Can I retire at age 41 with 1,650,000?

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 $1,650,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$136,255$135,042$133,858$132,702$131,573$127,260
2 years$67,453$66,197$64,979$63,799$62,654$58,349
3 years$44,522$43,260$42,046$40,877$39,750$35,590
4 years$33,059$31,801$30,599$29,449$28,350$24,365
5 years$26,183$24,932$23,746$22,620$21,551$17,753
6 years$21,600$20,359$19,190$18,089$17,053$13,444
7 years$18,328$17,098$15,947$14,872$13,869$10,449
8 years$15,875$14,656$13,524$12,476$11,505$8,272
9 years$13,968$12,761$11,649$10,627$9,689$6,639
10 years$12,444$11,248$10,156$9,160$8,256$5,384
11 years$11,197$10,013$8,941$7,972$7,100$4,401
12 years$10,159$8,987$7,935$6,993$6,153$3,621
13 years$9,281$8,122$7,089$6,174$5,365$2,994
14 years$8,530$7,383$6,370$5,480$4,703$2,485
15 years$7,879$6,744$5,751$4,887$4,141$2,070
16 years$7,310$6,188$5,214$4,376$3,660$1,729
17 years$6,809$5,699$4,745$3,932$3,245$1,447
18 years$6,363$5,266$4,331$3,543$2,885$1,214
19 years$5,966$4,880$3,965$3,202$2,572$1,020
20 years$5,608$4,535$3,639$2,900$2,297$858
21 years$5,285$4,224$3,347$2,632$2,056$722
22 years$4,991$3,943$3,085$2,393$1,843$608
23 years$4,724$3,688$2,848$2,179$1,654$513
24 years$4,479$3,455$2,634$1,988$1,487$433
25 years$4,254$3,243$2,440$1,815$1,338$366
26 years$4,047$3,048$2,263$1,660$1,205$309
27 years$3,855$2,868$2,101$1,519$1,086$261
28 years$3,677$2,703$1,953$1,392$980$221
29 years$3,512$2,550$1,818$1,276$885$186
30 years$3,359$2,408$1,693$1,171$800$158
31 years$3,215$2,276$1,578$1,076$723$133
32 years$3,081$2,154$1,473$989$654$113
33 years$2,955$2,040$1,375$909$592$95
34 years$2,837$1,933$1,285$837$536$81
35 years$2,725$1,834$1,201$770$485$68
36 years$2,621$1,740$1,124$709$440$58
37 years$2,522$1,653$1,052$653$399$49
38 years$2,428$1,571$985$602$361$41
39 years$2,340$1,494$923$555$328$35
40 years$2,256$1,421$865$512$297$30
41 years$2,176$1,353$811$473$270$25
42 years$2,101$1,288$761$436$245$21
43 years$2,029$1,228$714$403$222$18
44 years$1,960$1,170$670$372$202$15
45 years$1,895$1,116$629$343$183$13
46 years$1,833$1,064$591$317$166$11
47 years$1,774$1,016$555$293$151$9
48 years$1,717$970$522$271$137$8
49 years$1,663$926$490$250$124$7
50 years$1,611$885$461$231$113$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,650,000, adding $3,974 every year, while hoping to spend $38,442 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: 30/44/26 Blend
40$1,650,000$1,650,000$1,650,000$1,650,000
41$1,822,399$1,734,949$1,709,374$1,862,345
42$1,967,382$1,779,060$1,725,736$1,937,772
43$2,125,864$1,824,043$1,741,358$2,015,205
44$2,299,183$1,869,902$1,756,174$2,097,732
45$2,488,810$1,916,637$1,770,116$2,185,824
46$2,696,364$1,964,248$1,783,110$2,279,994
47$2,923,630$2,012,733$1,795,082$2,380,813
48$3,172,573$2,062,090$1,805,949$2,488,906
49$3,445,356$2,112,313$1,815,629$2,604,965
50$3,744,362$2,163,396$1,824,033$2,729,750
51$4,072,216$2,215,331$1,831,066$2,864,100
52$4,431,807$2,268,107$1,836,633$3,008,940
53$4,826,320$2,321,713$1,840,628$3,165,288
54$5,259,261$2,376,133$1,842,945$3,334,270
55$5,734,492$2,431,351$1,843,471$3,517,122
56$6,256,269$2,487,345$1,842,086$3,715,212
57$6,829,279$2,544,095$1,838,666$3,930,044
58$7,458,683$2,601,574$1,833,079$4,163,279
59$8,150,171$2,659,753$1,825,189$4,416,747
60$8,910,007$2,718,600$1,814,852$4,692,465
61$9,745,095$2,778,078$1,801,917$4,992,659
62$10,663,040$2,838,149$1,786,226$5,319,783
63$11,672,219$2,898,767$1,767,613$5,676,541
64$12,781,863$2,959,885$1,745,906$6,065,916
65$14,002,141$3,021,448$1,720,923$6,491,198
66$15,344,259$3,083,398$1,692,473$6,956,011
67$16,820,561$3,145,672$1,660,358$7,464,355
68$18,444,648$3,208,200$1,624,370$8,020,638
69$20,231,506$3,270,906$1,584,290$8,629,722
70$22,197,647$3,333,707$1,539,891$9,296,965
71$24,361,264$3,396,516$1,490,935$10,028,279
72$26,742,403$3,459,235$1,437,171$10,830,178
73$29,363,151$3,521,760$1,378,339$11,709,846
74$32,247,845$3,583,980$1,314,166$12,675,206
75$35,423,303$3,645,772$1,244,368$13,734,989
76$38,919,071$3,707,007$1,168,646$14,898,825
77$42,767,710$3,767,543$1,086,689$16,177,328
78$47,005,095$3,827,232$998,172$17,582,204
79$51,670,758$3,885,910$902,754$19,126,356
80$56,808,260$3,943,404$800,081$20,824,009
81$62,465,600$3,999,528$689,782$22,690,847
82$68,695,671$4,054,084$571,469$24,744,160
83$75,556,753$4,106,859$444,737$27,003,009
84$83,113,072$4,157,624$309,165$29,488,409
85$91,435,394$4,206,137$164,311$32,223,526
86$100,601,705$4,252,138$9,716$35,233,896
87$110,697,936$4,295,350$0$38,547,674
88$121,818,780$4,335,477$0$42,238,967
89$134,068,585$4,372,205$0$46,304,589
90$147,562,335$4,405,197$0$50,779,701
91$162,426,738$4,434,097$0$55,706,025
92$178,801,422$4,458,524$0$61,129,545
93$196,840,248$4,478,073$0$67,100,942
94$216,712,769$4,492,314$0$73,676,068
95$238,605,824$4,500,789$0$80,916,481
96$262,725,303$4,503,013$0$88,890,021
97$289,298,092$4,498,469$0$97,671,459
98$318,574,212$4,486,609$0$107,343,196
99$350,829,180$4,466,851$0$117,996,048
100$386,366,607$4,438,577$0$129,730,102