Can I retire at age 41 with 1,450,000?

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 $1,450,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$119,740$118,673$117,632$116,617$115,625$112,194
2 years$59,277$58,173$57,103$56,066$55,060$51,631
3 years$39,125$38,017$36,950$35,922$34,932$31,613
4 years$29,052$27,946$26,890$25,880$24,914$21,731
5 years$23,009$21,910$20,868$19,878$18,939$15,900
6 years$18,982$17,891$16,864$15,897$14,986$12,094
7 years$16,106$15,025$14,014$13,070$12,188$9,443
8 years$13,951$12,879$11,885$10,964$10,111$7,511
9 years$12,275$11,214$10,237$9,339$8,515$6,058
10 years$10,935$9,884$8,925$8,050$7,255$4,937
11 years$9,840$8,799$7,857$7,006$6,239$4,057
12 years$8,928$7,898$6,973$6,145$5,407$3,355
13 years$8,156$7,137$6,230$5,425$4,715$2,789
14 years$7,496$6,488$5,598$4,816$4,133$2,328
15 years$6,924$5,927$5,054$4,295$3,639$1,950
16 years$6,424$5,438$4,582$3,846$3,216$1,638
17 years$5,983$5,008$4,169$3,455$2,852$1,380
18 years$5,592$4,627$3,806$3,114$2,536$1,164
19 years$5,242$4,289$3,484$2,814$2,260$984
20 years$4,928$3,985$3,198$2,548$2,019$832
21 years$4,644$3,712$2,941$2,313$1,807$705
22 years$4,386$3,465$2,711$2,103$1,619$598
23 years$4,151$3,241$2,503$1,915$1,454$507
24 years$3,936$3,036$2,315$1,747$1,307$431
25 years$3,738$2,850$2,144$1,595$1,176$366
26 years$3,556$2,678$1,989$1,459$1,059$311
27 years$3,388$2,520$1,846$1,335$955$265
28 years$3,232$2,375$1,717$1,223$862$225
29 years$3,087$2,241$1,597$1,122$778$192
30 years$2,952$2,116$1,488$1,029$703$163
31 years$2,825$2,000$1,387$945$635$139
32 years$2,707$1,893$1,294$869$575$118
33 years$2,597$1,792$1,208$799$520$101
34 years$2,493$1,699$1,129$735$471$86
35 years$2,395$1,611$1,056$677$427$73
36 years$2,303$1,529$988$623$387$62
37 years$2,216$1,453$924$574$350$53
38 years$2,134$1,380$866$529$318$45
39 years$2,056$1,313$811$488$288$39
40 years$1,982$1,249$760$450$261$33
41 years$1,912$1,189$713$415$237$28
42 years$1,846$1,132$669$383$215$24
43 years$1,783$1,079$627$354$195$20
44 years$1,723$1,028$589$327$177$17
45 years$1,666$981$553$302$161$15
46 years$1,611$935$519$279$146$13
47 years$1,559$893$488$257$133$11
48 years$1,509$852$458$238$120$9
49 years$1,461$814$431$220$109$8
50 years$1,416$777$405$203$99$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,450,000, adding $3,305 every year, while hoping to spend $34,987 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: 54/41/5 Blend
40$1,450,000$1,450,000$1,450,000$1,450,000
41$1,601,309$1,524,459$1,501,984$1,685,915
42$1,727,417$1,561,932$1,515,075$1,780,874
43$1,865,215$1,600,068$1,527,431$1,880,006
44$2,015,859$1,638,863$1,538,992$1,987,027
45$2,180,620$1,678,312$1,549,693$2,102,689
46$2,360,901$1,718,406$1,559,465$2,227,818
47$2,558,243$1,759,138$1,568,236$2,363,326
48$2,774,344$1,800,496$1,575,933$2,510,214
49$3,011,075$1,842,469$1,582,475$2,669,587
50$3,270,496$1,885,041$1,587,779$2,842,659
51$3,554,875$1,928,196$1,591,758$3,030,769
52$3,866,710$1,971,916$1,594,320$3,235,391
53$4,208,754$2,016,179$1,595,369$3,458,148
54$4,584,037$2,060,961$1,594,803$3,700,829
55$4,995,897$2,106,237$1,592,518$3,965,404
56$5,448,012$2,151,976$1,588,400$4,254,043
57$5,944,432$2,198,146$1,582,335$4,569,136
58$6,489,621$2,244,712$1,574,200$4,913,317
59$7,088,492$2,291,633$1,563,865$5,289,487
60$7,746,462$2,338,866$1,551,198$5,700,845
61$8,469,495$2,386,365$1,536,058$6,150,911
62$9,264,164$2,434,077$1,518,296$6,643,568
63$10,137,708$2,481,946$1,497,759$7,183,091
64$11,098,105$2,529,912$1,474,284$7,774,194
65$12,154,143$2,577,909$1,447,704$8,422,068
66$13,315,503$2,625,864$1,417,839$9,132,436
67$14,592,854$2,673,701$1,384,506$9,911,603
68$15,997,948$2,721,336$1,347,510$10,766,518
69$17,543,735$2,768,678$1,306,649$11,704,837
70$19,244,484$2,815,631$1,261,709$12,734,998
71$21,115,915$2,862,090$1,212,470$13,866,301
72$23,175,349$2,907,943$1,158,699$15,108,993
73$25,441,872$2,953,070$1,100,153$16,474,367
74$27,936,514$2,997,341$1,036,578$17,974,870
75$30,682,445$3,040,618$967,711$19,624,216
76$33,705,199$3,082,752$893,273$21,437,522
77$37,032,907$3,123,585$812,976$23,431,446
78$40,696,569$3,162,947$726,516$25,624,346
79$44,730,344$3,200,656$633,579$28,036,456
80$49,171,870$3,236,518$533,835$30,690,072
81$54,062,620$3,270,328$426,938$33,609,770
82$59,448,297$3,301,863$312,530$36,822,632
83$65,379,258$3,330,889$190,235$40,358,504
84$71,910,996$3,357,156$59,660$44,250,281
85$79,104,656$3,380,396$0$48,534,215
86$87,027,620$3,400,324$0$53,254,509
87$95,754,137$3,416,640$0$58,454,618
88$105,366,024$3,429,020$0$64,179,903
89$115,953,440$3,437,123$0$70,483,871
90$127,615,735$3,440,586$0$77,425,485
91$140,462,387$3,439,023$0$85,069,730
92$154,614,039$3,432,023$0$93,488,219
93$170,203,630$3,419,151$0$102,759,876
94$187,377,657$3,399,946$0$112,971,680
95$206,297,553$3,373,918$0$124,219,484
96$227,141,209$3,340,546$0$136,608,928
97$250,104,660$3,299,281$0$150,256,428
98$275,403,927$3,249,537$0$165,290,284
99$303,277,060$3,190,697$0$181,851,888
100$333,986,383$3,122,104$0$200,097,064