$5,000 for 30 years at returns from 4% to 10%
| Return | Balance | Multiple | In today’s dollars |
|---|---|---|---|
| 4% | $16,217 | 3.2× | $6,681 |
| 5% | $21,610 | 4.3× | $8,903 |
| 6% | $28,717 | 5.7× | $11,831 |
| 7% | $38,061 | 7.6× | $15,681 |
| 8% | $50,313 | 10.1× | $20,728 |
| 10% | $87,247 | 17.4× | $35,945 |
Year by year at 7%
| Year | Put in so far | Balance | In today’s dollars |
|---|---|---|---|
| 1 | $5,000 | $5,350 | $5,194 |
| 2 | $5,000 | $5,725 | $5,396 |
| 3 | $5,000 | $6,125 | $5,605 |
| 5 | $5,000 | $7,013 | $6,049 |
| 10 | $5,000 | $9,836 | $7,319 |
| 15 | $5,000 | $13,795 | $8,855 |
| 20 | $5,000 | $19,348 | $10,713 |
| 25 | $5,000 | $27,137 | $12,961 |
| 30 | $5,000 | $38,061 | $15,681 |
The range in 1,000 simulated markets
A 7% average does not arrive as 7% every year. In 1,000 simulated sequences of returns averaging 7% with 12% volatility, this is where $5,000 ended up: 1 in 10 markets finished below the first figure, half below the middle one, and 1 in 10 above the last.
| After | Weak (1 in 10 lower) | Middle | Strong (1 in 10 higher) |
|---|---|---|---|
| 15 years | $6,929 | $12,688 | $21,621 |
| 30 years | $13,921 | $31,494 | $70,206 |
The middle of the simulation sits below the steady 7% figure of $38,061 because ups and downs cost compounding: a 20% loss needs a 25% gain to get back.
What $38,061 would pay in retirement
At a 4% first-year withdrawal, $38,061 pays about $1,522 a year, $127 a month, before tax; in today’s dollars that is about $627 a year. How long a balance near it lasts at each withdrawal: how long $100,000 lasts. To stop saving early and let growth do the rest, see Coast FIRE numbers by age.
$5,000 for other terms
| Years | Balance | In today’s dollars |
|---|---|---|
| $5,000 for 5 years | $7,013 | $6,049 |
| $5,000 for 10 years | $9,836 | $7,319 |
| $5,000 for 15 years | $13,795 | $8,855 |
| $5,000 for 20 years | $19,348 | $10,713 |
| $5,000 for 25 years | $27,137 | $12,961 |
| 30 years | $38,061 | $15,681 |
| $5,000 for 40 years | $74,872 | $22,953 |
| $5,000 for 50 years | $147,285 | $33,597 |
Other amounts for 30 years
$1,000: $7,612, $10,000: $76,123, $20,000: $152,245, $25,000: $190,306, $50,000: $380,613, $100,000: $761,226, $200,000: $1,522,451, $250,000: $1,903,064, $500,000: $3,806,128, $1,000,000: $7,612,255, $2,000,000: $15,224,510.
How it is worked out
Monthly amounts are deposited at the end of each month and compounded monthly at the rate that equals the annual return; lump sums compound once a year. The headline return is 7% a year, the Trinity-style average the site’s retirement pages use; stock-heavy portfolios have averaged more over long periods and bond-heavy ones less, which is why every page shows 4% to 10%. Today’s dollars divide by 3% inflation a year. The range comes from 1,000 simulated sequences of yearly returns averaging 7% with 12% volatility, with each year’s deposits added through the year. Fees and taxes are not taken out. More on the methodology page.