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

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 $1,870,000?

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 $4,162 every year, while hoping to spend $42,915 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: 66/25/9 Blend
40$1,870,000$1,870,000$1,870,000$1,870,000
41$2,065,033$1,965,923$1,936,938$2,197,313
42$2,230,005$2,016,592$1,956,164$2,336,502
43$2,410,366$2,068,306$1,974,596$2,483,077
44$2,607,640$2,121,069$1,992,162$2,642,153
45$2,823,506$2,174,888$2,008,786$2,814,943
46$3,059,812$2,229,766$2,024,388$3,002,786
47$3,318,592$2,285,704$2,038,885$3,207,154
48$3,602,088$2,342,703$2,052,187$3,429,671
49$3,912,769$2,400,763$2,064,203$3,672,122
50$4,253,352$2,459,881$2,074,834$3,936,475
51$4,626,830$2,520,052$2,083,978$4,224,896
52$5,036,503$2,581,270$2,091,527$4,539,773
53$5,486,000$2,643,527$2,097,367$4,883,733
54$5,979,324$2,706,811$2,101,380$5,259,674
55$6,520,879$2,771,109$2,103,441$5,670,784
56$7,115,520$2,836,405$2,103,418$6,120,578
57$7,768,595$2,902,680$2,101,174$6,612,927
58$8,485,992$2,969,912$2,096,564$7,152,097
59$9,274,202$3,038,076$2,089,438$7,742,786
60$10,140,372$3,107,144$2,079,635$8,390,171
61$11,092,378$3,177,082$2,066,991$9,099,957
62$12,138,896$3,247,854$2,051,331$9,878,428
63$13,289,484$3,319,420$2,032,471$10,732,509
64$14,554,674$3,391,733$2,010,221$11,669,828
65$15,946,067$3,464,744$1,984,379$12,698,795
66$17,476,446$3,538,398$1,954,737$13,828,672
67$19,159,897$3,612,633$1,921,074$15,069,666
68$21,011,937$3,687,382$1,883,160$16,433,026
69$23,049,663$3,762,572$1,840,755$17,931,145
70$25,291,914$3,838,124$1,793,606$19,577,682
71$27,759,448$3,913,950$1,741,449$21,387,685
72$30,475,134$3,989,956$1,684,010$23,377,740
73$33,464,173$4,066,039$1,621,000$25,566,121
74$36,754,332$4,142,089$1,552,117$27,972,967
75$40,376,207$4,217,984$1,477,046$30,620,470
76$44,363,511$4,293,596$1,395,458$33,533,087
77$48,753,391$4,368,784$1,307,008$36,737,766
78$53,586,780$4,443,397$1,211,335$40,264,207
79$58,908,781$4,517,274$1,108,065$44,145,137
80$64,769,096$4,590,239$996,805$48,416,621
81$71,222,489$4,662,106$877,142$53,118,405
82$78,329,306$4,732,673$748,650$58,294,289
83$86,156,046$4,801,725$610,881$63,992,538
84$94,775,984$4,869,030$463,366$70,266,344
85$104,269,864$4,934,342$305,619$77,174,325
86$114,726,661$4,997,396$137,128$84,781,078
87$126,244,422$5,057,910$0$93,157,790
88$138,931,188$5,115,582$0$102,387,009
89$152,906,013$5,170,090$0$112,565,411
90$168,300,091$5,221,089$0$123,775,143
91$185,257,992$5,268,214$0$136,121,255
92$203,939,025$5,311,074$0$149,719,515
93$224,518,741$5,349,252$0$164,697,496
94$247,190,593$5,382,307$0$181,195,783
95$272,167,759$5,409,765$0$199,369,301
96$299,685,154$5,431,127$0$219,388,777
97$330,001,645$5,445,857$0$241,442,351
98$363,402,500$5,453,391$0$265,737,353
99$400,202,073$5,453,126$0$292,502,264
100$440,746,777$5,444,422$0$321,988,868