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

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 $1,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$148,642$147,318$146,027$144,766$143,535$140,522
2 years$73,585$72,215$70,887$69,599$68,350$65,328
3 years$48,570$47,193$45,868$44,593$43,364$40,429
4 years$36,064$34,692$33,380$32,127$30,928$28,101
5 years$28,563$27,199$25,905$24,676$23,511$20,800
6 years$23,564$22,210$20,935$19,734$18,603$16,012
7 years$19,994$18,652$17,397$16,224$15,129$12,658
8 years$17,318$15,988$14,754$13,610$12,551$10,200
9 years$15,238$13,921$12,708$11,593$10,570$8,336
10 years$13,575$12,270$11,079$9,993$9,006$6,887
11 years$12,215$10,924$9,754$8,697$7,746$5,739
12 years$11,083$9,804$8,656$7,628$6,712$4,815
13 years$10,125$8,860$7,734$6,735$5,853$4,063
14 years$9,305$8,054$6,949$5,978$5,131$3,443
15 years$8,595$7,357$6,274$5,332$4,518$2,929
16 years$7,975$6,750$5,688$4,774$3,993$2,500
17 years$7,428$6,217$5,176$4,289$3,540$2,139
18 years$6,942$5,744$4,725$3,866$3,148$1,834
19 years$6,508$5,324$4,325$3,493$2,806$1,575
20 years$6,118$4,947$3,970$3,163$2,506$1,356
21 years$5,765$4,608$3,651$2,871$2,243$1,168
22 years$5,445$4,302$3,365$2,610$2,010$1,007
23 years$5,153$4,023$3,107$2,377$1,804$870
24 years$4,886$3,769$2,874$2,168$1,622$752
25 years$4,641$3,537$2,662$1,980$1,459$650
26 years$4,415$3,325$2,468$1,811$1,315$563
27 years$4,206$3,129$2,292$1,657$1,185$487
28 years$4,012$2,948$2,131$1,518$1,069$422
29 years$3,832$2,781$1,983$1,392$966$366
30 years$3,664$2,627$1,847$1,278$873$317
31 years$3,507$2,483$1,722$1,174$789$275
32 years$3,361$2,350$1,607$1,079$714$238
33 years$3,224$2,225$1,500$992$646$207
34 years$3,095$2,109$1,402$913$585$179
35 years$2,973$2,000$1,310$840$530$156
36 years$2,859$1,898$1,226$774$480$135
37 years$2,751$1,803$1,147$713$435$117
38 years$2,649$1,714$1,074$657$394$102
39 years$2,552$1,629$1,007$606$358$88
40 years$2,461$1,550$944$559$324$77
41 years$2,374$1,476$885$516$294$67
42 years$2,292$1,405$830$476$267$58
43 years$2,213$1,339$779$439$242$50
44 years$2,139$1,276$731$406$220$44
45 years$2,068$1,217$686$375$200$38
46 years$2,000$1,161$645$346$181$33
47 years$1,935$1,108$606$320$165$29
48 years$1,873$1,058$569$295$149$25
49 years$1,814$1,010$535$273$136$22
50 years$1,757$965$503$252$123$19

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 $2,502 every year, while hoping to spend $54,074 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: 36/34/30 Blend
40$1,800,000$1,800,000$1,800,000$1,800,000
41$1,986,181$1,890,781$1,862,881$2,039,746
42$2,131,237$1,925,895$1,867,753$2,115,140
43$2,289,276$1,960,917$1,870,976$2,191,443
44$2,461,567$1,995,786$1,872,438$2,272,802
45$2,649,502$2,030,435$1,872,020$2,359,710
46$2,854,618$2,064,793$1,869,599$2,452,714
47$3,078,604$2,098,783$1,865,046$2,552,414
48$3,323,320$2,132,321$1,858,223$2,659,479
49$3,590,814$2,165,321$1,848,989$2,774,644
50$3,883,341$2,197,685$1,837,194$2,898,725
51$4,203,383$2,229,313$1,822,681$3,032,619
52$4,553,673$2,260,095$1,805,286$3,177,324
53$4,937,221$2,289,913$1,784,837$3,333,937
54$5,357,343$2,318,644$1,761,154$3,503,673
55$5,817,687$2,346,152$1,734,048$3,687,875
56$6,322,274$2,372,297$1,703,322$3,888,025
57$6,875,531$2,396,925$1,668,768$4,105,761
58$7,482,335$2,419,873$1,630,171$4,342,893
59$8,148,056$2,440,970$1,587,305$4,601,420
60$8,878,609$2,460,029$1,539,932$4,883,549
61$9,680,512$2,476,855$1,487,804$5,191,720
62$10,560,942$2,491,239$1,430,663$5,528,625
63$11,527,806$2,502,958$1,368,238$5,897,238
64$12,589,814$2,511,774$1,300,246$6,300,842
65$13,756,562$2,517,438$1,226,390$6,743,062
66$15,038,618$2,519,680$1,146,362$7,227,901
67$16,447,630$2,518,216$1,059,838$7,759,778
68$17,996,426$2,512,746$966,480$8,343,569
69$19,699,139$2,502,949$865,935$8,984,659
70$21,571,343$2,488,485$757,835$9,688,990
71$23,630,192$2,468,993$641,795$10,463,120
72$25,894,589$2,444,091$517,412$11,314,288
73$28,385,359$2,413,373$384,267$12,250,480
74$31,125,447$2,376,410$241,922$13,280,511
75$34,140,135$2,332,747$89,919$14,414,107
76$37,457,278$2,281,901$0$15,661,998
77$41,107,568$2,223,361$0$17,059,166
78$45,124,820$2,156,586$0$18,627,751
79$49,546,298$2,081,004$0$20,353,517
80$54,413,056$1,996,010$0$22,252,535
81$59,770,334$1,900,961$0$24,342,522
82$65,667,980$1,795,180$0$26,643,010
83$72,160,920$1,677,949$0$29,175,533
84$79,309,676$1,548,511$0$31,963,827
85$87,180,937$1,406,063$0$35,034,064
86$95,848,191$1,249,757$0$38,415,093
87$105,392,410$1,078,699$0$42,138,717
88$115,902,822$891,941$0$46,239,994
89$127,477,748$688,485$0$50,757,572
90$140,225,531$467,274$0$55,734,056
91$154,265,558$227,192$0$61,216,407
92$169,729,383$0$0$67,256,395
93$186,761,973$0$0$73,923,408
94$205,523,074$0$0$81,360,995
95$226,188,716$0$0$89,553,984
96$248,952,875$0$0$98,579,323
97$274,029,305$0$0$108,521,809
98$301,653,553$0$0$119,474,881
99$332,085,181$0$0$131,541,507
100$365,610,220$0$0$144,835,156