Can I retire at age 41 with 1,860,000?

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 $1,860,000?

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$153,597$152,229$150,894$149,591$148,319$143,113
2 years$76,038$74,622$73,250$71,919$70,628$65,438
3 years$50,189$48,766$47,397$46,079$44,809$39,798
4 years$37,266$35,848$34,493$33,197$31,958$27,164
5 years$29,515$28,106$26,768$25,499$24,294$19,730
6 years$24,349$22,950$21,633$20,392$19,223$14,892
7 years$20,661$19,274$17,977$16,765$15,634$11,535
8 years$17,896$16,521$15,246$14,064$12,970$9,100
9 years$15,746$14,385$13,131$11,979$10,922$7,276
10 years$14,027$12,679$11,448$10,326$9,306$5,878
11 years$12,622$11,288$10,079$8,987$8,004$4,787
12 years$11,452$10,131$8,945$7,883$6,936$3,922
13 years$10,463$9,156$7,991$6,959$6,048$3,230
14 years$9,615$8,322$7,180$6,178$5,302$2,670
15 years$8,882$7,602$6,483$5,509$4,668$2,215
16 years$8,241$6,975$5,878$4,933$4,126$1,842
17 years$7,675$6,424$5,348$4,432$3,658$1,535
18 years$7,173$5,936$4,882$3,994$3,253$1,282
19 years$6,725$5,501$4,470$3,609$2,899$1,072
20 years$6,322$5,112$4,102$3,269$2,590$897
21 years$5,957$4,762$3,773$2,967$2,317$752
22 years$5,626$4,445$3,477$2,697$2,077$631
23 years$5,325$4,157$3,211$2,457$1,865$529
24 years$5,049$3,895$2,969$2,241$1,676$444
25 years$4,795$3,655$2,750$2,046$1,508$373
26 years$4,562$3,435$2,551$1,871$1,358$314
27 years$4,346$3,233$2,369$1,713$1,225$264
28 years$4,146$3,047$2,202$1,569$1,105$222
29 years$3,959$2,874$2,049$1,439$998$187
30 years$3,786$2,714$1,909$1,321$902$157
31 years$3,624$2,566$1,779$1,213$815$132
32 years$3,473$2,428$1,660$1,115$737$111
33 years$3,331$2,299$1,550$1,025$667$94
34 years$3,198$2,179$1,448$943$604$79
35 years$3,072$2,067$1,354$868$547$67
36 years$2,954$1,962$1,267$800$496$56
37 years$2,843$1,863$1,186$737$449$47
38 years$2,737$1,771$1,110$679$407$40
39 years$2,637$1,684$1,040$626$369$33
40 years$2,543$1,602$975$577$335$28
41 years$2,453$1,525$914$533$304$24
42 years$2,368$1,452$858$492$276$20
43 years$2,287$1,384$805$454$250$17
44 years$2,210$1,319$755$419$227$14
45 years$2,136$1,258$709$387$206$12
46 years$2,066$1,200$666$358$187$10
47 years$2,000$1,145$626$330$170$8
48 years$1,936$1,093$588$305$154$7
49 years$1,874$1,044$553$282$140$6
50 years$1,816$997$520$261$127$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,860,000, adding $4,878 every year, while hoping to spend $44,041 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: 43/44/13 Blend
40$1,860,000$1,860,000$1,860,000$1,860,000
41$2,054,752$1,956,172$1,927,342$2,135,152
42$2,217,477$2,005,165$1,945,048$2,240,874
43$2,395,324$2,055,083$1,961,872$2,350,552
44$2,589,790$2,105,924$1,977,737$2,468,405
45$2,802,520$2,157,685$1,992,563$2,595,202
46$3,035,328$2,210,364$2,006,265$2,731,789
47$3,290,212$2,263,952$2,018,755$2,879,098
48$3,569,371$2,318,442$2,029,941$3,038,153
49$3,875,225$2,373,825$2,039,723$3,210,086
50$4,210,443$2,430,087$2,047,998$3,396,141
51$4,577,962$2,487,215$2,054,659$3,597,688
52$4,981,016$2,545,190$2,059,592$3,816,237
53$5,423,169$2,603,994$2,062,678$4,053,452
54$5,908,345$2,663,602$2,063,790$4,311,165
55$6,440,867$2,723,990$2,062,799$4,591,395
56$7,025,498$2,785,128$2,059,565$4,896,366
57$7,667,482$2,846,983$2,053,944$5,228,531
58$8,372,599$2,909,518$2,045,784$5,590,589
59$9,147,213$2,972,694$2,034,927$5,985,517
60$9,998,336$3,036,463$2,021,205$6,416,595
61$10,933,695$3,100,779$2,004,443$6,887,437
62$11,961,799$3,165,584$1,984,460$7,402,027
63$13,092,025$3,230,821$1,961,062$7,964,754
64$14,334,704$3,296,422$1,934,049$8,580,457
65$15,701,215$3,362,319$1,903,211$9,254,468
66$17,204,098$3,428,431$1,868,328$9,992,662
67$18,857,168$3,494,676$1,829,169$10,801,518
68$20,675,646$3,560,962$1,785,493$11,688,172
69$22,676,302$3,627,190$1,737,047$12,660,493
70$24,877,616$3,693,253$1,683,569$13,727,152
71$27,299,945$3,759,035$1,624,782$14,897,707
72$29,965,725$3,824,413$1,560,397$16,182,692
73$32,899,670$3,889,251$1,490,112$17,593,716
74$36,129,018$3,953,406$1,413,612$19,143,577
75$39,683,777$4,016,722$1,330,567$20,846,380
76$43,597,014$4,079,033$1,240,633$22,717,670
77$47,905,164$4,140,160$1,143,448$24,774,582
78$52,648,375$4,199,912$1,038,638$27,036,002
79$57,870,885$4,258,083$925,808$29,522,746
80$63,621,441$4,314,455$804,549$32,257,756
81$69,953,757$4,368,792$674,430$35,266,320
82$76,927,022$4,420,845$535,005$38,576,309
83$84,606,456$4,470,344$385,805$42,218,443
84$93,063,928$4,517,004$226,343$46,226,580
85$102,378,631$4,560,521$56,109$50,638,038
86$112,637,834$4,600,568$0$55,493,948
87$123,937,697$4,636,800$0$60,857,061
88$136,384,187$4,668,848$0$66,769,361
89$150,094,072$4,696,319$0$73,278,210
90$165,196,023$4,718,795$0$80,444,385
91$181,831,833$4,735,832$0$88,334,871
92$200,157,749$4,746,956$0$97,023,488
93$220,345,948$4,751,666$0$106,591,593
94$242,586,166$4,749,429$0$117,128,846
95$267,087,481$4,739,677$0$128,734,060
96$294,080,292$4,721,809$0$141,516,133
97$323,818,492$4,695,187$0$155,595,080
98$356,581,861$4,659,135$0$171,103,165
99$392,678,711$4,612,933$0$188,186,152
100$432,448,793$4,555,820$0$207,004,684