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%15.9%
1 years$144,513$143,226$141,970$140,744$139,547$136,174
2 years$71,541$70,209$68,918$67,666$66,451$63,073
3 years$47,220$45,882$44,594$43,354$42,159$38,882
4 years$35,062$33,728$32,453$31,234$30,068$26,916
5 years$27,769$26,443$25,185$23,991$22,858$19,840
6 years$22,909$21,593$20,353$19,186$18,086$15,207
7 years$19,439$18,134$16,914$15,774$14,709$11,967
8 years$16,837$15,544$14,344$13,232$12,203$9,598
9 years$14,815$13,534$12,355$11,271$10,276$7,806
10 years$13,198$11,929$10,771$9,716$8,756$6,418
11 years$11,876$10,620$9,483$8,455$7,530$5,321
12 years$10,775$9,532$8,416$7,417$6,526$4,441
13 years$9,844$8,614$7,519$6,548$5,691$3,727
14 years$9,047$7,830$6,756$5,812$4,988$3,142
15 years$8,357$7,153$6,099$5,184$4,392$2,658
16 years$7,753$6,563$5,530$4,641$3,882$2,255
17 years$7,221$6,044$5,032$4,170$3,442$1,918
18 years$6,749$5,585$4,594$3,758$3,060$1,635
19 years$6,327$5,176$4,205$3,396$2,728$1,397
20 years$5,948$4,810$3,859$3,076$2,436$1,194
21 years$5,605$4,480$3,550$2,791$2,180$1,023
22 years$5,294$4,182$3,272$2,538$1,954$877
23 years$5,010$3,911$3,021$2,311$1,754$752
24 years$4,750$3,665$2,794$2,108$1,577$646
25 years$4,512$3,439$2,588$1,925$1,419$555
26 years$4,292$3,232$2,400$1,760$1,278$477
27 years$4,089$3,042$2,229$1,611$1,152$411
28 years$3,900$2,866$2,072$1,476$1,040$353
29 years$3,725$2,704$1,928$1,354$939$304
30 years$3,562$2,554$1,796$1,242$848$262
31 years$3,410$2,414$1,674$1,141$767$226
32 years$3,268$2,284$1,562$1,049$694$194
33 years$3,134$2,163$1,458$964$628$168
34 years$3,009$2,050$1,363$887$568$144
35 years$2,891$1,945$1,274$817$515$124
36 years$2,779$1,846$1,192$752$467$107
37 years$2,674$1,753$1,116$693$423$93
38 years$2,575$1,666$1,045$639$383$80
39 years$2,481$1,584$979$589$348$69
40 years$2,393$1,507$917$543$315$59
41 years$2,308$1,435$860$501$286$51
42 years$2,228$1,366$807$463$260$44
43 years$2,152$1,302$757$427$236$38
44 years$2,079$1,241$711$394$214$33
45 years$2,010$1,183$667$364$194$28
46 years$1,944$1,129$627$336$176$24
47 years$1,881$1,077$589$311$160$21
48 years$1,821$1,028$553$287$145$18
49 years$1,764$982$520$265$132$16
50 years$1,709$938$489$245$120$14

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 $6,195 every year, while hoping to spend $38,608 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: 73/9/18 Blend
40$1,750,000$1,750,000$1,750,000$1,750,000
41$1,934,890$1,842,140$1,815,015$2,067,563
42$2,091,170$1,891,326$1,834,740$2,205,627
43$2,262,097$1,941,629$1,853,831$2,351,541
44$2,449,124$1,993,061$1,872,227$2,510,388
45$2,653,850$2,045,637$1,889,862$2,683,444
46$2,878,039$2,099,369$1,906,668$2,872,114
47$3,123,629$2,154,269$1,922,573$3,077,948
48$3,392,760$2,210,348$1,937,499$3,302,652
49$3,687,782$2,267,616$1,951,366$3,548,105
50$4,011,289$2,326,083$1,964,090$3,816,377
51$4,366,136$2,385,756$1,975,582$4,109,749
52$4,755,466$2,446,643$1,985,749$4,430,735
53$5,182,744$2,508,748$1,994,492$4,782,102
54$5,651,784$2,572,077$2,001,707$5,166,902
55$6,166,788$2,636,631$2,007,287$5,588,494
56$6,732,387$2,702,412$2,011,117$6,050,583
57$7,353,679$2,769,419$2,013,078$6,557,248
58$8,036,282$2,837,648$2,013,044$7,112,985
59$8,786,386$2,907,096$2,010,883$7,722,748
60$9,610,807$2,977,754$2,006,458$8,391,996
61$10,517,058$3,049,613$1,999,624$9,126,744
62$11,513,415$3,122,660$1,990,227$9,933,619
63$12,608,993$3,196,881$1,978,110$10,819,925
64$13,813,839$3,272,256$1,963,105$11,793,711
65$15,139,019$3,348,765$1,945,038$12,863,845
66$16,596,727$3,426,382$1,923,724$14,040,099
67$18,200,396$3,505,079$1,898,973$15,333,244
68$19,964,831$3,584,822$1,870,582$16,755,147
69$21,906,340$3,665,574$1,838,343$18,318,885
70$24,042,893$3,747,294$1,802,034$20,038,871
71$26,394,290$3,829,934$1,761,425$21,930,986
72$28,982,350$3,913,442$1,716,274$24,012,731
73$31,831,111$3,997,762$1,666,330$26,303,393
74$34,967,061$4,082,829$1,611,329$28,824,226
75$38,419,387$4,168,573$1,550,994$31,598,652
76$42,220,249$4,254,918$1,485,038$34,652,481
77$46,405,085$4,341,780$1,413,157$38,014,158
78$51,012,943$4,429,066$1,335,037$41,715,029
79$56,086,850$4,516,678$1,250,348$45,789,636
80$61,674,219$4,604,506$1,158,745$50,276,048
81$67,827,295$4,692,432$1,059,869$55,216,216
82$74,603,648$4,780,330$953,343$60,656,370
83$82,066,714$4,868,060$838,774$66,647,458
84$90,286,399$4,955,475$715,752$73,245,624
85$99,339,731$5,042,412$583,849$80,512,742
86$109,311,592$5,128,699$442,617$88,516,995
87$120,295,518$5,214,149$291,589$97,333,526
88$132,394,581$5,298,562$130,276$107,045,142
89$145,722,358$5,381,722$0$117,743,098
90$160,404,011$5,463,398$0$129,536,001
91$176,577,458$5,543,343$0$142,553,860
92$194,394,682$5,621,290$0$156,893,865
93$214,023,162$5,696,955$0$172,690,719
94$235,647,454$5,770,036$0$190,092,860
95$259,470,932$5,840,206$0$209,263,863
96$285,717,710$5,907,118$0$230,383,986
97$314,634,752$5,970,403$0$253,651,866
98$346,494,209$6,029,665$0$279,286,399
99$381,595,981$6,084,481$0$307,528,803
100$420,270,554$6,134,404$0$338,644,897