Can I retire at age 41 with 1,810,000?

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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$149,468$148,137$146,838$145,570$144,332$139,768
2 years$73,994$72,616$71,280$69,986$68,729$64,173
3 years$48,839$47,455$46,123$44,840$43,605$39,198
4 years$36,265$34,885$33,566$32,305$31,099$26,876
5 years$28,722$27,350$26,048$24,813$23,641$19,614
6 years$23,695$22,333$21,051$19,843$18,706$14,878
7 years$20,105$18,756$17,494$16,314$15,213$11,583
8 years$17,414$16,077$14,836$13,686$12,621$9,186
9 years$15,323$13,998$12,778$11,657$10,629$7,386
10 years$13,650$12,338$11,140$10,049$9,056$6,001
11 years$12,283$10,984$9,808$8,745$7,789$4,915
12 years$11,144$9,859$8,704$7,671$6,749$4,051
13 years$10,182$8,909$7,777$6,772$5,886$3,357
14 years$9,357$8,098$6,987$6,012$5,159$2,793
15 years$8,643$7,398$6,309$5,361$4,543$2,331
16 years$8,019$6,788$5,720$4,800$4,015$1,951
17 years$7,469$6,251$5,205$4,313$3,560$1,637
18 years$6,980$5,776$4,751$3,887$3,165$1,376
19 years$6,544$5,353$4,349$3,512$2,821$1,158
20 years$6,152$4,975$3,992$3,181$2,520$976
21 years$5,797$4,634$3,672$2,887$2,255$824
22 years$5,475$4,325$3,384$2,625$2,021$696
23 years$5,182$4,045$3,124$2,391$1,815$588
24 years$4,913$3,790$2,890$2,180$1,631$498
25 years$4,666$3,557$2,676$1,991$1,468$421
26 years$4,439$3,343$2,482$1,821$1,322$357
27 years$4,229$3,146$2,305$1,666$1,192$302
28 years$4,034$2,965$2,143$1,527$1,075$256
29 years$3,853$2,797$1,994$1,400$971$217
30 years$3,684$2,641$1,857$1,285$877$184
31 years$3,527$2,497$1,732$1,180$793$156
32 years$3,380$2,363$1,616$1,085$718$132
33 years$3,241$2,237$1,508$997$649$112
34 years$3,112$2,121$1,409$918$588$95
35 years$2,990$2,011$1,318$845$533$81
36 years$2,875$1,909$1,233$778$483$69
37 years$2,766$1,813$1,154$717$437$58
38 years$2,664$1,723$1,080$661$396$49
39 years$2,567$1,639$1,012$609$360$42
40 years$2,475$1,559$949$562$326$36
41 years$2,387$1,484$890$518$296$30
42 years$2,304$1,413$835$478$268$26
43 years$2,226$1,347$783$442$244$22
44 years$2,151$1,284$735$408$221$18
45 years$2,079$1,224$690$377$201$16
46 years$2,011$1,168$648$348$182$13
47 years$1,946$1,114$609$321$166$11
48 years$1,884$1,064$572$297$150$10
49 years$1,824$1,016$538$274$137$8
50 years$1,767$970$506$254$124$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,810,000, adding $2,675 every year, while hoping to spend $27,340 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: 35/35/30 Blend
40$1,810,000$1,810,000$1,810,000$1,810,000
41$1,997,379$1,901,449$1,873,394$2,049,179
42$2,172,022$1,965,531$1,907,063$2,152,508
43$2,363,563$2,031,836$1,940,944$2,261,292
44$2,573,695$2,100,445$1,975,015$2,378,153
45$2,804,286$2,171,441$2,009,252$2,503,834
46$3,057,392$2,244,909$2,043,630$2,639,153
47$3,335,276$2,320,941$2,078,123$2,785,008
48$3,640,436$2,399,628$2,112,701$2,942,386
49$3,975,617$2,481,067$2,147,333$3,112,373
50$4,343,849$2,565,358$2,181,988$3,296,164
51$4,748,466$2,652,605$2,216,629$3,495,072
52$5,193,142$2,742,916$2,251,219$3,710,542
53$5,681,926$2,836,402$2,285,718$3,944,165
54$6,219,278$2,933,180$2,320,084$4,197,689
55$6,810,109$3,033,371$2,354,272$4,473,042
56$7,459,834$3,137,100$2,388,234$4,772,341
57$8,174,416$3,244,497$2,421,919$5,097,919
58$8,960,427$3,355,698$2,455,274$5,452,344
59$9,825,106$3,470,842$2,488,240$5,838,442
60$10,776,429$3,590,076$2,520,759$6,259,324
61$11,823,186$3,713,551$2,552,766$6,718,417
62$12,975,060$3,841,425$2,584,193$7,219,491
63$14,242,722$3,973,860$2,614,969$7,766,701
64$15,637,928$4,111,027$2,645,018$8,364,620
65$17,173,632$4,253,103$2,674,262$9,018,285
66$18,864,107$4,400,270$2,702,615$9,733,242
67$20,725,082$4,552,719$2,729,988$10,515,601
68$22,773,887$4,710,649$2,756,290$11,372,089
69$25,029,618$4,874,265$2,781,420$12,310,117
70$27,513,316$5,043,782$2,805,274$13,337,846
71$30,248,168$5,219,420$2,827,745$14,464,269
72$33,259,723$5,401,413$2,848,715$15,699,288
73$36,576,132$5,590,000$2,868,065$17,053,812
74$40,228,419$5,785,431$2,885,667$18,539,860
75$44,250,767$5,987,967$2,901,386$20,170,669
76$48,680,844$6,197,876$2,915,081$21,960,825
77$53,560,159$6,415,441$2,926,605$23,926,394
78$58,934,451$6,640,953$2,935,802$26,085,078
79$64,854,122$6,874,717$2,942,509$28,456,377
80$71,374,713$7,117,049$2,946,553$31,061,776
81$78,557,426$7,368,277$2,947,755$33,924,947
82$86,469,705$7,628,744$2,945,926$37,071,969
83$95,185,868$7,898,805$2,940,868$40,531,577
84$104,787,812$8,178,832$2,932,372$44,335,430
85$115,365,782$8,469,208$2,920,221$48,518,410
86$127,019,229$8,770,336$2,904,185$53,118,950
87$139,857,741$9,082,633$2,884,025$58,179,399
88$154,002,081$9,406,533$2,859,490$63,746,416
89$169,585,327$9,742,487$2,830,318$69,871,415
90$186,754,128$10,090,967$2,796,231$76,611,045
91$205,670,087$10,452,462$2,756,942$84,027,727
92$226,511,285$10,827,481$2,712,149$92,190,241
93$249,473,965$11,216,557$2,661,535$101,174,375
94$274,774,382$11,620,241$2,604,769$111,063,638
95$302,650,845$12,039,108$2,541,504$121,950,051
96$333,365,965$12,473,759$2,471,379$133,935,011
97$367,209,137$12,924,816$2,394,014$147,130,248
98$404,499,267$13,392,931$2,309,012$161,658,882
99$445,587,787$13,878,779$2,215,958$177,656,580
100$490,861,969$14,383,066$2,114,420$195,272,836