Can I retire at age 41 with 1,800,000?

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 $1,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$148,642$147,318$146,027$144,766$143,535$140,122
2 years$73,585$72,215$70,887$69,599$68,350$64,931
3 years$48,570$47,193$45,868$44,593$43,364$40,047
4 years$36,064$34,692$33,380$32,127$30,928$27,737
5 years$28,563$27,199$25,905$24,676$23,511$20,456
6 years$23,564$22,210$20,935$19,734$18,603$15,687
7 years$19,994$18,652$17,397$16,224$15,129$12,352
8 years$17,318$15,988$14,754$13,610$12,551$9,912
9 years$15,238$13,921$12,708$11,593$10,570$8,067
10 years$13,575$12,270$11,079$9,993$9,006$6,637
11 years$12,215$10,924$9,754$8,697$7,746$5,506
12 years$11,083$9,804$8,656$7,628$6,712$4,599
13 years$10,125$8,860$7,734$6,735$5,853$3,862
14 years$9,305$8,054$6,949$5,978$5,131$3,257
15 years$8,595$7,357$6,274$5,332$4,518$2,757
16 years$7,975$6,750$5,688$4,774$3,993$2,341
17 years$7,428$6,217$5,176$4,289$3,540$1,993
18 years$6,942$5,744$4,725$3,866$3,148$1,700
19 years$6,508$5,324$4,325$3,493$2,806$1,453
20 years$6,118$4,947$3,970$3,163$2,506$1,244
21 years$5,765$4,608$3,651$2,871$2,243$1,066
22 years$5,445$4,302$3,365$2,610$2,010$914
23 years$5,153$4,023$3,107$2,377$1,804$785
24 years$4,886$3,769$2,874$2,168$1,622$675
25 years$4,641$3,537$2,662$1,980$1,459$580
26 years$4,415$3,325$2,468$1,811$1,315$499
27 years$4,206$3,129$2,292$1,657$1,185$430
28 years$4,012$2,948$2,131$1,518$1,069$370
29 years$3,832$2,781$1,983$1,392$966$319
30 years$3,664$2,627$1,847$1,278$873$275
31 years$3,507$2,483$1,722$1,174$789$237
32 years$3,361$2,350$1,607$1,079$714$204
33 years$3,224$2,225$1,500$992$646$176
34 years$3,095$2,109$1,402$913$585$152
35 years$2,973$2,000$1,310$840$530$131
36 years$2,859$1,898$1,226$774$480$113
37 years$2,751$1,803$1,147$713$435$98
38 years$2,649$1,714$1,074$657$394$84
39 years$2,552$1,629$1,007$606$358$73
40 years$2,461$1,550$944$559$324$63
41 years$2,374$1,476$885$516$294$54
42 years$2,292$1,405$830$476$267$47
43 years$2,213$1,339$779$439$242$40
44 years$2,139$1,276$731$406$220$35
45 years$2,068$1,217$686$375$200$30
46 years$2,000$1,161$645$346$181$26
47 years$1,935$1,108$606$320$165$22
48 years$1,873$1,058$569$295$149$19
49 years$1,814$1,010$535$273$136$17
50 years$1,757$965$503$252$123$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,800,000, adding $4,537 every year, while hoping to spend $23,647 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: 47/37/16 Blend
40$1,800,000$1,800,000$1,800,000$1,800,000
41$1,988,280$1,892,880$1,864,980$2,072,552
42$2,165,924$1,960,471$1,902,297$2,199,097
43$2,360,896$2,030,581$1,940,071$2,333,596
44$2,574,937$2,103,309$1,978,293$2,479,063
45$2,809,967$2,178,758$2,016,952$2,636,531
46$3,068,100$2,257,034$2,056,037$2,807,135
47$3,351,666$2,338,248$2,095,533$2,992,122
48$3,663,229$2,422,516$2,135,427$3,192,863
49$4,005,618$2,509,958$2,175,704$3,410,867
50$4,381,946$2,600,701$2,216,344$3,647,793
51$4,795,643$2,694,874$2,257,330$3,905,465
52$5,250,490$2,792,614$2,298,642$4,185,890
53$5,750,650$2,894,062$2,340,257$4,491,277
54$6,300,712$2,999,367$2,382,151$4,824,055
55$6,905,730$3,108,682$2,424,299$5,186,898
56$7,571,274$3,222,167$2,466,673$5,582,749
57$8,303,480$3,339,989$2,509,242$6,014,845
58$9,109,110$3,462,323$2,551,976$6,486,750
59$9,995,611$3,589,349$2,594,840$7,002,388
60$10,971,193$3,721,256$2,637,796$7,566,078
61$12,044,899$3,858,242$2,680,807$8,182,573
62$13,226,695$4,000,512$2,723,830$8,857,107
63$14,527,560$4,148,279$2,766,820$9,595,444
64$15,959,593$4,301,767$2,809,731$10,403,929
65$17,536,125$4,461,207$2,852,511$11,289,548
66$19,271,847$4,626,843$2,895,106$12,259,995
67$21,182,943$4,798,927$2,937,461$13,323,742
68$23,287,251$4,977,721$2,979,513$14,490,119
69$25,604,422$5,163,502$3,021,199$15,769,402
70$28,156,115$5,356,555$3,062,450$17,172,907
71$30,966,191$5,557,179$3,103,195$18,713,099
72$34,060,947$5,765,685$3,143,356$20,403,704
73$37,469,358$5,982,398$3,182,853$22,259,844
74$41,223,354$6,207,657$3,221,600$24,298,175
75$45,358,120$6,441,816$3,259,508$26,537,040
76$49,912,427$6,685,243$3,296,479$28,996,650
77$54,928,997$6,938,323$3,332,415$31,699,266
78$60,454,912$7,201,458$3,367,207$34,669,409
79$66,542,049$7,475,065$3,400,745$37,934,095
80$73,247,577$7,759,583$3,432,909$41,523,083
81$80,634,493$8,055,466$3,463,575$45,469,158
82$88,772,219$8,363,191$3,492,612$49,808,440
83$97,737,252$8,683,254$3,519,881$54,580,721
84$107,613,892$9,016,174$3,545,237$59,829,838
85$118,495,033$9,362,491$3,568,527$65,604,092
86$130,483,044$9,722,770$3,589,590$71,956,696
87$143,690,729$10,097,600$3,608,256$78,946,275
88$158,242,399$10,487,598$3,624,348$86,637,426
89$174,275,037$10,893,404$3,637,678$95,101,317
90$191,939,601$11,315,691$3,648,049$104,416,361
91$211,402,438$11,755,157$3,655,257$114,668,956
92$232,846,861$12,212,535$3,659,083$125,954,294
93$256,474,880$12,688,587$3,659,300$138,377,263
94$282,509,101$13,184,112$3,655,671$152,053,431
95$311,194,838$13,699,942$3,647,944$167,110,136
96$342,802,418$14,236,946$3,635,857$183,687,688
97$377,629,742$14,796,033$3,619,135$201,940,688
98$416,005,089$15,378,152$3,597,490$222,039,485
99$458,290,220$15,984,294$3,570,618$244,171,786
100$504,883,793$16,615,494$3,538,204$268,544,420