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

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$144,513$143,226$141,970$140,744$139,547$135,352
2 years$71,541$70,209$68,918$67,666$66,451$62,259
3 years$47,220$45,882$44,594$43,354$42,159$38,103
4 years$35,062$33,728$32,453$31,234$30,068$26,178
5 years$27,769$26,443$25,185$23,991$22,858$19,144
6 years$22,909$21,593$20,353$19,186$18,086$14,554
7 years$19,439$18,134$16,914$15,774$14,709$11,356
8 years$16,837$15,544$14,344$13,232$12,203$9,028
9 years$14,815$13,534$12,355$11,271$10,276$7,277
10 years$13,198$11,929$10,771$9,716$8,756$5,927
11 years$11,876$10,620$9,483$8,455$7,530$4,867
12 years$10,775$9,532$8,416$7,417$6,526$4,022
13 years$9,844$8,614$7,519$6,548$5,691$3,342
14 years$9,047$7,830$6,756$5,812$4,988$2,788
15 years$8,357$7,153$6,099$5,184$4,392$2,334
16 years$7,753$6,563$5,530$4,641$3,882$1,959
17 years$7,221$6,044$5,032$4,170$3,442$1,648
18 years$6,749$5,585$4,594$3,758$3,060$1,390
19 years$6,327$5,176$4,205$3,396$2,728$1,173
20 years$5,948$4,810$3,859$3,076$2,436$992
21 years$5,605$4,480$3,550$2,791$2,180$840
22 years$5,294$4,182$3,272$2,538$1,954$712
23 years$5,010$3,911$3,021$2,311$1,754$603
24 years$4,750$3,665$2,794$2,108$1,577$512
25 years$4,512$3,439$2,588$1,925$1,419$435
26 years$4,292$3,232$2,400$1,760$1,278$369
27 years$4,089$3,042$2,229$1,611$1,152$314
28 years$3,900$2,866$2,072$1,476$1,040$267
29 years$3,725$2,704$1,928$1,354$939$227
30 years$3,562$2,554$1,796$1,242$848$193
31 years$3,410$2,414$1,674$1,141$767$164
32 years$3,268$2,284$1,562$1,049$694$140
33 years$3,134$2,163$1,458$964$628$119
34 years$3,009$2,050$1,363$887$568$101
35 years$2,891$1,945$1,274$817$515$86
36 years$2,779$1,846$1,192$752$467$73
37 years$2,674$1,753$1,116$693$423$62
38 years$2,575$1,666$1,045$639$383$53
39 years$2,481$1,584$979$589$348$45
40 years$2,393$1,507$917$543$315$39
41 years$2,308$1,435$860$501$286$33
42 years$2,228$1,366$807$463$260$28
43 years$2,152$1,302$757$427$236$24
44 years$2,079$1,241$711$394$214$20
45 years$2,010$1,183$667$364$194$17
46 years$1,944$1,129$627$336$176$15
47 years$1,881$1,077$589$311$160$13
48 years$1,821$1,028$553$287$145$11
49 years$1,764$982$520$265$132$9
50 years$1,709$938$489$245$120$8

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 $4,177 every year, while hoping to spend $24,672 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: 62/24/14 Blend
40$1,750,000$1,750,000$1,750,000$1,750,000
41$1,932,809$1,840,059$1,812,934$2,045,795
42$2,103,704$1,903,971$1,847,416$2,186,073
43$2,291,204$1,970,187$1,882,227$2,335,954
44$2,496,977$2,038,796$1,917,351$2,498,969
45$2,722,858$2,109,887$1,952,771$2,676,393
46$2,970,871$2,183,553$1,988,471$2,869,629
47$3,243,246$2,259,893$2,024,431$3,080,224
48$3,542,437$2,339,008$2,060,630$3,309,876
49$3,871,150$2,421,004$2,097,045$3,560,457
50$4,232,364$2,505,990$2,133,653$3,834,028
51$4,629,362$2,594,080$2,170,427$4,132,856
52$5,065,761$2,685,394$2,207,341$4,459,438
53$5,545,545$2,780,055$2,244,363$4,816,524
54$6,073,104$2,878,191$2,281,462$5,207,141
55$6,653,274$2,979,936$2,318,605$5,634,621
56$7,291,384$3,085,428$2,355,754$6,102,636
57$7,993,305$3,194,814$2,392,871$6,615,228
58$8,765,505$3,308,243$2,429,915$7,176,847
59$9,615,111$3,425,871$2,466,842$7,792,398
60$10,549,976$3,547,862$2,503,605$8,467,278
61$11,578,752$3,674,386$2,540,154$9,207,436
62$12,710,973$3,805,619$2,576,437$10,019,422
63$13,957,143$3,941,745$2,612,398$10,910,452
64$15,328,835$4,082,954$2,647,978$11,888,473
65$16,838,805$4,229,448$2,683,114$12,962,240
66$18,501,104$4,381,431$2,717,739$14,141,397
67$20,331,217$4,539,122$2,751,783$15,436,567
68$22,346,205$4,702,743$2,785,172$16,859,456
69$24,564,871$4,872,530$2,817,828$18,422,955
70$27,007,930$5,048,727$2,849,668$20,141,269
71$29,698,210$5,231,586$2,880,603$22,030,046
72$32,660,867$5,421,372$2,910,543$24,106,526
73$35,923,618$5,618,362$2,939,388$26,389,703
74$39,517,006$5,822,841$2,967,037$28,900,502
75$43,474,690$6,035,109$2,993,382$31,661,980
76$47,833,756$6,255,477$3,018,308$34,699,538
77$52,635,073$6,484,270$3,041,695$38,041,164
78$57,923,676$6,721,825$3,063,418$41,717,694
79$63,749,191$6,968,494$3,083,342$45,763,105
80$70,166,304$7,224,646$3,101,329$50,214,832
81$77,235,275$7,490,662$3,117,232$55,114,123
82$85,022,509$7,766,940$3,130,896$60,506,426
83$93,601,182$8,053,898$3,142,158$66,441,821
84$103,051,931$8,351,967$3,150,848$72,975,485
85$113,463,614$8,661,599$3,156,788$80,168,218
86$124,934,151$8,983,266$3,159,789$88,087,015
87$137,571,446$9,317,458$3,159,653$96,805,694
88$151,494,407$9,664,686$3,156,174$106,405,599
89$166,834,065$10,025,485$3,149,135$116,976,358
90$183,734,817$10,400,410$3,138,308$128,616,735
91$202,355,781$10,790,043$3,123,454$141,435,560
92$222,872,304$11,194,989$3,104,323$155,552,751
93$245,477,613$11,615,877$3,080,653$171,100,451
94$270,384,643$12,053,368$3,052,167$188,224,272
95$297,828,041$12,508,148$3,018,580$207,084,665
96$328,066,387$12,980,934$2,979,588$227,858,441
97$361,384,631$13,472,472$2,934,877$250,740,430
98$398,096,784$13,983,543$2,884,115$275,945,326
99$438,548,879$14,514,960$2,826,957$303,709,710
100$483,122,245$15,067,573$2,763,040$334,294,280