Can I retire at age 41 with 1,470,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $1,470,000?

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$121,391$120,310$119,255$118,225$117,220$115,516
2 years$60,095$58,975$57,891$56,839$55,819$54,106
3 years$39,665$38,541$37,459$36,417$35,414$33,745
4 years$29,452$28,332$27,261$26,237$25,257$23,645
5 years$23,326$22,212$21,155$20,152$19,200$17,650
6 years$19,244$18,138$17,097$16,116$15,193$13,705
7 years$16,329$15,232$14,207$13,250$12,356$10,932
8 years$14,143$13,057$12,049$11,115$10,250$8,891
9 years$12,444$11,368$10,378$9,467$8,632$7,336
10 years$11,086$10,021$9,048$8,161$7,355$6,121
11 years$9,976$8,921$7,965$7,103$6,326$5,152
12 years$9,051$8,007$7,069$6,230$5,482$4,368
13 years$8,269$7,236$6,316$5,500$4,780$3,724
14 years$7,599$6,577$5,675$4,882$4,190$3,191
15 years$7,020$6,008$5,124$4,354$3,689$2,744
16 years$6,513$5,513$4,645$3,899$3,261$2,368
17 years$6,066$5,077$4,227$3,503$2,891$2,050
18 years$5,669$4,691$3,859$3,157$2,571$1,778
19 years$5,315$4,348$3,532$2,852$2,291$1,546
20 years$4,996$4,040$3,242$2,583$2,047$1,346
21 years$4,708$3,763$2,982$2,345$1,831$1,174
22 years$4,447$3,513$2,748$2,132$1,642$1,025
23 years$4,208$3,286$2,538$1,942$1,474$896
24 years$3,990$3,078$2,347$1,771$1,325$784
25 years$3,790$2,889$2,174$1,617$1,192$687
26 years$3,605$2,715$2,016$1,479$1,074$602
27 years$3,435$2,555$1,872$1,353$968$528
28 years$3,276$2,408$1,740$1,240$873$463
29 years$3,129$2,271$1,619$1,137$789$407
30 years$2,992$2,145$1,508$1,044$713$357
31 years$2,864$2,028$1,406$958$644$314
32 years$2,745$1,919$1,312$881$583$276
33 years$2,633$1,817$1,225$810$527$243
34 years$2,527$1,722$1,145$745$478$213
35 years$2,428$1,633$1,070$686$433$188
36 years$2,335$1,550$1,001$632$392$165
37 years$2,247$1,473$937$582$355$145
38 years$2,163$1,399$877$537$322$128
39 years$2,084$1,331$822$495$292$113
40 years$2,010$1,266$771$456$265$99
41 years$1,939$1,205$723$421$240$87
42 years$1,872$1,148$678$389$218$77
43 years$1,808$1,094$636$359$198$68
44 years$1,747$1,042$597$331$180$60
45 years$1,689$994$561$306$163$52
46 years$1,633$948$526$283$148$46
47 years$1,580$905$495$261$134$41
48 years$1,530$864$465$241$122$36
49 years$1,481$825$437$223$111$32
50 years$1,435$788$411$206$101$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,470,000, adding $4,188 every year, while hoping to spend $33,463 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: 66/9/25 Blend
40$1,470,000$1,470,000$1,470,000$1,470,000
41$1,624,260$1,546,350$1,523,565$1,720,653
42$1,754,330$1,586,517$1,539,000$1,826,234
43$1,896,546$1,627,530$1,553,831$1,937,464
44$2,052,111$1,669,396$1,568,001$2,058,316
45$2,222,350$1,712,121$1,581,453$2,189,739
46$2,408,723$1,755,708$1,594,125$2,332,779
47$2,612,836$1,800,161$1,605,951$2,488,589
48$2,836,459$1,845,482$1,616,864$2,658,438
49$3,081,540$1,891,674$1,626,792$2,843,725
50$3,350,227$1,938,735$1,635,659$3,045,991
51$3,644,882$1,986,665$1,643,385$3,266,936
52$3,968,109$2,035,461$1,649,888$3,508,432
53$4,322,776$2,085,118$1,655,079$3,772,540
54$4,712,041$2,135,631$1,658,867$4,061,535
55$5,139,385$2,186,992$1,661,154$4,377,920
56$5,608,639$2,239,192$1,661,839$4,724,458
57$6,124,025$2,292,218$1,660,816$5,104,189
58$6,690,195$2,346,056$1,657,973$5,520,467
59$7,312,273$2,400,690$1,653,193$5,976,987
60$7,995,902$2,456,101$1,646,352$6,477,820
61$8,747,301$2,512,267$1,637,322$7,027,454
62$9,573,321$2,569,164$1,625,968$7,630,835
63$10,481,510$2,626,762$1,612,148$8,293,413
64$11,480,183$2,685,033$1,595,713$9,021,195
65$12,578,501$2,743,939$1,576,510$9,820,802
66$13,786,559$2,803,443$1,554,374$10,699,529
67$15,115,479$2,863,502$1,529,136$11,665,417
68$16,577,513$2,924,069$1,500,617$12,727,328
69$18,186,162$2,985,092$1,468,630$13,895,028
70$19,956,302$3,046,513$1,432,982$15,179,282
71$21,904,324$3,108,271$1,393,466$16,591,953
72$24,048,288$3,170,299$1,349,869$18,146,113
73$26,408,092$3,232,522$1,301,968$19,856,171
74$29,005,662$3,294,861$1,249,530$21,738,008
75$31,865,160$3,357,229$1,192,308$23,809,123
76$35,013,204$3,419,532$1,130,049$26,088,805
77$38,479,130$3,481,668$1,062,485$28,598,310
78$42,295,260$3,543,528$989,337$31,361,064
79$46,497,210$3,604,994$910,312$34,402,885
80$51,124,225$3,665,938$825,108$37,752,228
81$56,219,551$3,726,224$733,404$41,440,450
82$61,830,841$3,785,705$634,869$45,502,111
83$68,010,605$3,844,223$529,155$49,975,298
84$74,816,705$3,901,608$415,900$54,901,987
85$82,312,901$3,957,679$294,725$60,328,436
86$90,569,453$4,012,242$165,234$66,305,626
87$99,663,783$4,065,088$27,016$72,889,744
88$109,681,208$4,115,995$0$80,142,707
89$120,715,738$4,164,726$0$88,164,895
90$132,870,972$4,211,027$0$97,009,153
91$146,261,071$4,254,627$0$106,751,270
92$161,011,834$4,295,237$0$117,482,714
93$177,261,886$4,332,549$0$129,304,283
94$195,163,989$4,366,235$0$142,327,048
95$214,886,481$4,395,945$0$156,673,413
96$236,614,863$4,421,308$0$172,478,260
97$260,553,555$4,441,927$0$189,890,228
98$286,927,818$4,457,382$0$209,073,116
99$315,985,886$4,467,224$0$230,207,424
100$348,001,308$4,470,980$0$253,492,063