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

Use the below retirement simulation to view the chances of a successful retirement.
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%11.4%
1 years$157,726$156,321$154,950$153,612$152,306$151,410
2 years$78,082$76,628$75,219$73,852$72,527$71,622
3 years$51,538$50,077$48,671$47,318$46,014$45,130
4 years$38,268$36,812$35,420$34,090$32,818$31,960
5 years$30,308$28,861$27,488$26,184$24,947$24,119
6 years$25,004$23,567$22,214$20,940$19,740$18,942
7 years$21,216$19,792$18,460$17,216$16,054$15,287
8 years$18,377$16,965$15,656$14,442$13,318$12,582
9 years$16,169$14,771$13,484$12,301$11,216$10,511
10 years$14,405$13,020$11,756$10,604$9,557$8,882
11 years$12,962$11,591$10,350$9,228$8,219$7,574
12 years$11,760$10,404$9,185$8,095$7,122$6,507
13 years$10,744$9,402$8,206$7,146$6,211$5,624
14 years$9,874$8,546$7,373$6,344$5,444$4,885
15 years$9,121$7,807$6,657$5,657$4,794$4,262
16 years$8,462$7,163$6,036$5,066$4,237$3,732
17 years$7,882$6,597$5,492$4,551$3,756$3,277
18 years$7,366$6,095$5,014$4,102$3,340$2,886
19 years$6,906$5,649$4,590$3,706$2,977$2,547
20 years$6,491$5,250$4,212$3,357$2,659$2,252
21 years$6,117$4,890$3,874$3,046$2,380$1,995
22 years$5,778$4,564$3,571$2,770$2,133$1,770
23 years$5,468$4,269$3,297$2,523$1,915$1,572
24 years$5,185$4,000$3,049$2,301$1,721$1,398
25 years$4,924$3,754$2,824$2,101$1,549$1,245
26 years$4,684$3,528$2,619$1,921$1,395$1,109
27 years$4,463$3,320$2,432$1,759$1,258$989
28 years$4,257$3,128$2,261$1,611$1,135$883
29 years$4,066$2,951$2,104$1,478$1,025$788
30 years$3,888$2,787$1,960$1,356$926$704
31 years$3,722$2,635$1,827$1,245$837$630
32 years$3,566$2,493$1,705$1,145$757$563
33 years$3,421$2,361$1,592$1,052$685$504
34 years$3,284$2,238$1,487$968$620$451
35 years$3,155$2,122$1,391$891$562$404
36 years$3,034$2,014$1,301$821$509$362
37 years$2,919$1,913$1,218$756$461$324
38 years$2,811$1,818$1,140$697$418$290
39 years$2,708$1,729$1,068$643$379$260
40 years$2,611$1,645$1,001$593$344$233
41 years$2,519$1,566$939$547$312$209
42 years$2,432$1,491$881$505$283$187
43 years$2,349$1,421$826$466$257$168
44 years$2,269$1,354$776$430$233$151
45 years$2,194$1,292$728$397$212$135
46 years$2,122$1,232$684$367$192$121
47 years$2,053$1,176$643$339$175$109
48 years$1,988$1,122$604$313$159$98
49 years$1,925$1,072$568$290$144$87
50 years$1,865$1,024$534$268$131$78

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 $6,344 every year, while hoping to spend $29,940 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: 65/29/6 Blend
40$1,910,000$1,910,000$1,910,000$1,910,000
41$2,111,364$2,010,134$1,980,529$2,246,145
42$2,294,867$2,076,774$2,015,021$2,403,169
43$2,496,084$2,145,677$2,049,664$2,570,493
44$2,716,790$2,216,921$2,084,434$2,752,499
45$2,958,941$2,290,588$2,119,300$2,950,612
46$3,224,689$2,366,763$2,154,233$3,166,398
47$3,516,408$2,445,535$2,189,201$3,401,581
48$3,836,710$2,526,995$2,224,168$3,658,060
49$4,188,475$2,611,238$2,259,097$3,937,922
50$4,574,873$2,698,362$2,293,950$4,243,467
51$4,999,397$2,788,469$2,328,685$4,577,225
52$5,465,896$2,881,665$2,363,257$4,941,983
53$5,978,610$2,978,058$2,397,618$5,340,807
54$6,542,209$3,077,764$2,431,719$5,777,076
55$7,161,840$3,180,900$2,465,507$6,254,507
56$7,843,170$3,287,587$2,498,925$6,777,196
57$8,592,448$3,397,953$2,531,913$7,349,652
58$9,416,554$3,512,129$2,564,408$7,976,839
59$10,323,071$3,630,252$2,596,344$8,664,228
60$11,320,352$3,752,462$2,627,650$9,417,839
61$12,417,602$3,878,907$2,658,250$10,244,308
62$13,624,963$4,009,739$2,688,067$11,150,939
63$14,953,609$4,145,116$2,717,017$12,145,780
64$16,415,852$4,285,201$2,745,012$13,237,695
65$18,025,259$4,430,166$2,771,960$14,436,447
66$19,796,777$4,580,186$2,797,762$15,752,793
67$21,746,878$4,735,444$2,822,317$17,198,578
68$23,893,710$4,896,132$2,845,515$18,786,855
69$26,257,271$5,062,445$2,867,243$20,532,001
70$28,859,598$5,234,590$2,887,380$22,449,855
71$31,724,970$5,412,778$2,905,801$24,557,868
72$34,880,144$5,597,231$2,922,372$26,875,263
73$38,354,601$5,788,178$2,936,954$29,423,218
74$42,180,828$5,985,857$2,949,400$32,225,069
75$46,394,624$6,190,515$2,959,555$35,306,523
76$51,035,434$6,402,408$2,967,259$38,695,903
77$56,146,726$6,621,804$2,972,340$42,424,417
78$61,776,398$6,848,979$2,974,620$46,526,447
79$67,977,233$7,084,221$2,973,912$51,039,877
80$74,807,392$7,327,829$2,970,019$56,006,447
81$82,330,966$7,580,112$2,962,734$61,472,147
82$90,618,580$7,841,394$2,951,842$67,487,652
83$99,748,062$8,112,009$2,937,116$74,108,797
84$109,805,173$8,392,306$2,918,317$81,397,104
85$120,884,417$8,682,645$2,895,197$89,420,362
86$133,089,936$8,983,403$2,867,495$98,253,265
87$146,536,490$9,294,971$2,834,937$107,978,119
88$161,350,541$9,617,754$2,797,236$118,685,614
89$177,671,447$9,952,174$2,754,094$130,475,682
90$195,652,774$10,298,670$2,705,196$143,458,438
91$215,463,750$10,657,698$2,650,213$157,755,217
92$237,290,858$11,029,731$2,588,801$173,499,722
93$261,339,601$11,415,263$2,520,601$190,839,280
94$287,836,435$11,814,806$2,445,236$209,936,237
95$317,030,913$12,228,893$2,362,313$230,969,484
96$349,198,035$12,658,077$2,271,419$254,136,148
97$384,640,847$13,102,936$2,172,124$279,653,449
98$423,693,301$13,564,067$2,063,978$307,760,753
99$466,723,408$14,042,096$1,946,511$338,721,825
100$514,136,706$14,537,670$1,819,230$372,827,322