Can I retire at age 30 with 825,000?

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 $825,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$68,128$67,521$66,929$66,351$65,787$65,427
2 years$33,727$33,098$32,490$31,899$31,327$30,964
3 years$22,261$21,630$21,023$20,438$19,875$19,520
4 years$16,529$15,900$15,299$14,725$14,175$13,831
5 years$13,091$12,466$11,873$11,310$10,776$10,443
6 years$10,800$10,180$9,595$9,045$8,526$8,206
7 years$9,164$8,549$7,974$7,436$6,934$6,626
8 years$7,938$7,328$6,762$6,238$5,753$5,457
9 years$6,984$6,380$5,824$5,313$4,845$4,561
10 years$6,222$5,624$5,078$4,580$4,128$3,856
11 years$5,599$5,007$4,470$3,986$3,550$3,291
12 years$5,080$4,494$3,967$3,496$3,076$2,829
13 years$4,641$4,061$3,545$3,087$2,683$2,447
14 years$4,265$3,691$3,185$2,740$2,352$2,127
15 years$3,940$3,372$2,875$2,444$2,071$1,857
16 years$3,655$3,094$2,607$2,188$1,830$1,627
17 years$3,404$2,849$2,372$1,966$1,623$1,430
18 years$3,182$2,633$2,166$1,772$1,443$1,260
19 years$2,983$2,440$1,982$1,601$1,286$1,113
20 years$2,804$2,267$1,819$1,450$1,149$985
21 years$2,642$2,112$1,674$1,316$1,028$873
22 years$2,496$1,972$1,542$1,196$921$775
23 years$2,362$1,844$1,424$1,090$827$689
24 years$2,239$1,728$1,317$994$743$613
25 years$2,127$1,621$1,220$908$669$546
26 years$2,023$1,524$1,131$830$603$487
27 years$1,928$1,434$1,051$760$543$435
28 years$1,839$1,351$977$696$490$388
29 years$1,756$1,275$909$638$443$347
30 years$1,679$1,204$847$586$400$310
31 years$1,608$1,138$789$538$362$278
32 years$1,540$1,077$736$494$327$249
33 years$1,477$1,020$688$455$296$223
34 years$1,418$967$642$418$268$199
35 years$1,363$917$601$385$243$179
36 years$1,310$870$562$355$220$160
37 years$1,261$826$526$327$199$144
38 years$1,214$785$492$301$181$129
39 years$1,170$747$461$278$164$115
40 years$1,128$711$432$256$149$104
41 years$1,088$676$406$236$135$93
42 years$1,050$644$380$218$122$83
43 years$1,014$614$357$201$111$75
44 years$980$585$335$186$101$67
45 years$948$558$315$172$92$60
46 years$917$532$295$159$83$54
47 years$887$508$278$147$75$49
48 years$859$485$261$135$69$44
49 years$831$463$245$125$62$39
50 years$805$442$231$116$57$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $825,000, adding $4,934 every year, while hoping to spend $26,862 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: 50/28/22 Blend
29$825,000$825,000$825,000$825,000
30$914,239$870,514$857,727$954,088
31$978,911$884,589$857,880$996,318
32$1,049,279$898,452$857,138$1,039,059
33$1,125,895$912,066$855,442$1,084,954
34$1,209,368$925,390$852,731$1,134,314
35$1,300,368$938,378$848,942$1,187,480
36$1,399,631$950,984$844,006$1,244,827
37$1,507,966$963,155$837,854$1,306,772
38$1,626,268$974,839$830,411$1,373,774
39$1,755,518$985,977$821,600$1,446,339
40$1,896,798$996,506$811,341$1,525,028
41$2,051,297$1,006,361$799,547$1,610,456
42$2,220,329$1,015,472$786,131$1,703,306
43$2,405,335$1,023,763$770,999$1,804,330
44$2,607,905$1,031,153$754,054$1,914,359
45$2,829,790$1,037,559$735,193$2,034,308
46$3,072,918$1,042,888$714,311$2,165,189
47$3,339,411$1,047,045$691,296$2,308,118
48$3,631,608$1,049,927$666,032$2,464,327
49$3,952,083$1,051,425$638,395$2,635,175
50$4,303,674$1,051,423$608,259$2,822,163
51$4,689,504$1,049,798$575,491$3,026,944
52$5,113,014$1,046,419$539,951$3,251,346
53$5,577,996$1,041,148$501,494$3,497,383
54$6,088,625$1,033,837$459,967$3,767,278
55$6,649,500$1,024,331$415,212$4,063,485
56$7,265,690$1,012,464$367,062$4,388,709
57$7,942,776$998,060$315,344$4,745,934
58$8,686,908$980,935$259,877$5,138,455
59$9,504,862$960,890$200,472$5,569,903
60$10,404,102$937,717$136,932$6,044,285
61$11,392,851$911,196$69,050$6,566,022
62$12,480,170$881,093$0$7,139,986
63$13,676,040$847,159$0$7,772,353
64$14,991,461$809,135$0$8,485,604
65$16,438,549$766,741$0$9,270,108
66$18,030,656$719,686$0$10,133,137
67$19,782,492$667,660$0$11,082,704
68$21,710,265$610,335$0$12,127,642
69$23,831,836$547,364$0$13,277,691
70$26,166,880$478,383$0$14,543,585
71$28,737,082$403,003$0$15,937,157
72$31,566,331$320,817$0$17,471,451
73$34,680,953$231,393$0$19,160,843
74$38,109,954$134,275$0$21,021,183
75$41,885,297$28,982$0$23,069,940
76$46,042,201$0$0$25,326,369
77$50,619,474$0$0$27,837,885
78$55,659,879$0$0$30,613,465
79$61,210,538$0$0$33,670,141
80$67,323,375$0$0$37,036,523
81$74,055,607$0$0$40,744,135
82$81,470,281$0$0$44,827,715
83$89,636,873$0$0$49,325,541
84$98,631,942$0$0$54,279,796
85$108,539,849$0$0$59,736,961
86$119,453,557$0$0$65,748,257
87$131,475,506$0$0$72,370,125
88$144,718,582$0$0$79,664,764
89$159,307,177$0$0$87,700,712
90$175,378,369$0$0$96,553,497
91$193,083,212$0$0$106,306,345
92$212,588,160$0$0$117,050,973
93$234,076,642$0$0$128,888,446
94$257,750,791$0$0$141,930,136
95$283,833,350$0$0$156,298,774
96$312,569,778$0$0$172,129,604
97$344,230,562$0$0$189,571,661
98$379,113,774$0$0$208,789,181
99$417,547,883$0$0$229,963,146
100$459,894,852$0$0$253,292,995