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

Use the below retirement simulation to view the chances of a successful retirement.
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%17.3%
1 years$150,294$148,955$147,649$146,374$145,129$140,822
2 years$74,403$73,017$71,674$70,372$69,109$64,805
3 years$49,109$47,718$46,378$45,088$43,846$39,680
4 years$36,465$35,077$33,751$32,483$31,271$27,276
5 years$28,880$27,501$26,192$24,950$23,772$19,958
6 years$23,825$22,457$21,167$19,953$18,810$15,180
7 years$20,216$18,859$17,590$16,405$15,297$11,852
8 years$17,511$16,166$14,918$13,761$12,691$9,428
9 years$15,407$14,075$12,849$11,722$10,687$7,603
10 years$13,726$12,407$11,202$10,104$9,106$6,197
11 years$12,351$11,045$9,862$8,794$7,832$5,092
12 years$11,206$9,913$8,752$7,713$6,787$4,211
13 years$10,238$8,959$7,820$6,810$5,918$3,501
14 years$9,409$8,143$7,026$6,045$5,188$2,922
15 years$8,691$7,439$6,343$5,391$4,568$2,448
16 years$8,063$6,825$5,751$4,827$4,037$2,057
17 years$7,510$6,286$5,233$4,337$3,579$1,732
18 years$7,019$5,808$4,777$3,908$3,183$1,461
19 years$6,580$5,383$4,373$3,532$2,837$1,235
20 years$6,186$5,002$4,014$3,199$2,534$1,045
21 years$5,829$4,659$3,692$2,903$2,268$885
22 years$5,505$4,349$3,403$2,639$2,033$750
23 years$5,210$4,068$3,142$2,404$1,825$637
24 years$4,940$3,811$2,906$2,192$1,640$541
25 years$4,692$3,577$2,691$2,002$1,476$460
26 years$4,464$3,362$2,496$1,831$1,329$391
27 years$4,252$3,164$2,318$1,676$1,198$332
28 years$4,056$2,981$2,155$1,535$1,081$283
29 years$3,874$2,812$2,005$1,408$976$241
30 years$3,705$2,656$1,868$1,292$882$205
31 years$3,546$2,511$1,741$1,187$798$174
32 years$3,398$2,376$1,624$1,091$722$149
33 years$3,259$2,250$1,517$1,003$653$127
34 years$3,129$2,132$1,417$923$591$108
35 years$3,006$2,022$1,325$849$535$92
36 years$2,891$1,920$1,239$782$485$78
37 years$2,781$1,823$1,160$721$440$67
38 years$2,678$1,733$1,086$664$399$57
39 years$2,581$1,648$1,018$613$362$48
40 years$2,488$1,568$954$565$328$41
41 years$2,400$1,492$895$521$297$35
42 years$2,317$1,421$839$481$270$30
43 years$2,238$1,354$787$444$245$26
44 years$2,162$1,291$739$410$222$22
45 years$2,091$1,231$694$379$202$19
46 years$2,022$1,174$652$350$183$16
47 years$1,957$1,120$612$323$166$13
48 years$1,894$1,070$575$299$151$11
49 years$1,834$1,021$541$276$137$10
50 years$1,777$976$509$255$125$8

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 $3,705 every year, while hoping to spend $32,850 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: 68/9/23 Blend
40$1,820,000$1,820,000$1,820,000$1,820,000
41$2,009,462$1,913,002$1,884,792$2,134,130
42$2,179,475$1,971,787$1,912,980$2,276,940
43$2,365,728$2,032,351$1,941,012$2,428,982
44$2,569,843$2,094,747$1,968,847$2,594,538
45$2,793,607$2,159,030$1,996,443$2,774,941
46$3,038,986$2,225,254$2,023,755$2,971,662
47$3,308,148$2,293,476$2,050,736$3,186,317
48$3,603,478$2,363,756$2,077,335$3,420,688
49$3,927,606$2,436,153$2,103,499$3,676,739
50$4,283,427$2,510,730$2,129,171$3,956,631
51$4,674,131$2,587,549$2,154,293$4,262,748
52$5,103,231$2,666,678$2,178,800$4,597,713
53$5,574,598$2,748,183$2,202,627$4,964,418
54$6,092,496$2,832,132$2,225,704$5,366,047
55$6,661,622$2,918,598$2,247,956$5,806,110
56$7,287,151$3,007,653$2,269,306$6,288,473
57$7,974,784$3,099,372$2,289,672$6,817,397
58$8,730,803$3,193,832$2,308,967$7,397,575
59$9,562,127$3,291,112$2,327,100$8,034,178
60$10,476,381$3,391,294$2,343,975$8,732,904
61$11,481,965$3,494,460$2,359,491$9,500,034
62$12,588,134$3,600,697$2,373,542$10,342,484
63$13,805,084$3,710,092$2,386,017$11,267,878
64$15,144,052$3,822,736$2,396,797$12,284,616
65$16,617,416$3,938,721$2,405,761$13,401,955
66$18,238,817$4,058,142$2,412,778$14,630,093
67$20,023,283$4,181,097$2,417,713$15,980,271
68$21,987,374$4,307,687$2,420,422$17,464,872
69$24,149,336$4,438,014$2,420,756$19,097,544
70$26,529,274$4,572,183$2,418,558$20,893,326
71$29,149,343$4,710,302$2,413,662$22,868,791
72$32,033,952$4,852,483$2,405,895$25,042,199
73$35,209,999$4,998,839$2,395,077$27,433,675
74$38,707,124$5,149,487$2,381,017$30,065,396
75$42,557,985$5,304,546$2,363,516$32,961,798
76$46,798,570$5,464,140$2,342,365$36,149,812
77$51,468,535$5,628,393$2,317,344$39,659,114
78$56,611,576$5,797,435$2,288,226$43,522,406
79$62,275,844$5,971,397$2,254,769$47,775,728
80$68,514,400$6,150,415$2,216,723$52,458,791
81$75,385,710$6,334,626$2,173,825$57,615,362
82$82,954,203$6,524,174$2,125,799$63,293,668
83$91,290,876$6,719,203$2,072,357$69,546,857
84$100,473,963$6,919,861$2,013,199$76,433,497
85$110,589,675$7,126,302$1,948,008$84,018,130
86$121,733,011$7,338,680$1,876,456$92,371,884
87$134,008,658$7,557,155$1,798,197$101,573,137
88$147,531,976$7,781,890$1,712,871$111,708,267
89$162,430,086$8,013,052$1,620,101$122,872,461
90$178,843,074$8,250,811$1,519,494$135,170,615
91$196,925,309$8,495,341$1,410,638$148,718,326
92$216,846,898$8,746,821$1,293,102$163,642,982
93$238,795,299$9,005,433$1,166,439$180,084,966
94$262,977,083$9,271,362$1,030,177$198,198,980
95$289,619,885$9,544,798$883,828$218,155,507
96$318,974,556$9,825,936$726,879$240,142,422
97$351,317,527$10,114,973$558,795$264,366,763
98$386,953,419$10,412,111$379,019$291,056,688
99$426,217,919$10,717,556$186,968$320,463,630
100$469,480,949$11,031,519$0$352,864,667