Retirement Savings Starting at 30: $500/Month for 35 Years
See how much you'll have at retirement if you save $500 per month starting at age 30 with a 7% annual return over 35 years.
How to use this tool
- Enter current retirement savings, monthly contribution, expected annual return and years until retirement in the fields above.
- Results update instantly as you type — or click Calculate.
- Read your projected nest egg and the full breakdown beneath it.
Starting to save $500 a month at age 30 with a 7% annual return gives your money 35 years to grow into a substantial nest egg.
Frequently asked questions
- What is the 4% rule?
- Research suggests retirees can withdraw 4% of their portfolio in year one, then adjust for inflation annually, with a high probability of the portfolio lasting 30+ years. It's a useful estimate, not a guarantee.
- What return rate should I assume?
- A diversified stock/bond portfolio has historically returned 6-7% after inflation over long periods. Use 5-7% for planning; stress-test with 3-4%.