Can I retire at age 41 with 1,780,000?

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 $1,780,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$146,991$145,681$144,404$143,157$141,940$139,188
2 years$72,768$71,412$70,099$68,826$67,590$64,829
3 years$48,030$46,669$45,359$44,097$42,882$40,197
4 years$35,663$34,307$33,010$31,770$30,584$27,996
5 years$28,246$26,897$25,617$24,402$23,249$20,767
6 years$23,302$21,963$20,702$19,515$18,396$16,021
7 years$19,772$18,445$17,204$16,044$14,961$12,694
8 years$17,126$15,810$14,590$13,459$12,412$10,252
9 years$15,069$13,766$12,566$11,464$10,453$8,399
10 years$13,424$12,134$10,956$9,882$8,906$6,956
11 years$12,079$10,802$9,645$8,600$7,660$5,812
12 years$10,960$9,695$8,560$7,544$6,638$4,889
13 years$10,013$8,762$7,648$6,660$5,788$4,136
14 years$9,202$7,964$6,871$5,912$5,074$3,515
15 years$8,500$7,275$6,204$5,272$4,467$2,998
16 years$7,886$6,675$5,625$4,721$3,948$2,566
17 years$7,345$6,148$5,118$4,242$3,501$2,202
18 years$6,865$5,681$4,672$3,823$3,113$1,893
19 years$6,436$5,265$4,277$3,454$2,774$1,631
20 years$6,050$4,892$3,926$3,128$2,478$1,408
21 years$5,701$4,557$3,611$2,839$2,218$1,217
22 years$5,384$4,254$3,328$2,581$1,988$1,053
23 years$5,096$3,978$3,073$2,351$1,784$912
24 years$4,832$3,728$2,842$2,144$1,604$790
25 years$4,589$3,498$2,632$1,958$1,443$686
26 years$4,366$3,288$2,441$1,790$1,300$595
27 years$4,159$3,094$2,267$1,639$1,172$517
28 years$3,967$2,916$2,107$1,502$1,058$449
29 years$3,789$2,750$1,961$1,377$955$391
30 years$3,623$2,598$1,827$1,264$863$340
31 years$3,468$2,456$1,703$1,161$780$296
32 years$3,324$2,323$1,589$1,067$706$257
33 years$3,188$2,200$1,483$981$639$224
34 years$3,060$2,085$1,386$902$578$195
35 years$2,940$1,978$1,296$831$524$170
36 years$2,827$1,877$1,212$765$475$148
37 years$2,720$1,783$1,135$705$430$129
38 years$2,619$1,695$1,063$650$390$112
39 years$2,524$1,611$995$599$354$98
40 years$2,434$1,533$933$553$321$85
41 years$2,348$1,459$875$510$291$74
42 years$2,266$1,390$821$471$264$65
43 years$2,189$1,324$770$434$240$56
44 years$2,115$1,262$723$401$217$49
45 years$2,045$1,204$679$370$197$43
46 years$1,978$1,148$638$342$179$37
47 years$1,914$1,096$599$316$163$33
48 years$1,852$1,046$563$292$148$28
49 years$1,794$999$529$270$134$25
50 years$1,738$954$497$250$122$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,780,000, adding $4,007 every year, while hoping to spend $52,409 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: 40/48/12 Blend
40$1,780,000$1,780,000$1,780,000$1,780,000
41$1,965,693$1,871,353$1,843,763$2,037,122
42$2,110,431$1,907,287$1,849,767$2,123,854
43$2,268,176$1,943,225$1,854,214$2,212,155
44$2,440,199$1,979,111$1,856,999$2,306,521
45$2,627,899$2,014,888$1,858,009$2,407,527
46$2,832,817$2,050,489$1,857,124$2,515,803
47$3,056,647$2,085,847$1,854,221$2,632,046
48$3,301,258$2,120,886$1,849,170$2,757,027
49$3,568,703$2,155,526$1,841,834$2,891,594
50$3,861,245$2,189,681$1,832,070$3,036,682
51$4,181,375$2,223,258$1,819,727$3,193,325
52$4,531,836$2,256,159$1,804,649$3,362,663
53$4,915,649$2,288,276$1,786,670$3,545,954
54$5,336,140$2,319,497$1,765,619$3,744,585
55$5,796,973$2,349,699$1,741,314$3,960,087
56$6,302,182$2,378,752$1,713,566$4,194,150
57$6,856,211$2,406,517$1,682,176$4,448,639
58$7,463,953$2,432,845$1,646,938$4,725,610
59$8,130,801$2,457,579$1,607,635$5,027,332
60$8,862,690$2,480,548$1,564,038$5,356,311
61$9,666,163$2,501,573$1,515,912$5,715,310
62$10,548,424$2,520,462$1,463,007$6,107,377
63$11,517,409$2,537,011$1,405,063$6,535,875
64$12,581,861$2,551,001$1,341,810$7,004,515
65$13,751,412$2,562,201$1,272,962$7,517,392
66$15,036,673$2,570,366$1,198,223$8,079,022
67$16,449,333$2,575,233$1,117,283$8,694,387
68$18,002,270$2,576,525$1,029,817$9,368,986
69$19,709,673$2,573,946$935,487$10,108,880
70$21,587,172$2,567,182$833,938$10,920,759
71$23,651,991$2,555,901$724,802$11,812,002
72$25,923,103$2,539,749$607,692$12,790,747
73$28,421,415$2,518,352$482,205$13,865,970
74$31,169,960$2,491,312$347,920$15,047,574
75$34,194,118$2,458,209$204,398$16,346,479
76$37,521,853$2,418,596$51,180$17,774,730
77$41,183,974$2,371,999$0$19,345,612
78$45,214,431$2,317,918$0$21,088,157
79$49,650,629$2,255,823$0$23,012,068
80$54,533,787$2,185,151$0$25,128,671
81$59,909,318$2,105,309$0$27,457,685
82$65,827,265$2,015,666$0$30,020,851
83$72,342,770$1,915,557$0$32,842,141
84$79,516,592$1,804,279$0$35,947,982
85$87,415,681$1,681,086$0$39,367,510
86$96,113,812$1,545,191$0$43,132,850
87$105,692,278$1,395,761$0$47,279,414
88$116,240,654$1,231,918$0$51,846,245
89$127,857,650$1,052,731$0$56,876,385
90$140,652,033$857,217$0$62,417,284
91$154,743,660$644,341$0$68,521,252
92$170,264,604$413,004$0$75,245,954
93$187,360,403$162,050$0$82,654,961
94$206,191,430$0$0$90,818,349
95$226,934,411$0$0$99,871,334
96$249,784,087$0$0$109,938,388
97$274,955,054$0$0$121,028,508
98$302,683,789$0$0$133,245,926
99$333,230,879$0$0$146,705,506
100$366,883,483$0$0$161,533,819