Can I retire at age 41 with 1,910,000?

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 $1,910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$157,726$156,321$154,950$153,612$152,306$146,263
2 years$78,082$76,628$75,219$73,852$72,527$66,513
3 years$51,538$50,077$48,671$47,318$46,014$40,220
4 years$38,268$36,812$35,420$34,090$32,818$27,286
5 years$30,308$28,861$27,488$26,184$24,947$19,693
6 years$25,004$23,567$22,214$20,940$19,740$14,767
7 years$21,216$19,792$18,460$17,216$16,054$11,359
8 years$18,377$16,965$15,656$14,442$13,318$8,898
9 years$16,169$14,771$13,484$12,301$11,216$7,063
10 years$14,405$13,020$11,756$10,604$9,557$5,662
11 years$12,962$11,591$10,350$9,228$8,219$4,575
12 years$11,760$10,404$9,185$8,095$7,122$3,719
13 years$10,744$9,402$8,206$7,146$6,211$3,037
14 years$9,874$8,546$7,373$6,344$5,444$2,490
15 years$9,121$7,807$6,657$5,657$4,794$2,048
16 years$8,462$7,163$6,036$5,066$4,237$1,688
17 years$7,882$6,597$5,492$4,551$3,756$1,394
18 years$7,366$6,095$5,014$4,102$3,340$1,154
19 years$6,906$5,649$4,590$3,706$2,977$956
20 years$6,491$5,250$4,212$3,357$2,659$793
21 years$6,117$4,890$3,874$3,046$2,380$658
22 years$5,778$4,564$3,571$2,770$2,133$547
23 years$5,468$4,269$3,297$2,523$1,915$455
24 years$5,185$4,000$3,049$2,301$1,721$378
25 years$4,924$3,754$2,824$2,101$1,549$315
26 years$4,684$3,528$2,619$1,921$1,395$262
27 years$4,463$3,320$2,432$1,759$1,258$218
28 years$4,257$3,128$2,261$1,611$1,135$182
29 years$4,066$2,951$2,104$1,478$1,025$152
30 years$3,888$2,787$1,960$1,356$926$126
31 years$3,722$2,635$1,827$1,245$837$105
32 years$3,566$2,493$1,705$1,145$757$88
33 years$3,421$2,361$1,592$1,052$685$73
34 years$3,284$2,238$1,487$968$620$61
35 years$3,155$2,122$1,391$891$562$51
36 years$3,034$2,014$1,301$821$509$42
37 years$2,919$1,913$1,218$756$461$35
38 years$2,811$1,818$1,140$697$418$29
39 years$2,708$1,729$1,068$643$379$25
40 years$2,611$1,645$1,001$593$344$20
41 years$2,519$1,566$939$547$312$17
42 years$2,432$1,491$881$505$283$14
43 years$2,349$1,421$826$466$257$12
44 years$2,269$1,354$776$430$233$10
45 years$2,194$1,292$728$397$212$8
46 years$2,122$1,232$684$367$192$7
47 years$2,053$1,176$643$339$175$6
48 years$1,988$1,122$604$313$159$5
49 years$1,925$1,072$568$290$144$4
50 years$1,865$1,024$534$268$131$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,910,000, adding $6,904 every year, while hoping to spend $42,803 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: 60/18/22 Blend
40$1,910,000$1,910,000$1,910,000$1,910,000
41$2,111,941$2,010,711$1,981,106$2,225,971
42$2,281,817$2,063,694$2,001,931$2,357,108
43$2,467,586$2,117,839$2,022,020$2,494,840
44$2,670,824$2,173,156$2,041,301$2,644,165
45$2,893,265$2,229,658$2,059,702$2,806,213
46$3,136,821$2,287,354$2,077,144$2,982,234
47$3,403,595$2,346,253$2,093,547$3,173,602
48$3,695,905$2,406,363$2,108,825$3,381,831
49$4,016,303$2,467,691$2,122,886$3,608,589
50$4,367,599$2,530,241$2,135,636$3,855,713
51$4,752,889$2,594,017$2,146,974$4,125,229
52$5,175,581$2,659,022$2,156,796$4,419,368
53$5,639,433$2,725,256$2,164,990$4,740,587
54$6,148,579$2,792,717$2,171,442$5,091,595
55$6,707,577$2,861,403$2,176,027$5,475,378
56$7,321,445$2,931,308$2,178,620$5,895,223
57$7,995,714$3,002,423$2,179,085$6,354,754
58$8,736,473$3,074,738$2,177,281$6,857,965
59$9,550,434$3,148,241$2,173,060$7,409,258
60$10,444,988$3,222,915$2,166,268$8,013,481
61$11,428,280$3,298,740$2,156,741$8,675,978
62$12,509,281$3,375,695$2,144,308$9,402,640
63$13,697,877$3,453,754$2,128,792$10,199,957
64$15,004,958$3,532,885$2,110,004$11,075,082
65$16,442,523$3,613,056$2,087,749$12,035,898
66$18,023,792$3,694,228$2,061,820$13,091,091
67$19,763,331$3,776,357$2,032,003$14,250,236
68$21,677,188$3,859,395$1,998,072$15,523,884
69$23,783,045$3,943,290$1,959,792$16,923,662
70$26,100,386$4,027,981$1,916,915$18,462,386
71$28,650,676$4,113,403$1,869,182$20,154,179
72$31,457,569$4,199,484$1,816,324$22,014,606
73$34,547,128$4,286,146$1,758,058$24,060,819
74$37,948,071$4,373,302$1,694,088$26,311,724
75$41,692,039$4,460,859$1,624,105$28,788,156
76$45,813,899$4,548,713$1,547,785$31,513,075
77$50,352,071$4,636,755$1,464,791$34,511,787
78$55,348,890$4,724,863$1,374,768$37,812,180
79$60,851,002$4,812,907$1,277,348$41,444,990
80$66,909,811$4,900,745$1,172,146$45,444,090
81$73,581,956$4,988,226$1,058,757$49,846,810
82$80,929,851$5,075,185$936,761$54,694,292
83$89,022,271$5,161,445$805,718$60,031,876
84$97,935,002$5,246,815$665,169$65,909,533
85$107,751,554$5,331,091$514,634$72,382,331
86$118,563,951$5,414,052$353,612$79,510,962
87$130,473,597$5,495,463$181,581$87,362,312
88$143,592,234$5,575,072$0$96,010,093
89$158,042,998$5,652,606$0$105,536,013
90$173,961,577$5,727,777$0$116,074,646
91$191,497,494$5,800,274$0$127,682,130
92$210,815,517$5,869,767$0$140,467,346
93$232,097,215$5,935,901$0$154,550,277
94$255,542,670$5,998,299$0$170,063,148
95$281,372,365$6,056,557$0$187,151,663
96$309,829,265$6,110,248$0$205,976,389
97$341,181,111$6,158,912$0$226,714,271
98$375,722,948$6,202,062$0$249,560,296
99$413,779,906$6,239,179$0$274,729,343
100$455,710,269$6,269,712$0$302,458,204