Can I retire at age 30 with 852,000?

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 $852,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$70,357$69,731$69,119$68,522$67,940$66,030
2 years$34,830$34,182$33,553$32,943$32,352$30,442
3 years$22,990$22,338$21,711$21,107$20,526$18,676
4 years$17,070$16,421$15,800$15,207$14,639$12,864
5 years$13,520$12,874$12,262$11,680$11,128$9,432
6 years$11,153$10,513$9,909$9,341$8,805$7,190
7 years$9,464$8,829$8,235$7,679$7,161$5,626
8 years$8,197$7,568$6,984$6,442$5,941$4,486
9 years$7,213$6,589$6,015$5,487$5,003$3,627
10 years$6,425$5,808$5,244$4,730$4,263$2,963
11 years$5,782$5,170$4,617$4,117$3,666$2,441
12 years$5,246$4,641$4,097$3,611$3,177$2,024
13 years$4,793$4,194$3,661$3,188$2,770$1,687
14 years$4,405$3,812$3,289$2,830$2,429$1,412
15 years$4,068$3,482$2,970$2,524$2,138$1,187
16 years$3,775$3,195$2,692$2,260$1,890$1,000
17 years$3,516$2,943$2,450$2,030$1,676$844
18 years$3,286$2,719$2,236$1,830$1,490$714
19 years$3,080$2,520$2,047$1,653$1,328$605
20 years$2,896$2,342$1,879$1,497$1,186$514
21 years$2,729$2,181$1,728$1,359$1,062$437
22 years$2,577$2,036$1,593$1,236$951$371
23 years$2,439$1,904$1,471$1,125$854$316
24 years$2,313$1,784$1,360$1,026$768$269
25 years$2,197$1,674$1,260$937$691$230
26 years$2,090$1,574$1,168$857$622$196
27 years$1,991$1,481$1,085$784$561$167
28 years$1,899$1,396$1,009$719$506$143
29 years$1,814$1,317$939$659$457$122
30 years$1,734$1,243$874$605$413$104
31 years$1,660$1,175$815$556$373$89
32 years$1,591$1,112$760$511$338$76
33 years$1,526$1,053$710$469$306$65
34 years$1,465$998$663$432$277$55
35 years$1,407$947$620$398$251$47
36 years$1,353$899$580$366$227$41
37 years$1,302$853$543$337$206$35
38 years$1,254$811$509$311$187$30
39 years$1,208$771$476$287$169$25
40 years$1,165$734$447$265$154$22
41 years$1,124$699$419$244$139$19
42 years$1,085$665$393$225$126$16
43 years$1,048$634$369$208$115$14
44 years$1,012$604$346$192$104$12
45 years$979$576$325$177$95$10
46 years$947$550$305$164$86$8
47 years$916$525$287$151$78$7
48 years$887$501$269$140$71$6
49 years$859$478$253$129$64$5
50 years$832$457$238$119$58$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $852,000, adding $2,957 every year, while hoping to spend $26,459 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: 45/32/23 Blend
29$852,000$852,000$852,000$852,000
30$941,954$896,798$883,592$977,975
31$1,009,881$912,589$885,040$1,019,467
32$1,083,850$928,267$885,650$1,061,617
33$1,164,449$943,798$885,366$1,106,796
34$1,252,326$959,147$884,128$1,155,297
35$1,348,193$974,275$881,876$1,207,448
36$1,452,834$989,140$878,545$1,263,607
37$1,567,113$1,003,698$874,066$1,324,172
38$1,691,980$1,017,901$868,369$1,389,581
39$1,828,482$1,031,698$861,379$1,460,319
40$1,977,771$1,045,035$853,019$1,536,919
41$2,141,115$1,057,853$843,206$1,619,973
42$2,319,911$1,070,090$831,856$1,710,131
43$2,515,696$1,081,679$818,878$1,808,113
44$2,730,165$1,092,549$804,178$1,914,712
45$2,965,183$1,102,625$787,659$2,030,805
46$3,222,804$1,111,825$769,217$2,157,359
47$3,505,289$1,120,065$748,746$2,295,441
48$3,815,132$1,127,251$726,132$2,446,230
49$4,155,076$1,133,287$701,258$2,611,026
50$4,528,145$1,138,069$674,002$2,791,264
51$4,937,668$1,141,487$644,233$2,988,528
52$5,387,314$1,143,423$611,818$3,204,567
53$5,881,123$1,143,754$576,617$3,441,308
54$6,423,545$1,142,346$538,482$3,700,879
55$7,019,485$1,139,059$497,259$3,985,629
56$7,674,344$1,133,745$452,789$4,298,148
57$8,394,074$1,126,244$404,904$4,641,295
58$9,185,229$1,116,390$353,428$5,018,223
59$10,055,034$1,104,004$298,179$5,432,410
60$11,011,445$1,088,898$238,966$5,887,695
61$12,063,230$1,070,872$175,589$6,388,310
62$13,220,049$1,049,714$107,841$6,938,926
63$14,492,544$1,025,201$35,503$7,544,693
64$15,892,441$997,093$0$8,211,293
65$17,432,660$965,140$0$8,955,225
66$19,127,436$929,077$0$9,783,129
67$20,992,453$888,620$0$10,693,968
68$23,044,993$843,473$0$11,696,212
69$25,304,099$793,319$0$12,799,197
70$27,790,752$737,827$0$14,013,215
71$30,528,071$676,643$0$15,349,612
72$33,541,531$609,394$0$16,820,896
73$36,859,200$535,688$0$18,440,854
74$40,512,010$455,108$0$20,224,684
75$44,534,041$367,214$0$22,189,138
76$48,962,848$271,542$0$24,352,684
77$53,839,812$167,602$0$26,735,677
78$59,210,534$54,876$0$29,360,556
79$65,125,261$0$0$32,252,054
80$71,639,359$0$0$35,461,092
81$78,813,842$0$0$39,016,875
82$86,715,942$0$0$42,933,418
83$95,419,743$0$0$47,247,459
84$105,006,883$0$0$51,999,479
85$115,567,323$0$0$57,234,088
86$127,200,194$0$0$63,000,443
87$140,014,736$0$0$69,352,713
88$154,131,324$0$0$76,350,590
89$169,682,610$0$0$84,059,855
90$186,814,769$0$0$92,552,991
91$205,688,881$0$0$101,909,877
92$226,482,451$0$0$112,218,534
93$249,391,084$0$0$123,575,960
94$274,630,331$0$0$136,089,045
95$302,437,725$0$0$149,875,577
96$333,075,018$0$0$165,065,357
97$366,830,657$0$0$181,801,423
98$404,022,505$0$0$200,241,398
99$445,000,837$0$0$220,558,982
100$490,151,651$0$0$242,945,588