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

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 $1,650,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$136,255$135,042$133,858$132,702$131,573$129,983
2 years$67,453$66,197$64,979$63,799$62,654$61,054
3 years$44,522$43,260$42,046$40,877$39,750$38,189
4 years$33,059$31,801$30,599$29,449$28,350$26,841
5 years$26,183$24,932$23,746$22,620$21,551$20,098
6 years$21,600$20,359$19,190$18,089$17,053$15,657
7 years$18,328$17,098$15,947$14,872$13,869$12,531
8 years$15,875$14,656$13,524$12,476$11,505$10,226
9 years$13,968$12,761$11,649$10,627$9,689$8,468
10 years$12,444$11,248$10,156$9,160$8,256$7,091
11 years$11,197$10,013$8,941$7,972$7,100$5,991
12 years$10,159$8,987$7,935$6,993$6,153$5,099
13 years$9,281$8,122$7,089$6,174$5,365$4,364
14 years$8,530$7,383$6,370$5,480$4,703$3,754
15 years$7,879$6,744$5,751$4,887$4,141$3,242
16 years$7,310$6,188$5,214$4,376$3,660$2,810
17 years$6,809$5,699$4,745$3,932$3,245$2,442
18 years$6,363$5,266$4,331$3,543$2,885$2,127
19 years$5,966$4,880$3,965$3,202$2,572$1,857
20 years$5,608$4,535$3,639$2,900$2,297$1,625
21 years$5,285$4,224$3,347$2,632$2,056$1,423
22 years$4,991$3,943$3,085$2,393$1,843$1,249
23 years$4,724$3,688$2,848$2,179$1,654$1,097
24 years$4,479$3,455$2,634$1,988$1,487$964
25 years$4,254$3,243$2,440$1,815$1,338$848
26 years$4,047$3,048$2,263$1,660$1,205$747
27 years$3,855$2,868$2,101$1,519$1,086$658
28 years$3,677$2,703$1,953$1,392$980$581
29 years$3,512$2,550$1,818$1,276$885$512
30 years$3,359$2,408$1,693$1,171$800$452
31 years$3,215$2,276$1,578$1,076$723$399
32 years$3,081$2,154$1,473$989$654$353
33 years$2,955$2,040$1,375$909$592$312
34 years$2,837$1,933$1,285$837$536$275
35 years$2,725$1,834$1,201$770$485$243
36 years$2,621$1,740$1,124$709$440$215
37 years$2,522$1,653$1,052$653$399$190
38 years$2,428$1,571$985$602$361$168
39 years$2,340$1,494$923$555$328$149
40 years$2,256$1,421$865$512$297$132
41 years$2,176$1,353$811$473$270$117
42 years$2,101$1,288$761$436$245$103
43 years$2,029$1,228$714$403$222$91
44 years$1,960$1,170$670$372$202$81
45 years$1,895$1,116$629$343$183$72
46 years$1,833$1,064$591$317$166$63
47 years$1,774$1,016$555$293$151$56
48 years$1,717$970$522$271$137$50
49 years$1,663$926$490$250$124$44
50 years$1,611$885$461$231$113$39

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 $2,887 every year, while hoping to spend $39,903 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: 32/50/18 Blend
40$1,650,000$1,650,000$1,650,000$1,650,000
41$1,821,278$1,733,828$1,708,253$1,869,246
42$1,964,592$1,776,329$1,723,023$1,947,694
43$2,121,186$1,819,575$1,736,950$2,028,274
44$2,292,374$1,863,561$1,749,965$2,114,220
45$2,479,600$1,908,279$1,761,992$2,206,025
46$2,684,455$1,953,721$1,772,955$2,304,232
47$2,908,691$1,999,875$1,782,771$2,409,436
48$3,154,238$2,046,729$1,791,354$2,522,296
49$3,423,219$2,094,268$1,798,613$2,643,536
50$3,717,975$2,142,475$1,804,455$2,773,955
51$4,041,082$2,191,330$1,808,777$2,914,432
52$4,395,378$2,240,810$1,811,477$3,065,938
53$4,783,989$2,290,892$1,812,443$3,229,540
54$5,210,357$2,341,547$1,811,561$3,406,417
55$5,678,273$2,392,743$1,808,709$3,597,868
56$6,191,916$2,444,446$1,803,760$3,805,323
57$6,755,886$2,496,619$1,796,580$4,030,361
58$7,375,251$2,549,218$1,787,030$4,274,720
59$8,055,595$2,602,198$1,774,964$4,540,318
60$8,803,068$2,655,508$1,760,228$4,829,270
61$9,624,446$2,709,093$1,742,660$5,143,906
62$10,527,194$2,762,892$1,722,094$5,486,795
63$11,519,535$2,816,842$1,698,351$5,860,771
64$12,610,530$2,870,869$1,671,248$6,268,957
65$13,810,161$2,924,898$1,640,592$6,714,797
66$15,129,424$2,978,845$1,606,179$7,202,088
67$16,580,438$3,032,621$1,567,798$7,735,016
68$18,176,550$3,086,127$1,525,227$8,318,197
69$19,932,471$3,139,260$1,478,235$8,956,721
70$21,864,406$3,191,907$1,426,578$9,656,197
71$23,990,211$3,243,946$1,370,004$10,422,812
72$26,329,561$3,295,247$1,308,248$11,263,387
73$28,904,133$3,345,672$1,241,031$12,185,442
74$31,737,814$3,395,069$1,168,065$13,197,267
75$34,856,922$3,443,279$1,089,047$14,308,004
76$38,290,458$3,490,129$1,003,660$15,527,729
77$42,070,376$3,535,436$911,573$16,867,555
78$46,231,885$3,579,003$812,442$18,339,729
79$50,813,784$3,620,621$705,905$19,957,757
80$55,858,823$3,660,065$591,586$21,736,527
81$61,414,110$3,697,095$469,091$23,692,453
82$67,531,553$3,731,457$338,010$25,843,629
83$74,268,352$3,762,878$197,913$28,210,004
84$81,687,534$3,791,070$48,354$30,813,570
85$89,858,553$3,815,723$0$33,678,570
86$98,857,941$3,836,509$0$36,853,096
87$108,770,032$3,853,079$0$40,356,543
88$119,687,757$3,865,061$0$44,212,191
89$131,713,519$3,872,060$0$48,455,943
90$144,960,164$3,873,657$0$53,127,371
91$159,552,041$3,869,406$0$58,270,093
92$175,626,176$3,858,834$0$63,932,180
93$193,333,567$3,841,438$0$70,166,616
94$212,840,608$3,816,686$0$77,031,797
95$234,330,659$3,784,012$0$84,592,087
96$258,005,774$3,742,817$0$92,918,422
97$284,088,613$3,692,465$0$102,088,988
98$312,824,539$3,632,283$0$112,189,954
99$344,483,933$3,561,556$0$123,316,294
100$379,364,752$3,479,530$0$135,572,681