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%15.7%
1 years$136,255$135,042$133,858$132,702$131,573$128,497
2 years$67,453$66,197$64,979$63,799$62,654$59,572
3 years$44,522$43,260$42,046$40,877$39,750$36,759
4 years$33,059$31,801$30,599$29,449$28,350$25,473
5 years$26,183$24,932$23,746$22,620$21,551$18,796
6 years$21,600$20,359$19,190$18,089$17,053$14,422
7 years$18,328$17,098$15,947$14,872$13,869$11,363
8 years$15,875$14,656$13,524$12,476$11,505$9,124
9 years$13,968$12,761$11,649$10,627$9,689$7,430
10 years$12,444$11,248$10,156$9,160$8,256$6,116
11 years$11,197$10,013$8,941$7,972$7,100$5,077
12 years$10,159$8,987$7,935$6,993$6,153$4,243
13 years$9,281$8,122$7,089$6,174$5,365$3,566
14 years$8,530$7,383$6,370$5,480$4,703$3,010
15 years$7,879$6,744$5,751$4,887$4,141$2,550
16 years$7,310$6,188$5,214$4,376$3,660$2,167
17 years$6,809$5,699$4,745$3,932$3,245$1,846
18 years$6,363$5,266$4,331$3,543$2,885$1,576
19 years$5,966$4,880$3,965$3,202$2,572$1,348
20 years$5,608$4,535$3,639$2,900$2,297$1,154
21 years$5,285$4,224$3,347$2,632$2,056$990
22 years$4,991$3,943$3,085$2,393$1,843$850
23 years$4,724$3,688$2,848$2,179$1,654$730
24 years$4,479$3,455$2,634$1,988$1,487$628
25 years$4,254$3,243$2,440$1,815$1,338$541
26 years$4,047$3,048$2,263$1,660$1,205$466
27 years$3,855$2,868$2,101$1,519$1,086$401
28 years$3,677$2,703$1,953$1,392$980$346
29 years$3,512$2,550$1,818$1,276$885$298
30 years$3,359$2,408$1,693$1,171$800$257
31 years$3,215$2,276$1,578$1,076$723$222
32 years$3,081$2,154$1,473$989$654$192
33 years$2,955$2,040$1,375$909$592$165
34 years$2,837$1,933$1,285$837$536$143
35 years$2,725$1,834$1,201$770$485$123
36 years$2,621$1,740$1,124$709$440$106
37 years$2,522$1,653$1,052$653$399$92
38 years$2,428$1,571$985$602$361$79
39 years$2,340$1,494$923$555$328$69
40 years$2,256$1,421$865$512$297$59
41 years$2,176$1,353$811$473$270$51
42 years$2,101$1,288$761$436$245$44
43 years$2,029$1,228$714$403$222$38
44 years$1,960$1,170$670$372$202$33
45 years$1,895$1,116$629$343$183$29
46 years$1,833$1,064$591$317$166$25
47 years$1,774$1,016$555$293$151$21
48 years$1,717$970$522$271$137$18
49 years$1,663$926$490$250$124$16
50 years$1,611$885$461$231$113$14

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 $4,062 every year, while hoping to spend $36,377 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: 45/48/7 Blend
40$1,650,000$1,650,000$1,650,000$1,650,000
41$1,822,490$1,735,040$1,709,465$1,900,771
42$1,969,679$1,781,352$1,728,027$2,001,502
43$2,130,662$1,828,714$1,745,992$2,106,569
44$2,306,808$1,877,140$1,763,301$2,219,645
45$2,499,624$1,926,641$1,779,893$2,341,480
46$2,710,768$1,977,229$1,795,702$2,472,899
47$2,942,070$2,028,916$1,810,661$2,614,808
48$3,195,540$2,081,712$1,824,697$2,768,205
49$3,473,395$2,135,626$1,837,735$2,934,189
50$3,778,077$2,190,668$1,849,695$3,113,970
51$4,112,274$2,246,844$1,860,493$3,308,877
52$4,478,948$2,304,160$1,870,041$3,520,377
53$4,881,360$2,362,623$1,878,246$3,750,083
54$5,323,102$2,422,236$1,885,012$3,999,772
55$5,808,134$2,483,000$1,890,234$4,271,400
56$6,340,814$2,544,918$1,893,808$4,567,122
57$6,925,945$2,607,987$1,895,619$4,889,311
58$7,568,818$2,672,206$1,895,549$5,240,582
59$8,275,262$2,737,568$1,893,474$5,623,812
60$9,051,698$2,804,068$1,889,264$6,042,174
61$9,905,199$2,871,695$1,882,783$6,499,161
62$10,843,560$2,940,438$1,873,886$6,998,622
63$11,875,366$3,010,283$1,862,425$7,544,796
64$13,010,078$3,081,212$1,848,241$8,142,356
65$14,258,119$3,153,204$1,831,169$8,796,447
66$15,630,971$3,226,235$1,811,038$9,512,739
67$17,141,288$3,300,279$1,787,666$10,297,481
68$18,803,011$3,375,303$1,760,863$11,157,556
69$20,631,498$3,451,273$1,730,432$12,100,550
70$22,643,674$3,528,149$1,696,165$13,134,820
71$24,858,186$3,605,886$1,657,844$14,269,575
72$27,295,582$3,684,435$1,615,243$15,514,964
73$29,978,501$3,763,742$1,568,123$16,882,168
74$32,931,889$3,843,746$1,516,236$18,383,512
75$36,183,233$3,924,381$1,459,321$20,032,574
76$39,762,821$4,005,574$1,397,107$21,844,317
77$43,704,028$4,087,246$1,329,309$23,835,231
78$48,043,628$4,169,310$1,255,630$26,023,488
79$52,822,143$4,251,672$1,175,759$28,429,114
80$58,084,226$4,334,228$1,089,372$31,074,175
81$63,879,080$4,416,868$996,128$33,982,993
82$70,260,922$4,499,470$895,674$37,182,366
83$77,289,496$4,581,905$787,640$40,701,830
84$85,030,637$4,664,030$671,638$44,573,934
85$93,556,889$4,745,695$547,264$48,834,546
86$102,948,192$4,826,734$414,098$53,523,196
87$113,292,636$4,906,972$271,699$58,683,448
88$124,687,290$4,986,219$119,606$64,363,309
89$137,239,122$5,064,272$0$70,615,689
90$151,066,003$5,140,912$0$77,502,083
91$166,297,823$5,215,904$0$85,093,300
92$183,077,716$5,288,999$0$93,451,250
93$201,563,409$5,359,926$0$102,654,016
94$221,928,715$5,428,400$0$112,787,645
95$244,365,165$5,494,113$0$123,946,965
96$269,083,824$5,556,737$0$136,236,477
97$296,317,279$5,615,922$0$149,771,344
98$326,321,834$5,671,295$0$164,678,481
99$359,379,930$5,722,457$0$181,097,748
100$395,802,810$5,768,984$0$199,183,277