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

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 $1,850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$152,771$151,410$150,083$148,787$147,522$142,344
2 years$75,629$74,221$72,856$71,532$70,248$65,086
3 years$49,919$48,504$47,142$45,831$44,568$39,584
4 years$37,066$35,656$34,308$33,019$31,787$27,018
5 years$29,356$27,954$26,624$25,362$24,164$19,624
6 years$24,218$22,827$21,516$20,282$19,120$14,812
7 years$20,550$19,170$17,880$16,675$15,550$11,473
8 years$17,799$16,432$15,164$13,988$12,900$9,051
9 years$15,661$14,307$13,061$11,915$10,864$7,237
10 years$13,952$12,611$11,386$10,271$9,256$5,847
11 years$12,554$11,227$10,024$8,939$7,961$4,761
12 years$11,391$10,077$8,896$7,840$6,899$3,901
13 years$10,407$9,106$7,948$6,922$6,016$3,212
14 years$9,564$8,277$7,142$6,144$5,273$2,656
15 years$8,834$7,562$6,448$5,480$4,643$2,203
16 years$8,196$6,938$5,846$4,907$4,104$1,832
17 years$7,634$6,389$5,320$4,408$3,638$1,527
18 years$7,135$5,904$4,856$3,973$3,235$1,275
19 years$6,689$5,472$4,446$3,590$2,884$1,066
20 years$6,288$5,085$4,080$3,251$2,576$892
21 years$5,925$4,736$3,753$2,951$2,305$748
22 years$5,596$4,421$3,459$2,683$2,066$627
23 years$5,296$4,135$3,194$2,443$1,855$526
24 years$5,022$3,874$2,953$2,229$1,667$442
25 years$4,770$3,636$2,736$2,035$1,500$371
26 years$4,537$3,417$2,537$1,861$1,351$312
27 years$4,322$3,216$2,356$1,703$1,218$263
28 years$4,123$3,030$2,190$1,561$1,099$221
29 years$3,938$2,859$2,038$1,431$993$186
30 years$3,766$2,700$1,898$1,313$897$156
31 years$3,605$2,552$1,770$1,206$811$132
32 years$3,454$2,415$1,651$1,109$733$111
33 years$3,313$2,287$1,542$1,019$664$93
34 years$3,180$2,167$1,441$938$601$79
35 years$3,056$2,056$1,347$863$544$66
36 years$2,938$1,951$1,260$795$493$56
37 years$2,827$1,853$1,179$733$447$47
38 years$2,722$1,761$1,104$675$405$40
39 years$2,623$1,675$1,035$623$367$33
40 years$2,529$1,593$970$574$333$28
41 years$2,440$1,517$909$530$302$24
42 years$2,355$1,444$853$489$274$20
43 years$2,275$1,376$800$451$249$17
44 years$2,198$1,312$751$417$226$14
45 years$2,125$1,251$705$385$205$12
46 years$2,055$1,193$663$356$186$10
47 years$1,989$1,139$622$329$169$8
48 years$1,925$1,087$585$304$154$7
49 years$1,864$1,038$550$281$140$6
50 years$1,806$992$517$259$127$5

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 $5,492 every year, while hoping to spend $25,295 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: 59/28/13 Blend
40$1,850,000$1,850,000$1,850,000$1,850,000
41$2,044,365$1,946,315$1,917,640$2,158,078
42$2,225,977$2,014,771$1,954,967$2,303,830
43$2,425,265$2,085,733$1,992,697$2,459,381
44$2,644,006$2,159,298$2,030,817$2,628,400
45$2,884,156$2,235,566$2,069,311$2,812,185
46$3,147,872$2,314,640$2,108,164$3,012,166
47$3,437,527$2,396,629$2,147,360$3,229,917
48$3,755,736$2,481,646$2,186,878$3,467,168
49$4,105,382$2,569,807$2,226,699$3,725,826
50$4,489,638$2,661,235$2,266,801$4,007,986
51$4,912,002$2,756,056$2,307,160$4,315,957
52$5,376,326$2,854,403$2,347,749$4,652,279
53$5,886,856$2,956,413$2,388,543$5,019,748
54$6,448,266$3,062,229$2,429,511$5,421,444
55$7,065,711$3,171,999$2,470,621$5,860,756
56$7,744,866$3,285,880$2,511,840$6,341,415
57$8,491,987$3,404,032$2,553,130$6,867,532
58$9,313,963$3,526,624$2,594,454$7,443,630
59$10,218,389$3,653,830$2,635,770$8,074,692
60$11,213,630$3,785,833$2,677,033$8,766,206
61$12,308,904$3,922,822$2,718,197$9,524,215
62$13,514,367$4,064,996$2,759,212$10,355,372
63$14,841,212$4,212,559$2,800,025$11,267,009
64$16,301,768$4,365,728$2,840,579$12,267,198
65$17,909,624$4,524,724$2,880,814$13,364,831
66$19,679,751$4,689,781$2,920,666$14,569,703
67$21,628,647$4,861,141$2,960,070$15,892,601
68$23,774,489$5,039,057$2,998,952$17,345,410
69$26,137,308$5,223,792$3,037,238$18,941,221
70$28,739,176$5,415,620$3,074,848$20,694,454
71$31,604,414$5,614,828$3,111,698$22,620,994
72$34,759,823$5,821,713$3,147,698$24,738,344
73$38,234,933$6,036,585$3,182,754$27,065,782
74$42,062,288$6,259,769$3,216,768$29,624,548
75$46,277,745$6,491,602$3,249,634$32,438,043
76$50,920,820$6,732,435$3,281,241$35,532,046
77$56,035,055$6,982,636$3,311,474$38,934,961
78$61,668,432$7,242,586$3,340,210$42,678,080
79$67,873,824$7,512,685$3,367,319$46,795,880
80$74,709,495$7,793,348$3,392,665$51,326,347
81$82,239,650$8,085,008$3,416,106$56,311,334
82$90,535,038$8,388,118$3,437,489$61,796,955
83$99,673,625$8,703,149$3,456,659$67,834,017
84$109,741,325$9,030,593$3,473,446$74,478,503
85$120,832,811$9,370,962$3,487,677$81,792,095
86$133,052,411$9,724,793$3,499,168$89,842,757
87$146,515,092$10,092,643$3,507,726$98,705,378
88$161,347,544$10,475,095$3,513,147$108,462,471
89$177,689,375$10,872,756$3,515,219$119,204,959
90$195,694,431$11,286,261$3,513,718$131,033,024
91$215,532,246$11,716,271$3,508,411$144,057,058
92$237,389,642$12,163,476$3,499,050$158,398,699
93$261,472,497$12,628,597$3,485,379$174,191,980
94$288,007,679$13,112,386$3,467,127$191,584,594
95$317,245,197$13,615,628$3,444,011$210,739,283
96$349,460,555$14,139,141$3,415,733$231,835,375
97$384,957,355$14,683,782$3,381,983$255,070,476
98$424,070,161$15,250,443$3,342,435$280,662,331
99$467,167,658$15,840,055$3,296,747$308,850,881
100$514,656,133$16,453,593$3,244,563$339,900,523