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%12.6%
1 years$154,423$153,047$151,705$150,395$149,116$147,498
2 years$76,447$75,023$73,643$72,306$71,008$69,378
3 years$50,458$49,028$47,652$46,327$45,050$43,460
4 years$37,467$36,041$34,679$33,376$32,130$30,592
5 years$29,674$28,257$26,912$25,636$24,425$22,943
6 years$24,480$23,074$21,749$20,501$19,327$17,902
7 years$20,772$19,377$18,073$16,855$15,718$14,352
8 years$17,992$16,610$15,328$14,139$13,039$11,732
9 years$15,831$14,462$13,202$12,044$10,981$9,732
10 years$14,103$12,747$11,510$10,382$9,356$8,164
11 years$12,690$11,348$10,133$9,035$8,047$6,911
12 years$11,514$10,186$8,993$7,925$6,973$5,893
13 years$10,519$9,205$8,034$6,997$6,081$5,054
14 years$9,667$8,367$7,219$6,211$5,330$4,356
15 years$8,930$7,643$6,518$5,539$4,693$3,769
16 years$8,285$7,013$5,909$4,960$4,148$3,273
17 years$7,716$6,458$5,377$4,456$3,678$2,851
18 years$7,212$5,968$4,909$4,016$3,270$2,489
19 years$6,761$5,531$4,494$3,629$2,915$2,178
20 years$6,356$5,140$4,124$3,286$2,604$1,909
21 years$5,989$4,787$3,793$2,983$2,330$1,676
22 years$5,657$4,469$3,496$2,712$2,088$1,474
23 years$5,354$4,180$3,228$2,470$1,875$1,297
24 years$5,076$3,916$2,985$2,253$1,685$1,143
25 years$4,821$3,675$2,765$2,057$1,516$1,008
26 years$4,586$3,454$2,564$1,881$1,366$890
27 years$4,369$3,251$2,381$1,722$1,231$786
28 years$4,168$3,063$2,214$1,577$1,111$695
29 years$3,981$2,890$2,060$1,447$1,003$615
30 years$3,807$2,729$1,919$1,328$907$544
31 years$3,644$2,580$1,789$1,219$820$481
32 years$3,492$2,441$1,669$1,121$741$426
33 years$3,349$2,312$1,558$1,030$671$378
34 years$3,215$2,191$1,456$948$607$335
35 years$3,089$2,078$1,361$873$550$297
36 years$2,970$1,972$1,274$804$499$263
37 years$2,858$1,873$1,192$741$452$233
38 years$2,752$1,780$1,116$683$410$207
39 years$2,652$1,693$1,046$629$371$183
40 years$2,557$1,611$980$581$337$163
41 years$2,466$1,533$919$536$306$144
42 years$2,381$1,460$862$494$277$128
43 years$2,299$1,391$809$456$252$114
44 years$2,222$1,326$759$421$228$101
45 years$2,148$1,265$713$389$207$90
46 years$2,078$1,206$670$359$188$79
47 years$2,010$1,151$629$332$171$71
48 years$1,946$1,099$591$307$155$63
49 years$1,885$1,049$556$284$141$56
50 years$1,826$1,002$523$262$128$49

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 $2,863 every year, while hoping to spend $39,921 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: 70/15/15 Blend
40$1,870,000$1,870,000$1,870,000$1,870,000
41$2,063,693$1,964,583$1,935,598$2,200,879
42$2,231,714$2,018,372$1,957,965$2,346,227
43$2,415,535$2,073,459$1,979,743$2,500,183
44$2,616,726$2,129,864$2,000,871$2,667,648
45$2,837,015$2,187,610$2,021,283$2,849,949
46$3,078,305$2,246,718$2,040,910$3,048,546
47$3,342,691$2,307,206$2,059,680$3,265,048
48$3,632,483$2,369,096$2,077,516$3,501,228
49$3,950,222$2,432,408$2,094,339$3,759,036
50$4,298,707$2,497,159$2,110,062$4,040,624
51$4,681,024$2,563,368$2,124,597$4,348,358
52$5,100,568$2,631,052$2,137,851$4,684,847
53$5,561,081$2,700,229$2,149,724$5,052,965
54$6,066,684$2,770,913$2,160,113$5,455,878
55$6,621,918$2,843,120$2,168,908$5,897,073
56$7,231,783$2,916,862$2,175,996$6,380,392
57$7,901,788$2,992,152$2,181,256$6,910,070
58$8,638,004$3,069,001$2,184,561$7,490,770
59$9,447,116$3,147,418$2,185,780$8,127,631
60$10,336,491$3,227,410$2,184,772$8,826,315
61$11,314,244$3,308,984$2,181,393$9,593,061
62$12,389,315$3,392,143$2,175,488$10,434,743
63$13,571,556$3,476,888$2,166,898$11,358,935
64$14,871,820$3,563,220$2,155,453$12,373,984
65$16,302,063$3,651,135$2,140,978$13,489,084
66$17,875,460$3,740,628$2,123,288$14,714,371
67$19,606,527$3,831,689$2,102,188$16,061,009
68$21,511,258$3,924,307$2,077,477$17,541,305
69$23,607,274$4,018,466$2,048,941$19,168,815
70$25,913,994$4,114,148$2,016,357$20,958,482
71$28,452,810$4,211,330$1,979,494$22,926,768
72$31,247,296$4,309,985$1,938,107$25,091,818
73$34,323,427$4,410,082$1,891,940$27,473,623
74$37,709,825$4,511,583$1,840,728$30,094,215
75$41,438,025$4,614,449$1,784,191$32,977,872
76$45,542,778$4,718,632$1,722,036$36,151,349
77$50,062,375$4,824,079$1,653,958$39,644,126
78$55,039,010$4,930,731$1,579,638$43,488,694
79$60,519,175$5,038,523$1,498,742$47,720,856
80$66,554,102$5,147,381$1,410,921$52,380,066
81$73,200,243$5,257,226$1,315,810$57,509,803
82$80,519,806$5,367,968$1,213,027$63,157,981
83$88,581,339$5,479,511$1,102,176$69,377,401
84$97,460,375$5,591,747$982,839$76,226,250
85$107,240,151$5,704,560$854,582$83,768,650
86$118,012,387$5,817,824$716,951$92,075,264
87$129,878,154$5,931,401$569,472$101,223,964
88$142,948,827$6,045,141$411,651$111,300,564
89$157,347,137$6,158,882$242,970$122,399,634
90$173,208,326$6,272,448$62,891$134,625,390
91$190,681,427$6,385,651$0$148,092,678
92$209,930,670$6,498,284$0$162,948,755
93$231,137,026$6,610,128$0$179,324,488
94$254,499,924$6,720,946$0$197,363,601
95$280,239,126$6,830,482$0$217,235,578
96$308,596,803$6,938,461$0$239,127,187
97$339,839,821$7,044,591$0$263,244,242
98$374,262,261$7,148,553$0$289,813,546
99$412,188,191$7,250,012$0$319,085,032
100$453,974,728$7,348,604$0$351,334,121