Can I retire at age 41 with 1,150,000?

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 $1,150,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$94,966$94,120$93,295$92,489$91,703$89,486
2 years$47,013$46,137$45,289$44,466$43,668$41,448
3 years$31,031$30,151$29,305$28,490$27,705$25,551
4 years$23,041$22,164$21,326$20,525$19,759$17,688
5 years$18,248$17,377$16,550$15,765$15,021$13,038
6 years$15,055$14,190$13,375$12,608$11,885$9,993
7 years$12,774$11,916$11,115$10,365$9,666$7,864
8 years$11,064$10,215$9,426$8,695$8,019$6,307
9 years$9,735$8,894$8,119$7,407$6,753$5,130
10 years$8,673$7,839$7,078$6,384$5,754$4,218
11 years$7,804$6,979$6,231$5,556$4,949$3,497
12 years$7,081$6,264$5,530$4,874$4,288$2,919
13 years$6,469$5,661$4,941$4,303$3,739$2,449
14 years$5,945$5,145$4,439$3,820$3,278$2,065
15 years$5,491$4,700$4,008$3,406$2,886$1,747
16 years$5,095$4,313$3,634$3,050$2,551$1,482
17 years$4,745$3,972$3,307$2,740$2,262$1,261
18 years$4,435$3,670$3,019$2,470$2,011$1,075
19 years$4,158$3,401$2,763$2,232$1,792$918
20 years$3,908$3,161$2,536$2,021$1,601$785
21 years$3,683$2,944$2,333$1,834$1,433$672
22 years$3,479$2,748$2,150$1,668$1,284$576
23 years$3,292$2,570$1,985$1,519$1,153$494
24 years$3,122$2,408$1,836$1,385$1,036$425
25 years$2,965$2,260$1,700$1,265$932$365
26 years$2,820$2,124$1,577$1,157$840$314
27 years$2,687$1,999$1,464$1,059$757$270
28 years$2,563$1,884$1,361$970$683$232
29 years$2,448$1,777$1,267$890$617$200
30 years$2,341$1,678$1,180$816$557$172
31 years$2,241$1,586$1,100$750$504$148
32 years$2,147$1,501$1,026$689$456$128
33 years$2,059$1,422$958$634$413$110
34 years$1,977$1,347$895$583$374$95
35 years$1,900$1,278$837$537$338$82
36 years$1,826$1,213$783$494$307$71
37 years$1,758$1,152$733$455$278$61
38 years$1,692$1,095$686$420$252$52
39 years$1,631$1,041$643$387$228$45
40 years$1,572$990$603$357$207$39
41 years$1,517$943$565$329$188$34
42 years$1,464$898$530$304$171$29
43 years$1,414$856$498$281$155$25
44 years$1,366$816$467$259$141$22
45 years$1,321$778$439$239$128$19
46 years$1,278$742$412$221$116$16
47 years$1,236$708$387$204$105$14
48 years$1,197$676$364$189$96$12
49 years$1,159$645$342$174$87$10
50 years$1,123$617$321$161$79$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,150,000, adding $4,887 every year, while hoping to spend $40,743 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: 47/31/22 Blend
40$1,150,000$1,150,000$1,150,000$1,150,000
41$1,272,341$1,211,391$1,193,566$1,323,954
42$1,358,769$1,227,399$1,190,200$1,376,571
43$1,452,648$1,242,826$1,185,356$1,429,206
44$1,554,694$1,257,600$1,178,941$1,485,505
45$1,665,696$1,271,645$1,170,859$1,545,829
46$1,786,521$1,284,880$1,161,006$1,610,578
47$1,918,124$1,297,217$1,149,278$1,680,195
48$2,061,556$1,308,564$1,135,563$1,755,169
49$2,217,974$1,318,823$1,119,743$1,836,038
50$2,388,649$1,327,887$1,101,696$1,923,402
51$2,574,983$1,335,646$1,081,295$2,017,920
52$2,778,519$1,341,979$1,058,406$2,120,321
53$3,000,952$1,346,761$1,032,887$2,231,413
54$3,244,154$1,349,856$1,004,593$2,352,085
55$3,510,180$1,351,122$973,370$2,483,323
56$3,801,298$1,350,406$939,057$2,626,214
57$4,120,001$1,347,548$901,486$2,781,960
58$4,469,038$1,342,374$860,483$2,951,888
59$4,851,434$1,334,705$815,863$3,137,465
60$5,270,521$1,324,346$767,435$3,340,310
61$5,729,968$1,311,092$714,998$3,562,212
62$6,233,817$1,294,728$658,343$3,805,146
63$6,786,520$1,275,023$597,251$4,071,294
64$7,392,979$1,251,734$531,493$4,363,063
65$8,058,595$1,224,601$460,830$4,683,113
66$8,789,318$1,193,352$385,014$5,034,379
67$9,591,699$1,157,698$303,783$5,420,104
68$10,472,959$1,117,331$216,866$5,843,863
69$11,441,049$1,071,928$123,979$6,309,607
70$12,504,729$1,021,145$24,825$6,821,693
71$13,673,650$964,620$0$7,384,932
72$14,958,444$901,969$0$8,023,645
73$16,370,825$832,785$0$8,732,132
74$17,923,697$756,640$0$9,511,105
75$19,631,279$673,079$0$10,367,779
76$21,509,233$581,624$0$11,310,110
77$23,574,819$481,768$0$12,346,873
78$25,847,052$372,976$0$13,487,741
79$28,346,882$254,683$0$14,743,381
80$31,097,393$126,291$0$16,125,554
81$34,124,019$0$0$17,647,228
82$37,454,783$0$0$19,327,076
83$41,120,563$0$0$21,223,454
84$45,155,383$0$0$23,310,901
85$49,596,731$0$0$25,608,832
86$54,485,915$0$0$28,138,638
87$59,868,451$0$0$30,923,891
88$65,794,491$0$0$33,990,567
89$72,319,301$0$0$37,367,286
90$79,503,776$0$0$41,085,585
91$87,415,016$0$0$45,180,215
92$96,126,960$0$0$49,689,471
93$105,721,085$0$0$54,655,548
94$116,287,170$0$0$60,124,945
95$127,924,145$0$0$66,148,898
96$140,741,025$0$0$72,783,866
97$154,857,939$0$0$80,092,067
98$170,407,260$0$0$88,142,058
99$187,534,856$0$0$97,009,387
100$206,401,469$0$0$106,777,304