Can I retire at age 41 with 1,830,000?

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 $1,830,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$151,120$149,774$148,460$147,178$145,927$143,274
2 years$74,812$73,418$72,068$70,759$69,489$66,825
3 years$49,379$47,980$46,633$45,336$44,087$41,496
4 years$36,665$35,270$33,937$32,662$31,443$28,945
5 years$29,039$27,652$26,336$25,088$23,902$21,504
6 years$23,956$22,580$21,284$20,063$18,913$16,617
7 years$20,327$18,963$17,687$16,495$15,381$13,188
8 years$17,607$16,255$15,000$13,837$12,760$10,670
9 years$15,492$14,153$12,919$11,786$10,746$8,757
10 years$13,801$12,475$11,263$10,160$9,156$7,266
11 years$12,419$11,106$9,916$8,842$7,875$6,082
12 years$11,267$9,968$8,800$7,756$6,824$5,126
13 years$10,294$9,008$7,862$6,847$5,951$4,345
14 years$9,460$8,188$7,064$6,078$5,216$3,700
15 years$8,739$7,480$6,378$5,421$4,593$3,163
16 years$8,108$6,863$5,783$4,853$4,059$2,712
17 years$7,551$6,320$5,262$4,361$3,599$2,332
18 years$7,058$5,840$4,804$3,930$3,200$2,010
19 years$6,616$5,413$4,398$3,551$2,852$1,736
20 years$6,220$5,030$4,036$3,216$2,548$1,501
21 years$5,861$4,685$3,712$2,919$2,280$1,301
22 years$5,536$4,373$3,421$2,654$2,044$1,128
23 years$5,239$4,090$3,159$2,417$1,835$979
24 years$4,967$3,832$2,922$2,204$1,649$851
25 years$4,718$3,596$2,706$2,013$1,484$740
26 years$4,488$3,380$2,510$1,841$1,337$644
27 years$4,276$3,181$2,330$1,685$1,205$561
28 years$4,079$2,997$2,166$1,544$1,087$488
29 years$3,896$2,828$2,016$1,416$982$426
30 years$3,725$2,670$1,878$1,299$887$371
31 years$3,566$2,524$1,751$1,193$802$324
32 years$3,417$2,389$1,633$1,097$726$282
33 years$3,277$2,262$1,525$1,008$657$246
34 years$3,146$2,144$1,425$928$594$215
35 years$3,023$2,034$1,332$854$538$188
36 years$2,906$1,930$1,246$787$488$164
37 years$2,797$1,833$1,167$725$442$143
38 years$2,693$1,742$1,092$668$401$125
39 years$2,595$1,657$1,023$616$364$109
40 years$2,502$1,576$959$568$330$95
41 years$2,414$1,500$899$524$299$83
42 years$2,330$1,429$844$484$271$73
43 years$2,250$1,361$792$447$246$64
44 years$2,174$1,298$743$412$224$56
45 years$2,102$1,237$698$381$203$49
46 years$2,033$1,181$655$352$184$42
47 years$1,967$1,127$616$325$167$37
48 years$1,904$1,075$579$300$152$32
49 years$1,844$1,027$544$278$138$28
50 years$1,787$981$511$257$125$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,830,000, adding $4,594 every year, while hoping to spend $55,217 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: 58/13/29 Blend
40$1,830,000$1,830,000$1,830,000$1,830,000
41$2,021,399$1,924,409$1,896,044$2,122,345
42$2,168,831$1,959,954$1,900,811$2,227,631
43$2,329,451$1,995,391$1,903,887$2,336,186
44$2,504,544$2,030,655$1,905,157$2,453,433
45$2,695,529$2,065,678$1,904,501$2,580,230
46$2,903,963$2,100,386$1,901,791$2,717,526
47$3,131,562$2,134,700$1,896,896$2,866,368
48$3,380,215$2,168,534$1,889,676$3,027,910
49$3,652,001$2,201,796$1,879,984$3,203,424
50$3,949,210$2,234,390$1,867,669$3,394,315
51$4,274,363$2,266,208$1,852,569$3,602,132
52$4,630,235$2,297,139$1,834,517$3,828,582
53$5,019,882$2,327,062$1,813,337$4,075,552
54$5,446,671$2,355,849$1,788,844$4,345,118
55$5,914,306$2,383,360$1,760,845$4,639,575
56$6,426,871$2,409,451$1,729,139$4,961,449
57$6,988,861$2,433,962$1,693,514$5,313,530
58$7,605,226$2,456,728$1,653,749$5,698,895
59$8,281,422$2,477,570$1,609,611$6,120,934
60$9,023,453$2,496,298$1,560,860$6,583,389
61$9,837,938$2,512,709$1,507,242$7,090,386
62$10,732,164$2,526,588$1,448,491$7,646,475
63$11,714,160$2,537,706$1,384,330$8,256,673
64$12,792,770$2,545,820$1,314,471$8,926,513
65$13,977,737$2,550,669$1,238,610$9,662,097
66$15,279,794$2,551,979$1,156,431$10,470,152
67$16,710,764$2,549,458$1,067,603$11,358,097
68$18,283,676$2,542,795$971,782$12,334,114
69$20,012,879$2,531,661$868,605$13,407,222
70$21,914,186$2,515,705$757,696$14,587,366
71$24,005,016$2,494,558$638,662$15,885,512
72$26,304,561$2,467,824$511,090$17,313,751
73$28,833,968$2,435,089$374,553$18,885,413
74$31,616,533$2,395,909$228,602$20,615,195
75$34,677,928$2,349,817$72,768$22,519,300
76$38,046,435$2,296,316$0$24,615,593
77$41,753,217$2,234,882$0$26,952,710
78$45,832,611$2,164,958$0$29,549,330
79$50,322,452$2,085,955$0$32,407,014
80$55,264,426$1,997,251$0$35,552,321
81$60,704,468$1,898,186$0$39,014,519
82$66,693,191$1,788,064$0$42,825,861
83$73,286,365$1,666,148$0$47,021,892
84$80,545,442$1,531,657$0$51,641,781
85$88,538,137$1,383,768$0$56,728,697
86$97,339,064$1,221,610$0$62,330,207
87$107,030,442$1,044,262$0$68,498,737
88$117,702,868$850,752$0$75,292,059
89$129,456,175$640,053$0$82,773,840
90$142,400,369$411,080$0$91,014,241
91$156,656,670$162,686$0$100,090,584
92$172,358,654$0$0$110,088,079
93$189,653,516$0$0$121,115,842
94$208,703,453$0$0$133,288,552
95$229,687,201$0$0$146,697,174
96$252,801,714$0$0$161,467,591
97$278,264,030$0$0$177,738,521
98$306,313,314$0$0$195,662,824
99$337,213,114$0$0$215,408,948
100$371,253,853$0$0$237,162,515