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%18.2%
1 years$157,726$156,321$154,950$153,612$152,306$147,254
2 years$78,082$76,628$75,219$73,852$72,527$67,486
3 years$51,538$50,077$48,671$47,318$46,014$41,142
4 years$38,268$36,812$35,420$34,090$32,818$28,153
5 years$30,308$28,861$27,488$26,184$24,947$20,502
6 years$25,004$23,567$22,214$20,940$19,740$15,517
7 years$21,216$19,792$18,460$17,216$16,054$12,053
8 years$18,377$16,965$15,656$14,442$13,318$9,537
9 years$16,169$14,771$13,484$12,301$11,216$7,649
10 years$14,405$13,020$11,756$10,604$9,557$6,199
11 years$12,962$11,591$10,350$9,228$8,219$5,064
12 years$11,760$10,404$9,185$8,095$7,122$4,163
13 years$10,744$9,402$8,206$7,146$6,211$3,440
14 years$9,874$8,546$7,373$6,344$5,444$2,854
15 years$9,121$7,807$6,657$5,657$4,794$2,376
16 years$8,462$7,163$6,036$5,066$4,237$1,983
17 years$7,882$6,597$5,492$4,551$3,756$1,659
18 years$7,366$6,095$5,014$4,102$3,340$1,390
19 years$6,906$5,649$4,590$3,706$2,977$1,167
20 years$6,491$5,250$4,212$3,357$2,659$980
21 years$6,117$4,890$3,874$3,046$2,380$825
22 years$5,778$4,564$3,571$2,770$2,133$694
23 years$5,468$4,269$3,297$2,523$1,915$585
24 years$5,185$4,000$3,049$2,301$1,721$493
25 years$4,924$3,754$2,824$2,101$1,549$416
26 years$4,684$3,528$2,619$1,921$1,395$351
27 years$4,463$3,320$2,432$1,759$1,258$297
28 years$4,257$3,128$2,261$1,611$1,135$251
29 years$4,066$2,951$2,104$1,478$1,025$212
30 years$3,888$2,787$1,960$1,356$926$179
31 years$3,722$2,635$1,827$1,245$837$151
32 years$3,566$2,493$1,705$1,145$757$128
33 years$3,421$2,361$1,592$1,052$685$108
34 years$3,284$2,238$1,487$968$620$91
35 years$3,155$2,122$1,391$891$562$77
36 years$3,034$2,014$1,301$821$509$65
37 years$2,919$1,913$1,218$756$461$55
38 years$2,811$1,818$1,140$697$418$47
39 years$2,708$1,729$1,068$643$379$40
40 years$2,611$1,645$1,001$593$344$33
41 years$2,519$1,566$939$547$312$28
42 years$2,432$1,491$881$505$283$24
43 years$2,349$1,421$826$466$257$20
44 years$2,269$1,354$776$430$233$17
45 years$2,194$1,292$728$397$212$14
46 years$2,122$1,232$684$367$192$12
47 years$2,053$1,176$643$339$175$10
48 years$1,988$1,122$604$313$159$9
49 years$1,925$1,072$568$290$144$7
50 years$1,865$1,024$534$268$131$6

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 $2,786 every year, while hoping to spend $38,321 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: 72/13/15 Blend
40$1,910,000$1,910,000$1,910,000$1,910,000
41$2,107,694$2,006,464$1,976,859$2,252,169
42$2,281,905$2,064,007$2,002,310$2,405,891
43$2,472,602$2,123,086$2,027,330$2,569,241
44$2,681,425$2,183,735$2,051,863$2,747,116
45$2,910,181$2,245,989$2,075,852$2,940,945
46$3,160,861$2,309,884$2,099,234$3,152,302
47$3,435,657$2,375,455$2,121,946$3,382,922
48$3,736,981$2,442,740$2,143,919$3,634,714
49$4,067,494$2,511,775$2,165,081$3,909,783
50$4,430,123$2,582,597$2,185,356$4,210,444
51$4,828,095$2,655,243$2,204,664$4,539,250
52$5,264,961$2,729,751$2,222,921$4,899,012
53$5,744,637$2,806,158$2,240,038$5,292,828
54$6,271,433$2,884,503$2,255,923$5,724,108
55$6,850,098$2,964,823$2,270,476$6,196,612
56$7,485,866$3,047,157$2,283,594$6,714,480
57$8,184,499$3,131,543$2,295,169$7,282,274
58$8,952,347$3,218,018$2,305,087$7,905,019
59$9,796,407$3,306,621$2,313,227$8,588,253
60$10,724,384$3,397,389$2,319,465$9,338,077
61$11,744,771$3,490,361$2,323,666$10,161,213
62$12,866,922$3,585,572$2,325,693$11,065,067
63$14,101,144$3,683,061$2,325,400$12,057,800
64$15,458,793$3,782,864$2,322,633$13,148,403
65$16,952,381$3,885,016$2,317,233$14,346,785
66$18,595,694$3,989,552$2,309,031$15,663,862
67$20,403,922$4,096,507$2,297,850$17,111,663
68$22,393,800$4,205,914$2,283,506$18,703,445
69$24,583,769$4,317,805$2,265,805$20,453,813
70$26,994,148$4,432,211$2,244,543$22,378,861
71$29,647,324$4,549,163$2,219,509$24,496,324
72$32,567,967$4,668,688$2,190,479$26,825,747
73$35,783,260$4,790,814$2,157,219$29,388,663
74$39,323,153$4,915,564$2,119,487$32,208,803
75$43,220,650$5,042,962$2,077,025$35,312,318
76$47,512,118$5,173,029$2,029,567$38,728,023
77$52,237,628$5,305,782$1,976,832$42,487,673
78$57,441,338$5,441,237$1,918,528$46,626,261
79$63,171,904$5,579,407$1,854,347$51,182,346
80$69,482,941$5,720,301$1,783,971$56,198,423
81$76,433,530$5,863,925$1,707,063$61,721,316
82$84,088,775$6,010,281$1,623,274$67,802,627
83$92,520,413$6,159,369$1,532,237$74,499,221
84$101,807,498$6,311,180$1,433,570$81,873,761
85$112,037,141$6,465,706$1,326,873$89,995,302
86$123,305,333$6,622,930$1,211,727$98,939,940
87$135,717,854$6,782,830$1,087,697$108,791,535
88$149,391,267$6,945,380$954,326$119,642,498
89$164,454,018$7,110,546$811,138$131,594,667
90$181,047,653$7,278,288$657,636$144,760,267
91$199,328,147$7,448,558$493,301$159,262,969
92$219,467,381$7,621,300$317,589$175,239,058
93$241,654,761$7,796,451$129,936$192,838,721
94$266,099,008$7,973,939$0$212,227,465
95$293,030,126$8,153,680$0$233,598,931
96$322,701,571$8,335,583$0$257,165,782
97$355,392,648$8,519,544$0$283,128,797
98$391,411,144$8,705,447$0$311,732,167
99$431,096,233$8,893,166$0$343,244,992
100$474,821,677$9,082,560$0$377,963,807