Can I retire at age 41 with 1,790,000?

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 $1,790,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$147,817$146,500$145,215$143,961$142,737$137,454
2 years$73,176$71,814$70,493$69,212$67,970$62,707
3 years$48,300$46,931$45,614$44,345$43,123$38,046
4 years$35,864$34,499$33,195$31,948$30,756$25,903
5 years$28,404$27,048$25,761$24,539$23,380$18,764
6 years$23,433$22,087$20,818$19,624$18,500$14,124
7 years$19,883$18,548$17,300$16,134$15,045$10,909
8 years$17,222$15,899$14,672$13,534$12,482$8,580
9 years$15,153$13,843$12,637$11,528$10,511$6,840
10 years$13,500$12,202$11,017$9,938$8,956$5,508
11 years$12,147$10,863$9,699$8,649$7,703$4,471
12 years$11,021$9,750$8,608$7,586$6,675$3,651
13 years$10,069$8,811$7,691$6,697$5,821$2,996
14 years$9,254$8,009$6,910$5,945$5,102$2,468
15 years$8,548$7,316$6,239$5,302$4,492$2,040
16 years$7,930$6,713$5,656$4,747$3,970$1,690
17 years$7,386$6,182$5,147$4,265$3,520$1,404
18 years$6,903$5,713$4,699$3,844$3,130$1,168
19 years$6,472$5,294$4,301$3,473$2,790$973
20 years$6,084$4,920$3,948$3,146$2,492$811
21 years$5,733$4,583$3,631$2,855$2,230$677
22 years$5,415$4,278$3,347$2,596$1,999$566
23 years$5,125$4,001$3,090$2,364$1,794$473
24 years$4,859$3,748$2,858$2,156$1,613$396
25 years$4,615$3,518$2,647$1,969$1,451$331
26 years$4,390$3,306$2,455$1,801$1,307$277
27 years$4,182$3,111$2,279$1,648$1,179$232
28 years$3,990$2,932$2,119$1,510$1,064$194
29 years$3,810$2,766$1,972$1,385$960$163
30 years$3,644$2,612$1,837$1,271$868$137
31 years$3,488$2,469$1,712$1,167$785$114
32 years$3,342$2,336$1,598$1,073$710$96
33 years$3,206$2,213$1,492$986$642$80
34 years$3,077$2,097$1,394$908$581$67
35 years$2,957$1,989$1,303$835$527$57
36 years$2,843$1,888$1,219$769$477$47
37 years$2,736$1,793$1,141$709$432$40
38 years$2,634$1,704$1,069$653$392$33
39 years$2,538$1,620$1,001$602$356$28
40 years$2,447$1,542$938$556$323$23
41 years$2,361$1,468$880$513$293$20
42 years$2,279$1,398$825$473$265$17
43 years$2,201$1,332$774$437$241$14
44 years$2,127$1,269$727$403$219$12
45 years$2,056$1,210$683$372$199$10
46 years$1,989$1,155$641$344$180$8
47 years$1,924$1,102$602$318$164$7
48 years$1,863$1,052$566$294$149$6
49 years$1,804$1,005$532$271$135$5
50 years$1,748$960$500$251$123$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,790,000, adding $3,173 every year, while hoping to spend $32,278 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: 32/49/19 Blend
40$1,790,000$1,790,000$1,790,000$1,790,000
41$1,975,853$1,880,983$1,853,238$2,027,314
42$2,143,046$1,938,808$1,880,978$2,123,813
43$2,326,212$1,998,384$1,908,565$2,224,512
44$2,526,944$2,059,763$1,935,961$2,332,298
45$2,747,000$2,122,999$1,963,123$2,447,809
46$2,988,314$2,188,147$1,990,008$2,571,747
47$3,253,018$2,255,262$2,016,569$2,704,882
48$3,543,458$2,324,402$2,042,757$2,848,064
49$3,862,221$2,395,627$2,068,518$3,002,223
50$4,212,152$2,468,998$2,093,799$3,168,385
51$4,596,390$2,544,577$2,118,540$3,347,677
52$5,018,391$2,622,430$2,142,680$3,541,339
53$5,481,960$2,702,623$2,166,153$3,750,734
54$5,991,292$2,785,223$2,188,891$3,977,363
55$6,551,006$2,870,301$2,210,821$4,222,877
56$7,166,191$2,957,929$2,231,866$4,489,092
57$7,842,456$3,048,180$2,251,947$4,778,008
58$8,585,977$3,141,132$2,270,977$5,091,827
59$9,403,560$3,236,861$2,288,869$5,432,970
60$10,302,704$3,335,447$2,305,526$5,804,106
61$11,291,670$3,436,974$2,320,852$6,208,169
62$12,379,560$3,541,526$2,334,740$6,648,393
63$13,576,403$3,649,189$2,347,082$7,128,338
64$14,893,250$3,760,053$2,357,763$7,651,924
65$16,342,274$3,874,208$2,366,661$8,223,467
66$17,936,891$3,991,750$2,373,649$8,847,722
67$19,691,882$4,112,773$2,378,594$9,529,924
68$21,623,533$4,237,378$2,381,356$10,275,840
69$23,749,790$4,365,666$2,381,788$11,091,821
70$26,090,425$4,497,740$2,379,734$11,984,865
71$28,667,227$4,633,708$2,375,034$12,962,676
72$31,504,203$4,773,679$2,367,517$14,033,746
73$34,627,808$4,917,765$2,357,005$15,207,424
74$38,067,191$5,066,083$2,343,311$16,494,014
75$41,854,473$5,218,749$2,326,240$17,904,865
76$46,025,047$5,375,885$2,305,587$19,452,480
77$50,617,914$5,537,616$2,281,136$21,150,634
78$55,676,050$5,704,068$2,252,664$23,014,505
79$61,246,813$5,875,373$2,219,933$25,060,811
80$67,382,385$6,051,663$2,182,698$27,307,978
81$74,140,269$6,233,076$2,140,700$29,776,301
82$81,583,832$6,419,752$2,093,668$32,488,145
83$89,782,898$6,611,835$2,041,321$35,468,153
84$98,814,410$6,809,471$1,983,362$38,743,474
85$108,763,156$7,012,812$1,919,481$42,344,026
86$119,722,570$7,222,011$1,849,355$46,302,773
87$131,795,609$7,437,227$1,772,646$50,656,036
88$145,095,730$7,658,620$1,688,998$55,443,839
89$159,747,958$7,886,356$1,598,044$60,710,283
90$175,890,066$8,120,604$1,499,394$66,503,963
91$193,673,875$8,361,536$1,392,647$72,878,427
92$213,266,688$8,609,329$1,277,378$79,892,682
93$234,852,868$8,864,163$1,153,147$87,611,746
94$258,635,576$9,126,223$1,019,493$96,107,269
95$284,838,694$9,395,697$875,935$105,458,201
96$313,708,932$9,672,777$721,970$115,751,543
97$345,518,160$9,957,660$557,073$127,083,165
98$380,565,973$10,250,546$380,696$139,558,713
99$419,182,519$10,551,640$192,266$153,294,604
100$461,731,616$10,861,150$0$168,419,123