Can I retire at age 41 with 1,820,000?

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 $1,820,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$150,294$148,955$147,649$146,374$145,129$141,391
2 years$74,403$73,017$71,674$70,372$69,109$65,368
3 years$49,109$47,718$46,378$45,088$43,846$40,219
4 years$36,465$35,077$33,751$32,483$31,271$27,786
5 years$28,880$27,501$26,192$24,950$23,772$20,438
6 years$23,825$22,457$21,167$19,953$18,810$15,631
7 years$20,216$18,859$17,590$16,405$15,297$12,273
8 years$17,511$16,166$14,918$13,761$12,691$9,820
9 years$15,407$14,075$12,849$11,722$10,687$7,968
10 years$13,726$12,407$11,202$10,104$9,106$6,535
11 years$12,351$11,045$9,862$8,794$7,832$5,404
12 years$11,206$9,913$8,752$7,713$6,787$4,499
13 years$10,238$8,959$7,820$6,810$5,918$3,765
14 years$9,409$8,143$7,026$6,045$5,188$3,165
15 years$8,691$7,439$6,343$5,391$4,568$2,670
16 years$8,063$6,825$5,751$4,827$4,037$2,259
17 years$7,510$6,286$5,233$4,337$3,579$1,916
18 years$7,019$5,808$4,777$3,908$3,183$1,629
19 years$6,580$5,383$4,373$3,532$2,837$1,387
20 years$6,186$5,002$4,014$3,199$2,534$1,182
21 years$5,829$4,659$3,692$2,903$2,268$1,009
22 years$5,505$4,349$3,403$2,639$2,033$863
23 years$5,210$4,068$3,142$2,404$1,825$738
24 years$4,940$3,811$2,906$2,192$1,640$632
25 years$4,692$3,577$2,691$2,002$1,476$541
26 years$4,464$3,362$2,496$1,831$1,329$464
27 years$4,252$3,164$2,318$1,676$1,198$398
28 years$4,056$2,981$2,155$1,535$1,081$341
29 years$3,874$2,812$2,005$1,408$976$293
30 years$3,705$2,656$1,868$1,292$882$251
31 years$3,546$2,511$1,741$1,187$798$216
32 years$3,398$2,376$1,624$1,091$722$185
33 years$3,259$2,250$1,517$1,003$653$159
34 years$3,129$2,132$1,417$923$591$137
35 years$3,006$2,022$1,325$849$535$117
36 years$2,891$1,920$1,239$782$485$101
37 years$2,781$1,823$1,160$721$440$87
38 years$2,678$1,733$1,086$664$399$74
39 years$2,581$1,648$1,018$613$362$64
40 years$2,488$1,568$954$565$328$55
41 years$2,400$1,492$895$521$297$47
42 years$2,317$1,421$839$481$270$41
43 years$2,238$1,354$787$444$245$35
44 years$2,162$1,291$739$410$222$30
45 years$2,091$1,231$694$379$202$26
46 years$2,022$1,174$652$350$183$22
47 years$1,957$1,120$612$323$166$19
48 years$1,894$1,070$575$299$151$16
49 years$1,834$1,021$541$276$137$14
50 years$1,777$976$509$255$125$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,820,000, adding $3,271 every year, while hoping to spend $24,046 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: 69/15/16 Blend
40$1,820,000$1,820,000$1,820,000$1,820,000
41$2,009,014$1,912,554$1,884,344$2,139,869
42$2,188,349$1,980,684$1,921,885$2,295,566
43$2,385,170$2,051,347$1,959,877$2,462,693
44$2,601,235$2,124,641$1,998,311$2,644,942
45$2,838,481$2,200,669$2,037,175$2,843,800
46$3,099,043$2,279,538$2,076,457$3,060,905
47$3,385,269$2,361,359$2,116,141$3,298,058
48$3,699,748$2,446,248$2,156,215$3,557,244
49$4,045,335$2,534,326$2,196,660$3,840,649
50$4,425,169$2,625,719$2,237,458$4,150,678
51$4,842,714$2,720,556$2,278,591$4,489,981
52$5,301,783$2,818,976$2,320,036$4,861,476
53$5,806,578$2,921,119$2,361,770$5,268,376
54$6,361,729$3,027,133$2,403,769$5,714,222
55$6,972,336$3,137,173$2,446,006$6,202,912
56$7,644,018$3,251,399$2,488,451$6,738,738
57$8,382,968$3,369,978$2,531,074$7,326,431
58$9,196,007$3,493,083$2,573,842$7,971,199
59$10,090,653$3,620,898$2,616,719$8,678,782
60$11,075,188$3,753,609$2,659,667$9,455,499
61$12,158,736$3,891,415$2,702,645$10,308,315
62$13,351,353$4,034,521$2,745,610$11,244,901
63$14,664,119$4,183,141$2,788,516$12,273,707
64$16,109,242$4,337,496$2,831,313$13,404,042
65$17,700,172$4,497,821$2,873,949$14,646,163
66$19,451,732$4,664,358$2,916,370$16,011,371
67$21,380,255$4,837,357$2,958,514$17,512,113
68$23,503,738$5,017,084$3,000,321$19,162,105
69$25,842,010$5,203,813$3,041,723$20,976,459
70$28,416,925$5,397,829$3,082,651$22,971,823
71$31,252,560$5,599,432$3,123,028$25,166,542
72$34,375,449$5,808,932$3,162,778$27,580,827
73$37,814,829$6,026,654$3,201,815$30,236,946
74$41,602,919$6,252,937$3,240,052$33,159,437
75$45,775,219$6,488,133$3,277,396$36,375,335
76$50,370,851$6,732,611$3,313,749$39,914,427
77$55,432,923$6,986,755$3,349,006$43,809,538
78$61,008,942$7,250,966$3,383,057$48,096,834
79$67,151,252$7,525,662$3,415,788$52,816,164
80$73,917,540$7,811,279$3,447,077$58,011,440
81$81,371,369$8,108,272$3,476,794$63,731,047
82$89,582,788$8,417,117$3,504,806$70,028,299
83$98,628,985$8,738,308$3,530,970$76,961,944
84$108,595,020$9,072,364$3,555,136$84,596,716
85$119,574,626$9,419,823$3,577,147$93,003,947
86$131,671,093$9,781,250$3,596,836$102,262,239
87$144,998,245$10,157,232$3,614,031$112,458,206
88$159,681,513$10,548,383$3,628,548$123,687,288
89$175,859,118$10,955,345$3,640,195$136,054,655
90$193,683,377$11,378,785$3,648,770$149,676,198
91$213,322,138$11,819,402$3,654,061$164,679,623
92$234,960,370$12,277,927$3,655,846$181,205,651
93$258,801,901$12,755,119$3,653,890$199,409,353
94$285,071,350$13,251,774$3,647,950$219,461,609
95$314,016,239$13,768,722$3,637,767$241,550,717
96$345,909,336$14,306,831$3,623,074$265,884,179
97$381,051,228$14,867,005$3,603,586$292,690,649
98$419,773,156$15,450,190$3,579,009$322,222,097
99$462,440,143$16,057,375$3,549,031$354,756,185
100$509,454,442$16,689,591$3,513,328$390,598,885