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%20%
1 years$153,597$152,229$150,894$149,591$148,319$142,378
2 years$76,038$74,622$73,250$71,919$70,628$64,717
3 years$50,189$48,766$47,397$46,079$44,809$39,115
4 years$37,266$35,848$34,493$33,197$31,958$26,523
5 years$29,515$28,106$26,768$25,499$24,294$19,133
6 years$24,349$22,950$21,633$20,392$19,223$14,338
7 years$20,661$19,274$17,977$16,765$15,634$11,023
8 years$17,896$16,521$15,246$14,064$12,970$8,629
9 years$15,746$14,385$13,131$11,979$10,922$6,845
10 years$14,027$12,679$11,448$10,326$9,306$5,485
11 years$12,622$11,288$10,079$8,987$8,004$4,428
12 years$11,452$10,131$8,945$7,883$6,936$3,597
13 years$10,463$9,156$7,991$6,959$6,048$2,936
14 years$9,615$8,322$7,180$6,178$5,302$2,405
15 years$8,882$7,602$6,483$5,509$4,668$1,977
16 years$8,241$6,975$5,878$4,933$4,126$1,628
17 years$7,675$6,424$5,348$4,432$3,658$1,344
18 years$7,173$5,936$4,882$3,994$3,253$1,111
19 years$6,725$5,501$4,470$3,609$2,899$920
20 years$6,322$5,112$4,102$3,269$2,590$763
21 years$5,957$4,762$3,773$2,967$2,317$633
22 years$5,626$4,445$3,477$2,697$2,077$525
23 years$5,325$4,157$3,211$2,457$1,865$436
24 years$5,049$3,895$2,969$2,241$1,676$363
25 years$4,795$3,655$2,750$2,046$1,508$302
26 years$4,562$3,435$2,551$1,871$1,358$251
27 years$4,346$3,233$2,369$1,713$1,225$209
28 years$4,146$3,047$2,202$1,569$1,105$174
29 years$3,959$2,874$2,049$1,439$998$145
30 years$3,786$2,714$1,909$1,321$902$120
31 years$3,624$2,566$1,779$1,213$815$100
32 years$3,473$2,428$1,660$1,115$737$84
33 years$3,331$2,299$1,550$1,025$667$70
34 years$3,198$2,179$1,448$943$604$58
35 years$3,072$2,067$1,354$868$547$48
36 years$2,954$1,962$1,267$800$496$40
37 years$2,843$1,863$1,186$737$449$34
38 years$2,737$1,771$1,110$679$407$28
39 years$2,637$1,684$1,040$626$369$23
40 years$2,543$1,602$975$577$335$19
41 years$2,453$1,525$914$533$304$16
42 years$2,368$1,452$858$492$276$13
43 years$2,287$1,384$805$454$250$11
44 years$2,210$1,319$755$419$227$9
45 years$2,136$1,258$709$387$206$8
46 years$2,066$1,200$666$358$187$6
47 years$2,000$1,145$626$330$170$5
48 years$1,936$1,093$588$305$154$5
49 years$1,874$1,044$553$282$140$4
50 years$1,816$997$520$261$127$3

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 $2,150 every year, while hoping to spend $45,022 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: 50/32/18 Blend
40$1,860,000$1,860,000$1,860,000$1,860,000
41$2,051,938$1,953,358$1,924,528$2,144,179
42$2,213,332$2,001,169$1,941,096$2,255,884
43$2,389,680$2,049,814$1,956,711$2,372,395
44$2,582,459$2,099,287$1,971,292$2,498,049
45$2,793,296$2,149,578$1,984,757$2,633,723
46$3,023,982$2,200,677$1,997,016$2,780,385
47$3,276,490$2,252,572$2,007,978$2,939,101
48$3,552,991$2,305,248$2,017,545$3,111,043
49$3,855,879$2,358,687$2,025,614$3,297,506
50$4,187,786$2,412,870$2,032,080$3,499,914
51$4,551,613$2,467,774$2,036,828$3,719,837
52$4,950,556$2,523,373$2,039,740$3,959,005
53$5,388,134$2,579,640$2,040,692$4,219,324
54$5,868,222$2,636,540$2,039,554$4,502,896
55$6,395,090$2,694,040$2,036,188$4,812,035
56$6,973,440$2,752,099$2,030,452$5,149,292
57$7,608,453$2,810,674$2,022,193$5,517,479
58$8,305,834$2,869,715$2,011,256$5,919,695
59$9,071,869$2,929,172$1,997,473$6,359,355
60$9,913,483$2,988,985$1,980,672$6,840,223
61$10,838,305$3,049,092$1,960,671$7,366,448
62$11,854,739$3,109,424$1,937,281$7,942,602
63$12,972,043$3,169,907$1,910,300$8,573,724
64$14,200,418$3,230,459$1,879,522$9,265,369
65$15,551,102$3,290,993$1,844,727$10,023,660
66$17,036,477$3,351,413$1,805,687$10,855,345
67$18,670,183$3,411,618$1,762,163$11,767,861
68$20,467,250$3,471,496$1,713,905$12,769,406
69$22,444,239$3,530,929$1,660,650$13,869,016
70$24,619,395$3,589,787$1,602,125$15,076,650
71$27,012,820$3,647,934$1,538,043$16,403,287
72$29,646,666$3,705,221$1,468,106$17,861,025
73$32,545,338$3,761,489$1,392,000$19,463,201
74$35,735,728$3,816,567$1,309,397$21,224,515
75$39,247,467$3,870,274$1,219,956$23,161,169
76$43,113,204$3,922,412$1,123,320$25,291,020
77$47,368,915$3,972,775$1,019,116$27,633,752
78$52,054,240$4,021,137$906,952$30,211,060
79$57,212,860$4,067,260$786,423$33,046,855
80$62,892,906$4,110,890$657,102$36,167,494
81$69,147,413$4,151,754$518,545$39,602,025
82$76,034,821$4,189,562$370,289$43,382,466
83$83,619,528$4,224,006$211,849$47,544,107
84$91,972,494$4,254,756$42,719$52,125,841
85$101,171,910$4,281,461$0$57,170,538
86$111,303,942$4,303,749$0$62,751,907
87$122,463,534$4,321,223$0$68,906,038
88$134,755,312$4,333,461$0$75,682,225
89$148,294,567$4,340,014$0$83,143,843
90$163,208,344$4,340,406$0$91,360,731
91$179,636,640$4,334,130$0$100,409,857
92$197,733,725$4,320,650$0$110,376,044
93$217,669,598$4,299,395$0$121,352,769
94$239,631,591$4,269,760$0$133,443,048
95$263,826,139$4,231,103$0$146,760,410
96$290,480,722$4,182,744$0$161,429,967
97$319,846,018$4,123,962$0$177,589,601
98$352,198,268$4,053,991$0$195,391,261
99$387,841,877$3,972,023$0$215,002,404
100$427,112,295$3,877,199$0$236,607,572