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%14.6%
1 years$149,468$148,137$146,838$145,570$144,332$141,592
2 years$73,994$72,616$71,280$69,986$68,729$65,979
3 years$48,839$47,455$46,123$44,840$43,605$40,931
4 years$36,265$34,885$33,566$32,305$31,099$28,522
5 years$28,722$27,350$26,048$24,813$23,641$21,167
6 years$23,695$22,333$21,051$19,843$18,706$16,339
7 years$20,105$18,756$17,494$16,314$15,213$12,953
8 years$17,414$16,077$14,836$13,686$12,621$10,467
9 years$15,323$13,998$12,778$11,657$10,629$8,580
10 years$13,650$12,338$11,140$10,049$9,056$7,111
11 years$12,283$10,984$9,808$8,745$7,789$5,945
12 years$11,144$9,859$8,704$7,671$6,749$5,004
13 years$10,182$8,909$7,777$6,772$5,886$4,236
14 years$9,357$8,098$6,987$6,012$5,159$3,602
15 years$8,643$7,398$6,309$5,361$4,543$3,075
16 years$8,019$6,788$5,720$4,800$4,015$2,633
17 years$7,469$6,251$5,205$4,313$3,560$2,261
18 years$6,980$5,776$4,751$3,887$3,165$1,946
19 years$6,544$5,353$4,349$3,512$2,821$1,678
20 years$6,152$4,975$3,992$3,181$2,520$1,449
21 years$5,797$4,634$3,672$2,887$2,255$1,253
22 years$5,475$4,325$3,384$2,625$2,021$1,085
23 years$5,182$4,045$3,124$2,391$1,815$941
24 years$4,913$3,790$2,890$2,180$1,631$816
25 years$4,666$3,557$2,676$1,991$1,468$709
26 years$4,439$3,343$2,482$1,821$1,322$616
27 years$4,229$3,146$2,305$1,666$1,192$535
28 years$4,034$2,965$2,143$1,527$1,075$465
29 years$3,853$2,797$1,994$1,400$971$405
30 years$3,684$2,641$1,857$1,285$877$353
31 years$3,527$2,497$1,732$1,180$793$307
32 years$3,380$2,363$1,616$1,085$718$267
33 years$3,241$2,237$1,508$997$649$233
34 years$3,112$2,121$1,409$918$588$203
35 years$2,990$2,011$1,318$845$533$177
36 years$2,875$1,909$1,233$778$483$154
37 years$2,766$1,813$1,154$717$437$134
38 years$2,664$1,723$1,080$661$396$117
39 years$2,567$1,639$1,012$609$360$102
40 years$2,475$1,559$949$562$326$89
41 years$2,387$1,484$890$518$296$78
42 years$2,304$1,413$835$478$268$68
43 years$2,226$1,347$783$442$244$59
44 years$2,151$1,284$735$408$221$52
45 years$2,079$1,224$690$377$201$45
46 years$2,011$1,168$648$348$182$39
47 years$1,946$1,114$609$321$166$34
48 years$1,884$1,064$572$297$150$30
49 years$1,824$1,016$538$274$137$26
50 years$1,767$970$506$254$124$23

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 $5,905 every year, while hoping to spend $22,175 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: 70/20/10 Blend
40$1,810,000$1,810,000$1,810,000$1,810,000
41$2,000,711$1,904,781$1,876,726$2,136,416
42$2,181,190$1,974,521$1,916,002$2,296,838
43$2,379,334$2,046,936$1,955,851$2,469,060
44$2,596,922$2,122,132$1,996,268$2,656,925
45$2,835,913$2,200,221$2,037,249$2,861,969
46$3,098,466$2,281,322$2,078,786$3,085,879
47$3,386,958$2,365,555$2,120,874$3,330,514
48$3,704,008$2,453,048$2,163,504$3,597,922
49$4,052,502$2,543,932$2,206,666$3,890,354
50$4,435,619$2,638,347$2,250,351$4,210,292
51$4,856,861$2,736,435$2,294,547$4,560,466
52$5,320,088$2,838,347$2,339,241$4,943,882
53$5,829,550$2,944,239$2,384,419$5,363,852
54$6,389,932$3,054,275$2,430,065$5,824,022
55$7,006,395$3,168,624$2,476,162$6,328,407
56$7,684,625$3,287,464$2,522,691$6,881,429
57$8,430,887$3,410,980$2,569,631$7,487,957
58$9,252,084$3,539,364$2,616,960$8,153,355
59$10,155,822$3,672,819$2,664,654$8,883,530
60$11,150,483$3,811,554$2,712,687$9,684,989
61$12,245,300$3,955,788$2,761,030$10,564,897
62$13,450,448$4,105,750$2,809,652$11,531,149
63$14,777,140$4,261,677$2,858,522$12,592,440
64$16,237,729$4,423,820$2,907,603$13,758,349
65$17,845,828$4,592,438$2,956,858$15,039,427
66$19,616,436$4,767,801$3,006,246$16,447,298
67$21,566,081$4,950,192$3,055,724$17,994,766
68$23,712,976$5,139,906$3,105,246$19,695,938
69$26,077,191$5,337,252$3,154,763$21,566,354
70$28,680,838$5,542,551$3,204,221$23,623,136
71$31,548,285$5,756,139$3,253,565$25,885,145
72$34,706,386$5,978,365$3,302,735$28,373,163
73$38,184,728$6,209,596$3,351,667$31,110,085
74$42,015,918$6,450,214$3,400,295$34,121,136
75$46,235,884$6,700,616$3,448,547$37,434,109
76$50,884,218$6,961,220$3,496,347$41,079,623
77$56,004,549$7,232,461$3,543,616$45,091,418
78$61,644,952$7,514,791$3,590,267$49,506,666
79$67,858,408$7,808,686$3,636,211$54,366,325
80$74,703,294$8,114,640$3,681,353$59,715,523
81$82,243,943$8,433,171$3,725,591$65,603,984
82$90,551,248$8,764,819$3,768,821$72,086,497
83$99,703,328$9,110,148$3,810,929$79,223,430
84$109,786,269$9,469,747$3,851,797$87,081,303
85$120,894,937$9,844,232$3,891,300$95,733,410
86$133,133,868$10,234,247$3,929,306$105,260,513
87$146,618,261$10,640,464$3,965,677$115,751,603
88$161,475,061$11,063,584$4,000,265$127,304,737
89$177,844,160$11,504,342$4,032,916$140,027,967
90$195,879,714$11,963,505$4,063,468$154,040,354
91$215,751,601$12,441,873$4,091,751$169,473,091
92$237,647,024$12,940,284$4,117,584$186,470,743
93$261,772,275$13,459,613$4,140,778$205,192,611
94$288,354,688$14,000,775$4,161,135$225,814,229
95$317,644,779$14,564,725$4,178,445$248,529,026
96$349,918,613$15,152,463$4,192,490$273,550,146
97$385,480,411$15,765,034$4,203,038$301,112,460
98$424,665,421$16,403,529$4,209,848$331,474,783
99$467,843,081$17,069,089$4,212,665$364,922,312
100$515,420,509$17,762,907$4,211,223$401,769,322