Can I retire at age 41 with 1,730,000?

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 $1,730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$142,862$141,589$140,348$139,136$137,953$135,389
2 years$70,724$69,406$68,130$66,892$65,692$63,118
3 years$46,681$45,358$44,085$42,859$41,678$39,175
4 years$34,662$33,343$32,082$30,877$29,725$27,312
5 years$27,452$26,141$24,897$23,717$22,596$20,280
6 years$22,647$21,346$20,121$18,966$17,880$15,663
7 years$19,217$17,927$16,720$15,593$14,541$12,424
8 years$16,645$15,366$14,180$13,081$12,063$10,046
9 years$14,646$13,379$12,213$11,142$10,159$8,240
10 years$13,047$11,793$10,648$9,604$8,656$6,833
11 years$11,740$10,499$9,374$8,359$7,444$5,716
12 years$10,652$9,423$8,319$7,332$6,451$4,814
13 years$9,732$8,516$7,433$6,473$5,626$4,078
14 years$8,943$7,741$6,678$5,746$4,931$3,470
15 years$8,261$7,071$6,030$5,124$4,342$2,964
16 years$7,665$6,488$5,467$4,588$3,837$2,540
17 years$7,139$5,975$4,975$4,123$3,402$2,183
18 years$6,672$5,521$4,541$3,715$3,025$1,880
19 years$6,255$5,117$4,157$3,357$2,697$1,622
20 years$5,880$4,755$3,815$3,040$2,409$1,402
21 years$5,541$4,429$3,509$2,759$2,155$1,214
22 years$5,233$4,134$3,234$2,509$1,932$1,052
23 years$4,953$3,867$2,986$2,285$1,734$912
24 years$4,696$3,623$2,762$2,084$1,559$792
25 years$4,460$3,400$2,558$1,903$1,403$688
26 years$4,243$3,195$2,372$1,740$1,264$598
27 years$4,042$3,007$2,203$1,593$1,139$521
28 years$3,856$2,834$2,048$1,459$1,028$453
29 years$3,683$2,673$1,906$1,338$928$395
30 years$3,522$2,525$1,775$1,228$839$344
31 years$3,371$2,387$1,655$1,128$758$300
32 years$3,230$2,258$1,544$1,037$686$261
33 years$3,098$2,139$1,442$953$621$228
34 years$2,974$2,027$1,347$877$562$199
35 years$2,858$1,922$1,259$807$509$173
36 years$2,748$1,825$1,178$744$461$151
37 years$2,644$1,733$1,103$685$418$132
38 years$2,546$1,647$1,033$632$379$115
39 years$2,453$1,566$968$582$344$100
40 years$2,365$1,490$907$537$312$88
41 years$2,282$1,418$850$496$283$76
42 years$2,203$1,351$798$457$257$67
43 years$2,127$1,287$748$422$233$58
44 years$2,055$1,227$703$390$211$51
45 years$1,987$1,170$660$360$192$44
46 years$1,922$1,116$620$333$174$39
47 years$1,860$1,065$582$307$158$34
48 years$1,800$1,017$547$284$144$30
49 years$1,743$971$514$262$130$26
50 years$1,689$927$483$242$119$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,730,000, adding $6,083 every year, while hoping to spend $37,506 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: 55/40/5 Blend
40$1,730,000$1,730,000$1,730,000$1,730,000
41$1,912,735$1,821,045$1,794,230$2,015,650
42$2,067,927$1,870,370$1,814,430$2,135,026
43$2,237,693$1,920,855$1,834,050$2,260,216
44$2,423,478$1,972,517$1,853,031$2,395,579
45$2,626,875$2,025,373$1,871,311$2,542,084
46$2,849,640$2,079,439$1,888,823$2,700,800
47$3,093,703$2,134,732$1,905,498$2,872,899
48$3,361,193$2,191,266$1,921,265$3,059,675
49$3,654,453$2,249,056$1,936,045$3,262,549
50$3,976,063$2,308,116$1,949,759$3,483,088
51$4,328,867$2,368,459$1,962,321$3,723,016
52$4,715,994$2,430,097$1,973,642$3,984,231
53$5,140,895$2,493,041$1,983,628$4,268,823
54$5,607,367$2,557,301$1,992,181$4,579,095
55$6,119,596$2,622,886$1,999,196$4,917,580
56$6,682,191$2,689,803$2,004,566$5,287,070
57$7,300,230$2,758,059$2,008,174$5,690,640
58$7,979,307$2,827,658$2,009,902$6,131,677
59$8,725,586$2,898,602$2,009,623$6,613,910
60$9,545,855$2,970,893$2,007,204$7,141,448
61$10,447,595$3,044,530$2,002,508$7,718,818
62$11,439,046$3,119,508$1,995,389$8,351,005
63$12,529,288$3,195,823$1,985,694$9,043,502
64$13,728,324$3,273,467$1,973,263$9,802,361
65$15,047,174$3,352,428$1,957,928$10,634,248
66$16,497,982$3,432,693$1,939,514$11,546,509
67$18,094,125$3,514,244$1,917,838$12,547,235
68$19,850,346$3,597,062$1,892,706$13,645,344
69$21,782,887$3,681,123$1,863,916$14,850,658
70$23,909,642$3,766,399$1,831,258$16,174,003
71$26,250,330$3,852,857$1,794,510$17,627,305
72$28,826,679$3,940,462$1,753,441$19,223,706
73$31,662,628$4,029,173$1,707,809$20,977,686
74$34,784,556$4,118,942$1,657,361$22,905,202
75$38,221,529$4,209,719$1,601,831$25,023,834
76$42,005,575$4,301,446$1,540,943$27,352,957
77$46,171,986$4,394,059$1,474,406$29,913,920
78$50,759,649$4,487,488$1,401,919$32,730,248
79$55,811,414$4,581,656$1,323,165$35,827,863
80$61,374,499$4,676,478$1,237,812$39,235,332
81$67,500,934$4,771,861$1,145,514$42,984,134
82$74,248,052$4,867,705$1,045,911$47,108,957
83$81,679,029$4,963,898$938,626$51,648,027
84$89,863,483$5,060,322$823,262$56,643,470
85$98,878,127$5,156,847$699,410$62,141,705
86$108,807,495$5,253,331$566,639$68,193,887
87$119,744,737$5,349,622$424,499$74,856,389
88$131,792,503$5,445,556$272,523$82,191,334
89$145,063,906$5,540,956$110,220$90,267,179
90$159,683,592$5,635,630$0$99,159,366
91$175,788,915$5,729,373$0$108,954,394
92$193,531,236$5,821,964$0$119,747,014
93$213,077,347$5,913,165$0$131,632,332
94$234,611,048$6,002,721$0$144,721,643
95$258,334,880$6,090,360$0$159,137,593
96$284,472,039$6,175,789$0$175,015,338
97$313,268,478$6,258,694$0$192,503,819
98$344,995,233$6,338,741$0$211,767,171
99$379,950,979$6,415,571$0$232,986,270
100$418,464,847$6,488,802$0$256,360,442