Can I retire at age 41 with 1,750,000?

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$144,513$143,226$141,970$140,744$139,547$136,119
2 years$71,541$70,209$68,918$67,666$66,451$63,018
3 years$47,220$45,882$44,594$43,354$42,159$38,829
4 years$35,062$33,728$32,453$31,234$30,068$26,866
5 years$27,769$26,443$25,185$23,991$22,858$19,793
6 years$22,909$21,593$20,353$19,186$18,086$15,162
7 years$19,439$18,134$16,914$15,774$14,709$11,926
8 years$16,837$15,544$14,344$13,232$12,203$9,559
9 years$14,815$13,534$12,355$11,271$10,276$7,770
10 years$13,198$11,929$10,771$9,716$8,756$6,384
11 years$11,876$10,620$9,483$8,455$7,530$5,290
12 years$10,775$9,532$8,416$7,417$6,526$4,412
13 years$9,844$8,614$7,519$6,548$5,691$3,700
14 years$9,047$7,830$6,756$5,812$4,988$3,117
15 years$8,357$7,153$6,099$5,184$4,392$2,635
16 years$7,753$6,563$5,530$4,641$3,882$2,234
17 years$7,221$6,044$5,032$4,170$3,442$1,899
18 years$6,749$5,585$4,594$3,758$3,060$1,618
19 years$6,327$5,176$4,205$3,396$2,728$1,380
20 years$5,948$4,810$3,859$3,076$2,436$1,180
21 years$5,605$4,480$3,550$2,791$2,180$1,009
22 years$5,294$4,182$3,272$2,538$1,954$865
23 years$5,010$3,911$3,021$2,311$1,754$741
24 years$4,750$3,665$2,794$2,108$1,577$636
25 years$4,512$3,439$2,588$1,925$1,419$546
26 years$4,292$3,232$2,400$1,760$1,278$469
27 years$4,089$3,042$2,229$1,611$1,152$403
28 years$3,900$2,866$2,072$1,476$1,040$347
29 years$3,725$2,704$1,928$1,354$939$298
30 years$3,562$2,554$1,796$1,242$848$257
31 years$3,410$2,414$1,674$1,141$767$221
32 years$3,268$2,284$1,562$1,049$694$190
33 years$3,134$2,163$1,458$964$628$164
34 years$3,009$2,050$1,363$887$568$141
35 years$2,891$1,945$1,274$817$515$121
36 years$2,779$1,846$1,192$752$467$105
37 years$2,674$1,753$1,116$693$423$90
38 years$2,575$1,666$1,045$639$383$78
39 years$2,481$1,584$979$589$348$67
40 years$2,393$1,507$917$543$315$58
41 years$2,308$1,435$860$501$286$50
42 years$2,228$1,366$807$463$260$43
43 years$2,152$1,302$757$427$236$37
44 years$2,079$1,241$711$394$214$32
45 years$2,010$1,183$667$364$194$27
46 years$1,944$1,129$627$336$176$24
47 years$1,881$1,077$589$311$160$20
48 years$1,821$1,028$553$287$145$18
49 years$1,764$982$520$265$132$15
50 years$1,709$938$489$245$120$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,750,000, adding $6,688 every year, while hoping to spend $50,366 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: 44/39/17 Blend
40$1,750,000$1,750,000$1,750,000$1,750,000
41$1,935,399$1,842,649$1,815,524$2,010,780
42$2,079,220$1,879,349$1,822,755$2,101,016
43$2,236,024$1,916,160$1,828,540$2,193,241
44$2,407,080$1,953,034$1,832,778$2,292,134
45$2,593,788$1,989,918$1,835,361$2,398,333
46$2,797,687$2,026,757$1,836,179$2,512,544
47$3,020,473$2,063,490$1,835,113$2,635,542
48$3,264,012$2,100,052$1,832,040$2,768,185
49$3,530,358$2,136,372$1,826,831$2,911,416
50$3,821,775$2,172,374$1,819,349$3,066,279
51$4,140,753$2,207,977$1,809,454$3,233,923
52$4,490,035$2,243,093$1,796,996$3,415,615
53$4,872,641$2,277,628$1,781,819$3,612,756
54$5,291,900$2,311,481$1,763,759$3,826,888
55$5,751,473$2,344,543$1,742,644$4,059,713
56$6,255,397$2,376,699$1,718,296$4,313,109
57$6,808,115$2,407,825$1,690,527$4,589,147
58$7,414,522$2,437,788$1,659,139$4,890,113
59$8,080,010$2,466,446$1,623,927$5,218,526
60$8,810,518$2,493,649$1,584,675$5,577,167
61$9,612,588$2,519,235$1,541,159$5,969,101
62$10,493,426$2,543,031$1,493,141$6,397,713
63$11,460,970$2,564,854$1,440,377$6,866,732
64$12,523,966$2,584,510$1,382,606$7,380,275
65$13,692,048$2,601,788$1,319,561$7,942,879
66$14,975,830$2,616,468$1,250,959$8,559,552
67$16,387,004$2,628,315$1,176,506$9,235,815
68$17,938,452$2,637,076$1,095,892$9,977,757
69$19,644,367$2,642,485$1,008,798$10,792,096
70$21,520,386$2,644,260$914,886$11,686,238
71$23,583,735$2,642,099$813,805$12,668,352
72$25,853,397$2,635,683$705,188$13,747,446
73$28,350,284$2,624,672$588,652$14,933,456
74$31,097,439$2,608,707$463,798$16,237,336
75$34,120,249$2,587,405$330,206$17,671,167
76$37,446,688$2,560,362$187,442$19,248,272
77$41,107,579$2,527,148$35,050$20,983,340
78$45,136,882$2,487,308$0$22,892,568
79$49,572,019$2,440,361$0$25,016,960
80$54,454,222$2,385,796$0$27,361,355
81$59,828,924$2,323,071$0$29,941,198
82$65,746,187$2,251,614$0$32,780,527
83$72,261,174$2,170,820$0$35,905,841
84$79,434,670$2,080,046$0$39,346,351
85$87,333,652$1,978,614$0$43,134,254
86$96,031,925$1,865,806$0$47,305,043
87$105,610,814$1,740,864$0$51,897,839
88$116,159,934$1,602,983$0$56,955,766
89$127,778,034$1,451,316$0$62,526,356
90$140,573,929$1,284,966$0$68,662,006
91$154,667,525$1,102,985$0$75,420,465
92$170,190,952$904,370$0$82,865,391
93$187,289,810$688,065$0$91,066,949
94$206,124,542$452,951$0$100,102,476
95$226,871,948$197,849$0$110,057,216
96$249,726,854$0$0$121,025,125
97$274,903,952$0$0$133,143,446
98$302,639,819$0$0$146,587,226
99$333,195,158$0$0$161,397,961
100$366,857,254$0$0$177,714,944