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

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 $1,860,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$153,597$152,229$150,894$149,591$148,319$146,223
2 years$76,038$74,622$73,250$71,919$70,628$68,521
3 years$50,189$48,766$47,397$46,079$44,809$42,756
4 years$37,266$35,848$34,493$33,197$31,958$29,975
5 years$29,515$28,106$26,768$25,499$24,294$22,386
6 years$24,349$22,950$21,633$20,392$19,223$17,393
7 years$20,661$19,274$17,977$16,765$15,634$13,881
8 years$17,896$16,521$15,246$14,064$12,970$11,295
9 years$15,746$14,385$13,131$11,979$10,922$9,325
10 years$14,027$12,679$11,448$10,326$9,306$7,786
11 years$12,622$11,288$10,079$8,987$8,004$6,558
12 years$11,452$10,131$8,945$7,883$6,936$5,563
13 years$10,463$9,156$7,991$6,959$6,048$4,746
14 years$9,615$8,322$7,180$6,178$5,302$4,069
15 years$8,882$7,602$6,483$5,509$4,668$3,502
16 years$8,241$6,975$5,878$4,933$4,126$3,024
17 years$7,675$6,424$5,348$4,432$3,658$2,619
18 years$7,173$5,936$4,882$3,994$3,253$2,274
19 years$6,725$5,501$4,470$3,609$2,899$1,978
20 years$6,322$5,112$4,102$3,269$2,590$1,724
21 years$5,957$4,762$3,773$2,967$2,317$1,504
22 years$5,626$4,445$3,477$2,697$2,077$1,315
23 years$5,325$4,157$3,211$2,457$1,865$1,150
24 years$5,049$3,895$2,969$2,241$1,676$1,007
25 years$4,795$3,655$2,750$2,046$1,508$883
26 years$4,562$3,435$2,551$1,871$1,358$774
27 years$4,346$3,233$2,369$1,713$1,225$680
28 years$4,146$3,047$2,202$1,569$1,105$597
29 years$3,959$2,874$2,049$1,439$998$525
30 years$3,786$2,714$1,909$1,321$902$461
31 years$3,624$2,566$1,779$1,213$815$406
32 years$3,473$2,428$1,660$1,115$737$357
33 years$3,331$2,299$1,550$1,025$667$314
34 years$3,198$2,179$1,448$943$604$276
35 years$3,072$2,067$1,354$868$547$243
36 years$2,954$1,962$1,267$800$496$214
37 years$2,843$1,863$1,186$737$449$189
38 years$2,737$1,771$1,110$679$407$166
39 years$2,637$1,684$1,040$626$369$146
40 years$2,543$1,602$975$577$335$129
41 years$2,453$1,525$914$533$304$114
42 years$2,368$1,452$858$492$276$100
43 years$2,287$1,384$805$454$250$88
44 years$2,210$1,319$755$419$227$78
45 years$2,136$1,258$709$387$206$69
46 years$2,066$1,200$666$358$187$60
47 years$2,000$1,145$626$330$170$53
48 years$1,936$1,093$588$305$154$47
49 years$1,874$1,044$553$282$140$41
50 years$1,816$997$520$261$127$36

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 $2,504 every year, while hoping to spend $40,725 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: 67/13/20 Blend
40$1,860,000$1,860,000$1,860,000$1,860,000
41$2,052,303$1,953,723$1,924,893$2,179,392
42$2,218,307$2,006,124$1,946,046$2,317,215
43$2,399,878$2,059,728$1,966,542$2,462,934
44$2,598,562$2,114,551$1,986,317$2,621,308
45$2,816,059$2,170,608$2,005,303$2,793,582
46$3,054,242$2,227,913$2,023,426$2,981,126
47$3,315,176$2,286,482$2,040,612$3,185,448
48$3,601,130$2,346,326$2,056,779$3,408,212
49$3,914,608$2,407,459$2,071,843$3,651,250
50$4,258,365$2,469,891$2,085,717$3,916,579
51$4,635,435$2,533,633$2,098,306$4,206,422
52$5,049,163$2,598,694$2,109,512$4,523,229
53$5,503,229$2,665,082$2,119,233$4,869,699
54$6,001,691$2,732,802$2,127,359$5,248,804
55$6,549,015$2,801,861$2,133,777$5,663,820
56$7,150,123$2,872,261$2,138,367$6,118,358
57$7,810,437$2,944,004$2,141,004$6,616,395
58$8,535,930$3,017,088$2,141,556$7,162,313
59$9,333,181$3,091,512$2,139,885$7,760,941
60$10,209,440$3,167,270$2,135,845$8,417,602
61$11,172,691$3,244,355$2,129,284$9,138,159
62$12,231,734$3,322,756$2,120,043$9,929,075
63$13,396,260$3,402,461$2,107,954$10,797,469
64$14,676,951$3,483,454$2,092,843$11,751,188
65$16,085,572$3,565,715$2,074,525$12,798,881
66$17,635,086$3,649,221$2,052,807$13,950,075
67$19,339,777$3,733,945$2,027,489$15,215,271
68$21,215,384$3,819,858$1,998,359$16,606,042
69$23,279,245$3,906,923$1,965,196$18,135,141
70$25,550,467$3,995,101$1,927,769$19,816,620
71$28,050,100$4,084,346$1,885,835$21,665,967
72$30,801,341$4,174,610$1,839,141$23,700,249
73$33,829,747$4,265,836$1,787,422$25,938,274
74$37,163,482$4,357,962$1,730,401$28,400,771
75$40,833,574$4,450,919$1,667,787$31,110,581
76$44,874,218$4,544,633$1,599,277$34,092,878
77$49,323,089$4,639,022$1,524,554$37,375,403
78$54,221,704$4,733,993$1,443,286$40,988,729
79$59,615,809$4,829,450$1,355,127$44,966,547
80$65,555,813$4,925,284$1,259,715$49,345,986
81$72,097,261$5,021,379$1,156,671$54,167,965
82$79,301,362$5,117,607$1,045,599$59,477,578
83$87,235,562$5,213,830$926,088$65,324,518
84$95,974,182$5,309,901$797,705$71,763,552
85$105,599,121$5,405,658$660,000$78,855,032
86$116,200,623$5,500,927$512,502$86,665,472
87$127,878,136$5,595,522$354,720$95,268,168
88$140,741,245$5,689,241$186,142$104,743,900
89$154,910,706$5,781,868$6,232$115,181,686
90$170,519,588$5,873,170$0$126,679,632
91$187,714,529$5,962,898$0$139,385,491
92$206,657,114$6,050,783$0$153,382,763
93$227,525,408$6,136,540$0$168,801,547
94$250,515,629$6,219,860$0$185,786,678
95$275,844,006$6,300,416$0$204,497,759
96$303,748,815$6,377,857$0$225,110,671
97$334,492,629$6,451,806$0$247,819,230
98$368,364,797$6,521,865$0$272,837,019
99$405,684,174$6,587,604$0$300,399,402
100$446,802,133$6,648,570$0$330,765,748