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%19%
1 years$148,642$147,318$146,027$144,766$143,535$138,332
2 years$73,585$72,215$70,887$69,599$68,350$63,165
3 years$48,570$47,193$45,868$44,593$43,364$38,360
4 years$36,064$34,692$33,380$32,127$30,928$26,143
5 years$28,563$27,199$25,905$24,676$23,511$18,958
6 years$23,564$22,210$20,935$19,734$18,603$14,286
7 years$19,994$18,652$17,397$16,224$15,129$11,046
8 years$17,318$15,988$14,754$13,610$12,551$8,699
9 years$15,238$13,921$12,708$11,593$10,570$6,943
10 years$13,575$12,270$11,079$9,993$9,006$5,598
11 years$12,215$10,924$9,754$8,697$7,746$4,550
12 years$11,083$9,804$8,656$7,628$6,712$3,721
13 years$10,125$8,860$7,734$6,735$5,853$3,057
14 years$9,305$8,054$6,949$5,978$5,131$2,522
15 years$8,595$7,357$6,274$5,332$4,518$2,088
16 years$7,975$6,750$5,688$4,774$3,993$1,732
17 years$7,428$6,217$5,176$4,289$3,540$1,441
18 years$6,942$5,744$4,725$3,866$3,148$1,200
19 years$6,508$5,324$4,325$3,493$2,806$1,001
20 years$6,118$4,947$3,970$3,163$2,506$836
21 years$5,765$4,608$3,651$2,871$2,243$699
22 years$5,445$4,302$3,365$2,610$2,010$585
23 years$5,153$4,023$3,107$2,377$1,804$490
24 years$4,886$3,769$2,874$2,168$1,622$410
25 years$4,641$3,537$2,662$1,980$1,459$344
26 years$4,415$3,325$2,468$1,811$1,315$289
27 years$4,206$3,129$2,292$1,657$1,185$242
28 years$4,012$2,948$2,131$1,518$1,069$203
29 years$3,832$2,781$1,983$1,392$966$170
30 years$3,664$2,627$1,847$1,278$873$143
31 years$3,507$2,483$1,722$1,174$789$120
32 years$3,361$2,350$1,607$1,079$714$101
33 years$3,224$2,225$1,500$992$646$85
34 years$3,095$2,109$1,402$913$585$71
35 years$2,973$2,000$1,310$840$530$60
36 years$2,859$1,898$1,226$774$480$50
37 years$2,751$1,803$1,147$713$435$42
38 years$2,649$1,714$1,074$657$394$35
39 years$2,552$1,629$1,007$606$358$30
40 years$2,461$1,550$944$559$324$25
41 years$2,374$1,476$885$516$294$21
42 years$2,292$1,405$830$476$267$18
43 years$2,213$1,339$779$439$242$15
44 years$2,139$1,276$731$406$220$12
45 years$2,068$1,217$686$375$200$10
46 years$2,000$1,161$645$346$181$9
47 years$1,935$1,108$606$320$165$7
48 years$1,873$1,058$569$295$149$6
49 years$1,814$1,010$535$273$136$5
50 years$1,757$965$503$252$123$4

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 $2,802 every year, while hoping to spend $47,700 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: 58/29/13 Blend
40$1,800,000$1,800,000$1,800,000$1,800,000
41$1,986,490$1,891,090$1,863,190$2,095,078
42$2,138,360$1,933,001$1,874,855$2,210,633
43$2,304,121$1,975,367$1,885,311$2,330,999
44$2,485,142$2,018,160$1,894,469$2,461,076
45$2,682,925$2,061,349$1,902,232$2,601,805
46$2,899,127$2,104,899$1,908,501$2,754,220
47$3,135,573$2,148,773$1,913,171$2,919,461
48$3,394,269$2,192,931$1,916,129$3,098,785
49$3,677,426$2,237,326$1,917,261$3,293,575
50$3,987,479$2,281,911$1,916,445$3,505,357
51$4,327,108$2,326,631$1,913,553$3,735,809
52$4,699,266$2,371,429$1,908,450$3,986,784
53$5,107,205$2,416,242$1,900,996$4,260,323
54$5,554,504$2,461,002$1,891,044$4,558,673
55$6,045,108$2,505,636$1,878,439$4,884,312
56$6,583,362$2,550,065$1,863,019$5,239,972
57$7,174,049$2,594,202$1,844,614$5,628,662
58$7,822,441$2,637,957$1,823,048$6,053,699
59$8,534,342$2,681,230$1,798,132$6,518,739
60$9,316,149$2,723,914$1,769,674$7,027,810
61$10,174,907$2,765,896$1,737,468$7,585,355
62$11,118,376$2,807,053$1,701,302$8,196,268
63$12,155,106$2,847,255$1,660,951$8,865,944
64$13,294,516$2,886,360$1,616,182$9,600,329
65$14,546,983$2,924,217$1,566,751$10,405,977
66$15,923,939$2,960,668$1,512,401$11,290,112
67$17,437,979$2,995,539$1,452,865$12,260,697
68$19,102,980$3,028,648$1,387,863$13,326,507
69$20,934,231$3,059,798$1,317,103$14,497,217
70$22,948,575$3,088,781$1,240,279$15,783,488
71$25,164,573$3,115,374$1,157,071$17,197,071
72$27,602,673$3,139,341$1,067,146$18,750,922
73$30,285,405$3,160,428$970,155$20,459,316
74$33,237,595$3,178,367$865,734$22,337,990
75$36,486,595$3,192,873$753,501$24,404,290
76$40,062,544$3,203,640$633,060$26,677,333
77$43,998,650$3,210,346$503,994$29,178,191
78$48,331,506$3,212,646$365,872$31,930,089
79$53,101,431$3,210,177$218,240$34,958,628
80$58,352,852$3,202,550$60,625$38,292,021
81$64,134,722$3,189,354$0$41,961,367
82$70,500,984$3,170,153$0$46,015,864
83$77,511,077$3,144,484$0$50,488,313
84$85,230,499$3,111,855$0$55,412,010
85$93,731,420$3,071,746$0$60,832,924
86$103,093,368$3,023,605$0$66,801,718
87$113,403,977$2,966,847$0$73,374,226
88$124,759,813$2,900,853$0$80,611,981
89$137,267,287$2,824,968$0$88,582,796
90$151,043,655$2,738,496$0$97,361,405
91$166,218,129$2,640,703$0$107,030,171
92$182,933,091$2,530,811$0$117,679,862
93$201,345,442$2,407,997$0$129,410,512
94$221,628,078$2,271,389$0$142,332,364
95$243,971,523$2,120,069$0$156,566,913
96$268,585,727$1,953,060$0$172,248,053
97$295,702,047$1,769,336$0$189,523,346
98$325,575,429$1,567,807$0$208,555,412
99$358,486,817$1,347,324$0$229,523,467
100$394,745,802$1,106,672$0$252,625,021