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%13.4%
1 years$146,991$145,681$144,404$143,157$141,940$139,934
2 years$72,768$71,412$70,099$68,826$67,590$65,574
3 years$48,030$46,669$45,359$44,097$42,882$40,917
4 years$35,663$34,307$33,010$31,770$30,584$28,685
5 years$28,246$26,897$25,617$24,402$23,249$21,423
6 years$23,302$21,963$20,702$19,515$18,396$16,645
7 years$19,772$18,445$17,204$16,044$14,961$13,284
8 years$17,126$15,810$14,590$13,459$12,412$10,810
9 years$15,069$13,766$12,566$11,464$10,453$8,924
10 years$13,424$12,134$10,956$9,882$8,906$7,451
11 years$12,079$10,802$9,645$8,600$7,660$6,276
12 years$10,960$9,695$8,560$7,544$6,638$5,324
13 years$10,013$8,762$7,648$6,660$5,788$4,542
14 years$9,202$7,964$6,871$5,912$5,074$3,894
15 years$8,500$7,275$6,204$5,272$4,467$3,352
16 years$7,886$6,675$5,625$4,721$3,948$2,894
17 years$7,345$6,148$5,118$4,242$3,501$2,507
18 years$6,865$5,681$4,672$3,823$3,113$2,176
19 years$6,436$5,265$4,277$3,454$2,774$1,893
20 years$6,050$4,892$3,926$3,128$2,478$1,650
21 years$5,701$4,557$3,611$2,839$2,218$1,440
22 years$5,384$4,254$3,328$2,581$1,988$1,258
23 years$5,096$3,978$3,073$2,351$1,784$1,101
24 years$4,832$3,728$2,842$2,144$1,604$964
25 years$4,589$3,498$2,632$1,958$1,443$845
26 years$4,366$3,288$2,441$1,790$1,300$741
27 years$4,159$3,094$2,267$1,639$1,172$651
28 years$3,967$2,916$2,107$1,502$1,058$571
29 years$3,789$2,750$1,961$1,377$955$502
30 years$3,623$2,598$1,827$1,264$863$441
31 years$3,468$2,456$1,703$1,161$780$388
32 years$3,324$2,323$1,589$1,067$706$341
33 years$3,188$2,200$1,483$981$639$300
34 years$3,060$2,085$1,386$902$578$264
35 years$2,940$1,978$1,296$831$524$233
36 years$2,827$1,877$1,212$765$475$205
37 years$2,720$1,783$1,135$705$430$181
38 years$2,619$1,695$1,063$650$390$159
39 years$2,524$1,611$995$599$354$140
40 years$2,434$1,533$933$553$321$123
41 years$2,348$1,459$875$510$291$109
42 years$2,266$1,390$821$471$264$96
43 years$2,189$1,324$770$434$240$84
44 years$2,115$1,262$723$401$217$74
45 years$2,045$1,204$679$370$197$66
46 years$1,978$1,148$638$342$179$58
47 years$1,914$1,096$599$316$163$51
48 years$1,852$1,046$563$292$148$45
49 years$1,794$999$529$270$134$40
50 years$1,738$954$497$250$122$35

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 $5,408 every year, while hoping to spend $39,583 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: 56/25/19 Blend
40$1,780,000$1,780,000$1,780,000$1,780,000
41$1,967,138$1,872,798$1,845,208$2,067,014
42$2,125,670$1,922,449$1,864,907$2,185,348
43$2,299,046$1,973,207$1,883,939$2,309,491
44$2,488,738$2,025,083$1,902,239$2,443,855
45$2,696,366$2,078,089$1,919,742$2,589,431
46$2,923,717$2,132,237$1,936,374$2,747,311
47$3,172,756$2,187,536$1,952,062$2,918,694
48$3,445,647$2,243,996$1,966,727$3,104,904
49$3,744,775$2,301,624$1,980,284$3,307,398
50$4,072,766$2,360,427$1,992,648$3,527,782
51$4,432,512$2,420,412$2,003,725$3,767,823
52$4,827,198$2,481,582$2,013,420$4,029,470
53$5,260,334$2,543,940$2,021,630$4,314,869
54$5,735,782$2,607,488$2,028,250$4,626,385
55$6,257,802$2,672,225$2,033,166$4,966,622
56$6,831,083$2,738,149$2,036,262$5,338,452
57$7,460,790$2,805,255$2,037,413$5,745,036
58$8,152,614$2,873,536$2,036,491$6,189,861
59$8,912,826$2,942,984$2,033,358$6,676,765
60$9,748,332$3,013,588$2,027,873$7,209,981
61$10,666,740$3,085,333$2,019,886$7,794,172
62$11,676,435$3,158,201$2,009,239$8,434,475
63$12,786,652$3,232,174$1,995,769$9,136,553
64$14,007,566$3,307,226$1,979,304$9,906,646
65$15,350,390$3,383,332$1,959,661$10,751,629
66$16,827,473$3,460,459$1,936,654$11,679,081
67$18,452,427$3,538,572$1,910,083$12,697,351
68$20,240,245$3,617,633$1,879,741$13,815,644
69$22,207,449$3,697,596$1,845,412$15,044,099
70$24,372,243$3,778,413$1,806,868$16,393,894
71$26,754,684$3,860,028$1,763,870$17,877,346
72$29,376,874$3,942,381$1,716,172$19,508,029
73$32,263,163$4,025,405$1,663,511$21,300,903
74$35,440,383$4,109,028$1,605,617$23,272,454
75$38,938,101$4,193,169$1,542,204$25,440,851
76$42,788,894$4,277,741$1,472,974$27,826,117
77$47,028,660$4,362,650$1,397,618$30,450,319
78$51,696,955$4,447,790$1,315,809$33,337,778
79$56,837,363$4,533,051$1,227,208$36,515,295
80$62,497,914$4,618,310$1,131,459$40,012,408
81$68,731,529$4,703,436$1,028,191$43,861,670
82$75,596,527$4,788,285$917,017$48,098,955
83$83,157,167$4,872,706$797,531$52,763,801
84$91,484,261$4,956,532$669,312$57,899,781
85$100,655,838$5,039,584$531,916$63,554,915
86$110,757,882$5,121,672$384,884$69,782,125
87$121,885,141$5,202,590$227,733$76,639,735
88$134,142,025$5,282,116$59,961$84,192,020
89$147,643,585$5,360,013$0$92,509,817
90$162,516,606$5,436,029$0$101,695,334
91$178,900,796$5,509,890$0$111,825,006
92$196,950,109$5,581,307$0$122,981,596
93$216,834,198$5,649,968$0$135,269,717
94$238,740,011$5,715,542$0$148,804,651
95$262,873,563$5,777,674$0$163,713,439
96$289,461,872$5,835,986$0$180,136,080
97$318,755,107$5,890,073$0$198,226,852
98$351,028,948$5,939,507$0$218,155,768
99$386,587,187$5,983,829$0$240,110,183
100$425,764,595$6,022,552$0$264,296,563