Can I retire at age 41 with 1,870,000?

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 $1,870,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$154,423$153,047$151,705$150,395$149,116$144,112
2 years$76,447$75,023$73,643$72,306$71,008$66,016
3 years$50,458$49,028$47,652$46,327$45,050$40,227
4 years$37,467$36,041$34,679$33,376$32,130$27,512
5 years$29,674$28,257$26,912$25,636$24,425$20,025
6 years$24,480$23,074$21,749$20,501$19,327$15,148
7 years$20,772$19,377$18,073$16,855$15,718$11,760
8 years$17,992$16,610$15,328$14,139$13,039$9,299
9 years$15,831$14,462$13,202$12,044$10,981$7,454
10 years$14,103$12,747$11,510$10,382$9,356$6,037
11 years$12,690$11,348$10,133$9,035$8,047$4,929
12 years$11,514$10,186$8,993$7,925$6,973$4,049
13 years$10,519$9,205$8,034$6,997$6,081$3,343
14 years$9,667$8,367$7,219$6,211$5,330$2,772
15 years$8,930$7,643$6,518$5,539$4,693$2,306
16 years$8,285$7,013$5,909$4,960$4,148$1,923
17 years$7,716$6,458$5,377$4,456$3,678$1,607
18 years$7,212$5,968$4,909$4,016$3,270$1,346
19 years$6,761$5,531$4,494$3,629$2,915$1,129
20 years$6,356$5,140$4,124$3,286$2,604$948
21 years$5,989$4,787$3,793$2,983$2,330$797
22 years$5,657$4,469$3,496$2,712$2,088$670
23 years$5,354$4,180$3,228$2,470$1,875$565
24 years$5,076$3,916$2,985$2,253$1,685$476
25 years$4,821$3,675$2,765$2,057$1,516$401
26 years$4,586$3,454$2,564$1,881$1,366$338
27 years$4,369$3,251$2,381$1,722$1,231$285
28 years$4,168$3,063$2,214$1,577$1,111$241
29 years$3,981$2,890$2,060$1,447$1,003$203
30 years$3,807$2,729$1,919$1,328$907$172
31 years$3,644$2,580$1,789$1,219$820$145
32 years$3,492$2,441$1,669$1,121$741$122
33 years$3,349$2,312$1,558$1,030$671$103
34 years$3,215$2,191$1,456$948$607$87
35 years$3,089$2,078$1,361$873$550$74
36 years$2,970$1,972$1,274$804$499$62
37 years$2,858$1,873$1,192$741$452$53
38 years$2,752$1,780$1,116$683$410$45
39 years$2,652$1,693$1,046$629$371$38
40 years$2,557$1,611$980$581$337$32
41 years$2,466$1,533$919$536$306$27
42 years$2,381$1,460$862$494$277$23
43 years$2,299$1,391$809$456$252$19
44 years$2,222$1,326$759$421$228$16
45 years$2,148$1,265$713$389$207$14
46 years$2,078$1,206$670$359$188$12
47 years$2,010$1,151$629$332$171$10
48 years$1,946$1,099$591$307$155$8
49 years$1,885$1,049$556$284$141$7
50 years$1,826$1,002$523$262$128$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,870,000, adding $5,372 every year, while hoping to spend $31,864 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: 66/10/24 Blend
40$1,870,000$1,870,000$1,870,000$1,870,000
41$2,066,281$1,967,171$1,938,186$2,189,507
42$2,243,139$2,029,660$1,969,212$2,335,556
43$2,436,968$2,094,142$2,000,210$2,491,070
44$2,649,466$2,160,682$2,031,144$2,660,366
45$2,882,503$2,229,347$2,061,979$2,844,800
46$3,138,137$2,300,204$2,092,674$3,045,869
47$3,418,637$2,373,324$2,123,189$3,265,218
48$3,726,501$2,448,780$2,153,479$3,504,662
49$4,064,481$2,526,647$2,183,497$3,766,199
50$4,435,608$2,607,002$2,213,194$4,052,029
51$4,843,221$2,689,926$2,242,517$4,364,576
52$5,290,998$2,775,502$2,271,410$4,706,510
53$5,782,993$2,863,814$2,299,816$5,080,774
54$6,323,669$2,954,952$2,327,670$5,490,609
55$6,917,945$3,049,006$2,354,908$5,939,584
56$7,571,239$3,146,070$2,381,461$6,431,634
57$8,289,519$3,246,242$2,407,254$6,971,092
58$9,079,364$3,349,622$2,432,211$7,562,734
59$9,948,019$3,456,313$2,456,250$8,211,819
60$10,903,468$3,566,423$2,479,285$8,924,145
61$11,954,506$3,680,062$2,501,225$9,706,099
62$13,110,824$3,797,344$2,521,975$10,564,716
63$14,383,101$3,918,387$2,541,435$11,507,753
64$15,783,102$4,043,313$2,559,498$12,543,751
65$17,323,791$4,172,247$2,576,053$13,682,125
66$19,019,450$4,305,320$2,590,983$14,933,250
67$20,885,818$4,442,665$2,604,165$16,308,555
68$22,940,237$4,584,421$2,615,470$17,820,635
69$25,201,815$4,730,731$2,624,762$19,483,371
70$27,691,607$4,881,744$2,631,898$21,312,055
71$30,432,812$5,037,610$2,636,728$23,323,541
72$33,450,995$5,198,489$2,639,095$25,536,400
73$36,774,325$5,364,544$2,638,833$27,971,095
74$40,433,841$5,535,941$2,635,769$30,650,179
75$44,463,747$5,712,857$2,629,721$33,598,499
76$48,901,731$5,895,469$2,620,499$36,843,441
77$53,789,325$6,083,963$2,607,902$40,415,180
78$59,172,290$6,278,532$2,591,721$44,346,969
79$65,101,057$6,479,373$2,571,737$48,675,453
80$71,631,193$6,686,691$2,547,718$53,441,011
81$78,823,932$6,900,696$2,519,425$58,688,145
82$86,746,752$7,121,609$2,486,604$64,465,890
83$95,474,006$7,349,654$2,448,991$70,828,285
84$105,087,632$7,585,064$2,406,309$77,834,881
85$115,677,919$7,828,080$2,358,269$85,551,300
86$127,344,362$8,078,952$2,304,567$94,049,859
87$140,196,603$8,337,936$2,244,885$103,410,250
88$154,355,460$8,605,298$2,178,892$113,720,294
89$169,954,073$8,881,314$2,106,241$125,076,767
90$187,139,156$9,166,266$2,026,569$137,586,320
91$206,072,386$9,460,449$1,939,495$151,366,479
92$226,931,924$9,764,166$1,844,622$166,546,757
93$249,914,100$10,077,729$1,741,536$183,269,881
94$275,235,263$10,401,464$1,629,803$201,693,132
95$303,133,828$10,735,704$1,508,970$221,989,837
96$333,872,521$11,080,795$1,378,563$244,351,000
97$367,740,860$11,437,096$1,238,087$268,987,110
98$405,057,890$11,804,976$1,087,025$296,130,126
99$446,175,193$12,184,818$924,838$326,035,665
100$491,480,204$12,577,015$750,961$358,985,421