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%13.5%
1 years$119,740$118,673$117,632$116,617$115,625$113,944
2 years$59,277$58,173$57,103$56,066$55,060$53,370
3 years$39,125$38,017$36,950$35,922$34,932$33,286
4 years$29,052$27,946$26,890$25,880$24,914$23,324
5 years$23,009$21,910$20,868$19,878$18,939$17,410
6 years$18,982$17,891$16,864$15,897$14,986$13,519
7 years$16,106$15,025$14,014$13,070$12,188$10,784
8 years$13,951$12,879$11,885$10,964$10,111$8,770
9 years$12,275$11,214$10,237$9,339$8,515$7,236
10 years$10,935$9,884$8,925$8,050$7,255$6,038
11 years$9,840$8,799$7,857$7,006$6,239$5,082
12 years$8,928$7,898$6,973$6,145$5,407$4,308
13 years$8,156$7,137$6,230$5,425$4,715$3,674
14 years$7,496$6,488$5,598$4,816$4,133$3,147
15 years$6,924$5,927$5,054$4,295$3,639$2,707
16 years$6,424$5,438$4,582$3,846$3,216$2,336
17 years$5,983$5,008$4,169$3,455$2,852$2,022
18 years$5,592$4,627$3,806$3,114$2,536$1,754
19 years$5,242$4,289$3,484$2,814$2,260$1,525
20 years$4,928$3,985$3,198$2,548$2,019$1,328
21 years$4,644$3,712$2,941$2,313$1,807$1,158
22 years$4,386$3,465$2,711$2,103$1,619$1,011
23 years$4,151$3,241$2,503$1,915$1,454$884
24 years$3,936$3,036$2,315$1,747$1,307$773
25 years$3,738$2,850$2,144$1,595$1,176$677
26 years$3,556$2,678$1,989$1,459$1,059$594
27 years$3,388$2,520$1,846$1,335$955$521
28 years$3,232$2,375$1,717$1,223$862$457
29 years$3,087$2,241$1,597$1,122$778$401
30 years$2,952$2,116$1,488$1,029$703$352
31 years$2,825$2,000$1,387$945$635$310
32 years$2,707$1,893$1,294$869$575$272
33 years$2,597$1,792$1,208$799$520$239
34 years$2,493$1,699$1,129$735$471$210
35 years$2,395$1,611$1,056$677$427$185
36 years$2,303$1,529$988$623$387$163
37 years$2,216$1,453$924$574$350$143
38 years$2,134$1,380$866$529$318$126
39 years$2,056$1,313$811$488$288$111
40 years$1,982$1,249$760$450$261$98
41 years$1,912$1,189$713$415$237$86
42 years$1,846$1,132$669$383$215$76
43 years$1,783$1,079$627$354$195$67
44 years$1,723$1,028$589$327$177$59
45 years$1,666$981$553$302$161$52
46 years$1,611$935$519$279$146$46
47 years$1,559$893$488$257$133$40
48 years$1,509$852$458$238$120$35
49 years$1,461$814$431$220$109$31
50 years$1,416$777$405$203$99$27

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 $3,078 every year, while hoping to spend $36,464 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: 71/24/5 Blend
40$1,450,000$1,450,000$1,450,000$1,450,000
41$1,601,075$1,524,225$1,501,750$1,713,782
42$1,725,587$1,560,115$1,513,261$1,824,437
43$1,861,578$1,596,541$1,523,936$1,940,666
44$2,010,178$1,633,491$1,533,708$2,066,850
45$2,172,636$1,670,952$1,542,506$2,203,957
46$2,350,323$1,708,906$1,550,259$2,353,055
47$2,544,751$1,747,338$1,556,887$2,515,315
48$2,757,583$1,786,225$1,562,310$2,692,033
49$2,990,652$1,825,545$1,566,443$2,884,630
50$3,245,976$1,865,274$1,569,196$3,094,675
51$3,525,776$1,905,383$1,570,475$3,323,895
52$3,832,500$1,945,842$1,570,181$3,574,191
53$4,168,844$1,986,617$1,568,211$3,847,660
54$4,537,776$2,027,671$1,564,456$4,146,609
55$4,942,565$2,068,964$1,558,801$4,473,580
56$5,386,815$2,110,450$1,551,129$4,831,375
57$5,874,491$2,152,083$1,541,313$5,223,079
58$6,409,964$2,193,810$1,529,221$5,652,091
59$6,998,047$2,235,575$1,514,718$6,122,157
60$7,644,045$2,277,315$1,497,658$6,637,403
61$8,353,799$2,318,964$1,477,891$7,202,377
62$9,133,745$2,360,452$1,455,258$7,822,086
63$9,990,972$2,401,700$1,429,595$8,502,052
64$10,933,293$2,442,624$1,400,728$9,248,355
65$11,969,313$2,483,137$1,368,476$10,067,698
66$13,108,512$2,523,140$1,332,650$10,967,464
67$14,361,338$2,562,531$1,293,050$11,955,792
68$15,739,297$2,601,199$1,249,471$13,041,646
69$17,255,072$2,639,023$1,201,694$14,234,907
70$18,922,632$2,675,878$1,149,494$15,546,463
71$20,757,371$2,711,627$1,092,632$16,988,311
72$22,776,249$2,746,122$1,030,862$18,573,672
73$24,997,953$2,779,210$963,923$20,317,115
74$27,443,076$2,810,722$891,545$22,234,696
75$30,134,303$2,840,481$813,446$24,344,105
76$33,096,635$2,868,298$729,329$26,664,841
77$36,357,617$2,893,969$638,887$29,218,389
78$39,947,600$2,917,280$541,796$32,028,426
79$43,900,029$2,938,001$437,720$35,121,045
80$48,251,756$2,955,886$326,307$38,524,999
81$53,043,387$2,970,677$207,190$42,271,976
82$58,319,668$2,982,096$79,987$46,396,898
83$64,129,905$2,989,849$0$50,938,246
84$70,528,426$2,993,623$0$55,941,404
85$77,575,101$2,993,086$0$61,454,882
86$85,335,900$2,987,885$0$67,525,935
87$93,883,516$2,977,646$0$74,211,347
88$103,298,055$2,961,971$0$81,573,693
89$113,667,787$2,940,438$0$89,681,931
90$125,089,981$2,912,599$0$98,612,055
91$137,671,824$2,877,981$0$108,447,810
92$151,531,428$2,836,081$0$119,281,484
93$166,798,951$2,786,366$0$131,214,780
94$183,617,817$2,728,271$0$144,359,774
95$202,146,077$2,661,198$0$158,839,978
96$222,557,895$2,584,516$0$174,791,504
97$245,045,196$2,497,552$0$192,364,347
98$269,819,472$2,399,599$0$211,723,806
99$297,113,785$2,289,906$0$233,052,043
100$327,184,958$2,167,679$0$256,549,803