528,058
66$18,541,071$983,380$0$5,996,415
67$20,352,170$951,475$0$6,518,739
68$22,345,479$915,485$0$7,093,204
69$24,539,503$875,129$0$7,725,176
70$26,954,633$830,111$0$8,420,572
71$29,613,337$780,118$0$9,185,920
72$32,540,373$724,820$0$10,028,418
73$35,763,021$663,866$0$10,956,008
74$39,311,341$596,887$0$11,977,444
75$43,218,454$523,491$0$13,102,387
76$47,520,860$443,265$0$14,341,486
77$52,258,776$355,773$0$15,706,489
78$57,476,519$260,554$0$17,210,347
79$63,222,923$157,121$0$18,867,345
80$69,551,800$44,959$0$20,693,235
81$76,522,448$0$0$22,705,386
82$84,200,206$0$0$24,963,344
83$92,657,079$0$0$27,476,780
84$101,972,409$0$0$30,245,552
85$112,233,629$0$0$33,295,673
86$123,537,083$0$0$36,655,806
87$135,988,943$0$0$40,357,538
88$149,706,201$0$0$44,435,675
89$164,817,780$0$0$48,928,576
90$181,465,750$0$0$53,878,506
91$199,806,664$0$0$59,332,045
92$220,013,040$0$0$65,340,520
93$242,274,989$0$0$71,960,492
94$266,802,005$0$0$79,254,291
95$293,824,950$0$0$87,290,604
96$323,598,222$0$0$96,145,120
97$356,402,167$0$0$105,901,249
98$392,545,717$0$0$116,650,908
99$432,369,311$0$0$128,495,385
100$476,248,105$0$0$141,546,300