Can I retire at age 41 with 1,850,000?

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 $1,850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$152,771$151,410$150,083$148,787$147,522$141,893
2 years$75,629$74,221$72,856$71,532$70,248$64,644
3 years$49,919$48,504$47,142$45,831$44,568$39,164
4 years$37,066$35,656$34,308$33,019$31,787$26,624
5 years$29,356$27,954$26,624$25,362$24,164$19,256
6 years$24,218$22,827$21,516$20,282$19,120$14,470
7 years$20,550$19,170$17,880$16,675$15,550$11,157
8 years$17,799$16,432$15,164$13,988$12,900$8,760
9 years$15,661$14,307$13,061$11,915$10,864$6,970
10 years$13,952$12,611$11,386$10,271$9,256$5,603
11 years$12,554$11,227$10,024$8,939$7,961$4,538
12 years$11,391$10,077$8,896$7,840$6,899$3,699
13 years$10,407$9,106$7,948$6,922$6,016$3,029
14 years$9,564$8,277$7,142$6,144$5,273$2,490
15 years$8,834$7,562$6,448$5,480$4,643$2,054
16 years$8,196$6,938$5,846$4,907$4,104$1,698
17 years$7,634$6,389$5,320$4,408$3,638$1,407
18 years$7,135$5,904$4,856$3,973$3,235$1,168
19 years$6,689$5,472$4,446$3,590$2,884$970
20 years$6,288$5,085$4,080$3,251$2,576$807
21 years$5,925$4,736$3,753$2,951$2,305$673
22 years$5,596$4,421$3,459$2,683$2,066$561
23 years$5,296$4,135$3,194$2,443$1,855$468
24 years$5,022$3,874$2,953$2,229$1,667$390
25 years$4,770$3,636$2,736$2,035$1,500$326
26 years$4,537$3,417$2,537$1,861$1,351$272
27 years$4,322$3,216$2,356$1,703$1,218$227
28 years$4,123$3,030$2,190$1,561$1,099$190
29 years$3,938$2,859$2,038$1,431$993$159
30 years$3,766$2,700$1,898$1,313$897$133
31 years$3,605$2,552$1,770$1,206$811$111
32 years$3,454$2,415$1,651$1,109$733$93
33 years$3,313$2,287$1,542$1,019$664$78
34 years$3,180$2,167$1,441$938$601$65
35 years$3,056$2,056$1,347$863$544$54
36 years$2,938$1,951$1,260$795$493$45
37 years$2,827$1,853$1,179$733$447$38
38 years$2,722$1,761$1,104$675$405$32
39 years$2,623$1,675$1,035$623$367$27
40 years$2,529$1,593$970$574$333$22
41 years$2,440$1,517$909$530$302$19
42 years$2,355$1,444$853$489$274$16
43 years$2,275$1,376$800$451$249$13
44 years$2,198$1,312$751$417$226$11
45 years$2,125$1,251$705$385$205$9
46 years$2,055$1,193$663$356$186$8
47 years$1,989$1,139$622$329$169$6
48 years$1,925$1,087$585$304$154$5
49 years$1,864$1,038$550$281$140$4
50 years$1,806$992$517$259$127$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,850,000, adding $5,719 every year, while hoping to spend $41,710 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: 44/37/19 Blend
40$1,850,000$1,850,000$1,850,000$1,850,000
41$2,044,599$1,946,549$1,917,874$2,123,093
42$2,208,769$1,997,551$1,937,744$2,229,881
43$2,388,287$2,049,654$1,956,881$2,341,003
44$2,584,673$2,102,868$1,975,218$2,460,582
45$2,799,603$2,157,202$1,992,681$2,589,418
46$3,034,922$2,212,664$2,009,195$2,728,395
47$3,292,660$2,269,261$2,024,680$2,878,485
48$3,575,056$2,327,000$2,039,051$3,040,758
49$3,884,572$2,385,883$2,052,220$3,216,394
50$4,223,922$2,445,915$2,064,093$3,406,690
51$4,596,094$2,507,097$2,074,572$3,613,077
52$5,004,380$2,569,428$2,083,554$3,837,131
53$5,452,404$2,632,908$2,090,930$4,080,588
54$5,944,161$2,697,532$2,096,588$4,345,361
55$6,484,048$2,763,294$2,100,407$4,633,556
56$7,076,912$2,830,186$2,102,261$4,947,497
57$7,728,090$2,898,198$2,102,020$5,289,740
58$8,443,462$2,967,317$2,099,544$5,663,105
59$9,229,506$3,037,526$2,094,690$6,070,698
60$10,093,358$3,108,807$2,087,304$6,515,943
61$11,042,880$3,181,138$2,077,228$7,002,611
62$12,086,733$3,254,493$2,064,295$7,534,861
63$13,234,459$3,328,843$2,048,328$8,117,274
64$14,496,572$3,404,155$2,029,146$8,754,897
65$15,884,656$3,480,391$2,006,555$9,453,296
66$17,411,470$3,557,510$1,980,355$10,218,604
67$19,091,078$3,635,465$1,950,334$11,057,577
68$20,938,969$3,714,205$1,916,272$11,977,666
69$22,972,215$3,793,672$1,877,937$12,987,079
70$25,209,622$3,873,803$1,835,089$14,094,865
71$27,671,913$3,954,529$1,787,474$15,310,994
72$30,381,921$4,035,774$1,734,828$16,646,457
73$33,364,806$4,117,455$1,676,874$18,113,367
74$36,648,288$4,199,483$1,613,321$19,725,073
75$40,262,915$4,281,759$1,543,869$21,496,291
76$44,242,343$4,364,176$1,468,199$23,443,235
77$48,623,660$4,446,619$1,385,982$25,583,781
78$53,447,732$4,528,962$1,296,871$27,937,626
79$58,759,590$4,611,070$1,200,506$30,526,482
80$64,608,854$4,692,798$1,096,508$33,374,277
81$71,050,200$4,773,988$984,483$36,507,387
82$78,143,877$4,854,470$864,020$39,954,877
83$85,956,275$4,934,062$734,688$43,748,784
84$94,560,553$5,012,569$596,038$47,924,416
85$104,037,324$5,089,779$447,600$52,520,690
86$114,475,421$5,165,468$288,884$57,580,493
87$125,972,732$5,239,394$119,380$63,151,097
88$138,637,125$5,311,299$0$69,284,600
89$152,587,463$5,380,904$0$76,050,889
90$167,954,731$5,447,915$0$83,527,416
91$184,883,265$5,512,015$0$91,759,816
92$203,532,121$5,572,865$0$100,825,080
93$224,076,568$5,630,107$0$110,808,052
94$246,709,750$5,683,355$0$121,802,233
95$271,644,505$5,732,199$0$133,910,664
96$299,115,370$5,776,203$0$147,246,898
97$329,380,803$5,814,901$0$161,936,073
98$362,725,613$5,847,799$0$178,116,096
99$399,463,654$5,874,371$0$195,938,942
100$439,940,787$5,894,055$0$215,572,094