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%14.4%
1 years$157,726$156,321$154,950$153,612$152,306$149,537
2 years$78,082$76,628$75,219$73,852$72,527$69,747
3 years$51,538$50,077$48,671$47,318$46,014$43,310
4 years$38,268$36,812$35,420$34,090$32,818$30,210
5 years$30,308$28,861$27,488$26,184$24,947$22,444
6 years$25,004$23,567$22,214$20,940$19,740$17,343
7 years$21,216$19,792$18,460$17,216$16,054$13,765
8 years$18,377$16,965$15,656$14,442$13,318$11,136
9 years$16,169$14,771$13,484$12,301$11,216$9,139
10 years$14,405$13,020$11,756$10,604$9,557$7,584
11 years$12,962$11,591$10,350$9,228$8,219$6,348
12 years$11,760$10,404$9,185$8,095$7,122$5,350
13 years$10,744$9,402$8,206$7,146$6,211$4,535
14 years$9,874$8,546$7,373$6,344$5,444$3,862
15 years$9,121$7,807$6,657$5,657$4,794$3,301
16 years$8,462$7,163$6,036$5,066$4,237$2,831
17 years$7,882$6,597$5,492$4,551$3,756$2,434
18 years$7,366$6,095$5,014$4,102$3,340$2,098
19 years$6,906$5,649$4,590$3,706$2,977$1,812
20 years$6,491$5,250$4,212$3,357$2,659$1,567
21 years$6,117$4,890$3,874$3,046$2,380$1,357
22 years$5,778$4,564$3,571$2,770$2,133$1,177
23 years$5,468$4,269$3,297$2,523$1,915$1,022
24 years$5,185$4,000$3,049$2,301$1,721$888
25 years$4,924$3,754$2,824$2,101$1,549$772
26 years$4,684$3,528$2,619$1,921$1,395$672
27 years$4,463$3,320$2,432$1,759$1,258$585
28 years$4,257$3,128$2,261$1,611$1,135$510
29 years$4,066$2,951$2,104$1,478$1,025$444
30 years$3,888$2,787$1,960$1,356$926$387
31 years$3,722$2,635$1,827$1,245$837$338
32 years$3,566$2,493$1,705$1,145$757$295
33 years$3,421$2,361$1,592$1,052$685$257
34 years$3,284$2,238$1,487$968$620$224
35 years$3,155$2,122$1,391$891$562$196
36 years$3,034$2,014$1,301$821$509$171
37 years$2,919$1,913$1,218$756$461$149
38 years$2,811$1,818$1,140$697$418$130
39 years$2,708$1,729$1,068$643$379$114
40 years$2,611$1,645$1,001$593$344$100
41 years$2,519$1,566$939$547$312$87
42 years$2,432$1,491$881$505$283$76
43 years$2,349$1,421$826$466$257$66
44 years$2,269$1,354$776$430$233$58
45 years$2,194$1,292$728$397$212$51
46 years$2,122$1,232$684$367$192$44
47 years$2,053$1,176$643$339$175$39
48 years$1,988$1,122$604$313$159$34
49 years$1,925$1,072$568$290$144$30
50 years$1,865$1,024$534$268$131$26

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 $2,505 every year, while hoping to spend $20,553 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: 71/15/14 Blend
40$1,910,000$1,910,000$1,910,000$1,910,000
41$2,107,404$2,006,174$1,976,569$2,250,318
42$2,300,491$2,082,608$2,020,916$2,421,902
43$2,512,584$2,162,099$2,066,059$2,606,945
44$2,745,600$2,244,774$2,112,005$2,808,979
45$3,001,650$2,330,768$2,158,756$3,029,675
46$3,283,062$2,420,219$2,206,318$3,270,878
47$3,592,398$2,513,273$2,254,693$3,534,616
48$3,932,482$2,610,082$2,303,885$3,823,123
49$4,306,425$2,710,806$2,353,894$4,138,858
50$4,717,653$2,815,609$2,404,723$4,484,529
51$5,169,945$2,924,665$2,456,372$4,863,118
52$5,667,459$3,038,153$2,508,841$5,277,910
53$6,214,781$3,156,264$2,562,128$5,732,519
54$6,816,960$3,279,192$2,616,231$6,230,929
55$7,479,563$3,407,145$2,671,147$6,777,526
56$8,208,720$3,540,337$2,726,872$7,377,141
57$9,011,187$3,678,991$2,783,400$8,035,094
58$9,894,410$3,823,343$2,840,726$8,757,245
59$10,866,589$3,973,637$2,898,840$9,550,051
60$11,936,764$4,130,128$2,957,734$10,420,621
61$13,114,893$4,293,083$3,017,397$11,376,788
62$14,411,949$4,462,781$3,077,816$12,427,179
63$15,840,024$4,639,514$3,138,979$13,581,301
64$17,412,441$4,823,585$3,200,870$14,849,622
65$19,143,883$5,015,312$3,263,472$16,243,677
66$21,050,525$5,215,029$3,326,764$17,776,174
67$23,150,195$5,423,082$3,390,727$19,461,112
68$25,462,535$5,639,833$3,455,337$21,313,914
69$28,009,192$5,865,663$3,520,569$23,351,572
70$30,814,015$6,100,967$3,586,394$25,592,806
71$33,903,290$6,346,159$3,652,783$28,058,241
72$37,305,977$6,601,672$3,719,702$30,770,602
73$41,053,991$6,867,959$3,787,117$33,754,926
74$45,182,501$7,145,492$3,854,989$37,038,797
75$49,730,261$7,434,766$3,923,276$40,652,610
76$54,739,975$7,736,297$3,991,933$44,629,852
77$60,258,703$8,050,626$4,060,913$49,007,423
78$66,338,302$8,378,317$4,130,165$53,825,977
79$73,035,916$8,719,962$4,199,632$59,130,311
80$80,414,516$9,076,177$4,269,257$64,969,783
81$88,543,495$9,447,608$4,338,975$71,398,780
82$97,499,321$9,834,930$4,408,720$78,477,228
83$107,366,259$10,238,849$4,478,420$86,271,161
84$118,237,168$10,660,104$4,547,998$94,853,337
85$130,214,376$11,099,465$4,617,372$104,303,929
86$143,410,645$11,557,742$4,686,457$114,711,281
87$157,950,237$12,035,778$4,755,160$126,172,736
88$173,970,087$12,534,456$4,823,383$138,795,559
89$191,621,092$13,054,701$4,891,023$152,697,948
90$211,069,540$13,597,478$4,957,969$168,010,146
91$232,498,678$14,163,799$5,024,105$184,875,669
92$256,110,439$14,754,721$5,089,309$203,452,665
93$282,127,352$15,371,351$5,153,449$223,915,400
94$310,794,640$16,014,845$5,216,388$246,455,903
95$342,382,536$16,686,415$5,277,979$271,285,780
96$377,188,833$17,387,328$5,338,070$298,638,206
97$415,541,695$18,118,908$5,396,497$328,770,132
98$457,802,757$18,882,544$5,453,088$361,964,698
99$504,370,535$19,679,685$5,507,663$398,533,916
100$555,684,191$20,511,851$5,560,032$438,821,606