Can I retire at age 41 with 430,000?

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 $430,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$35,509$35,193$34,884$34,583$34,289$33,365
2 years$17,579$17,251$16,934$16,626$16,328$15,404
3 years$11,603$11,274$10,957$10,653$10,359$9,464
4 years$8,615$8,288$7,974$7,675$7,388$6,528
5 years$6,823$6,498$6,188$5,895$5,616$4,794
6 years$5,629$5,306$5,001$4,714$4,444$3,661
7 years$4,776$4,456$4,156$3,876$3,614$2,870
8 years$4,137$3,819$3,525$3,251$2,998$2,292
9 years$3,640$3,325$3,036$2,769$2,525$1,856
10 years$3,243$2,931$2,647$2,387$2,151$1,520
11 years$2,918$2,610$2,330$2,078$1,850$1,254
12 years$2,648$2,342$2,068$1,822$1,603$1,042
13 years$2,419$2,117$1,847$1,609$1,398$870
14 years$2,223$1,924$1,660$1,428$1,226$730
15 years$2,053$1,758$1,499$1,274$1,079$615
16 years$1,905$1,613$1,359$1,140$954$519
17 years$1,774$1,485$1,236$1,025$846$439
18 years$1,658$1,372$1,129$923$752$372
19 years$1,555$1,272$1,033$834$670$316
20 years$1,461$1,182$948$756$599$269
21 years$1,377$1,101$872$686$536$229
22 years$1,301$1,028$804$624$480$195
23 years$1,231$961$742$568$431$167
24 years$1,167$900$686$518$387$142
25 years$1,109$845$636$473$349$122
26 years$1,055$794$590$433$314$104
27 years$1,005$747$548$396$283$89
28 years$958$704$509$363$255$76
29 years$915$664$474$333$231$65
30 years$875$627$441$305$208$56
31 years$838$593$411$280$188$48
32 years$803$561$384$258$170$41
33 years$770$532$358$237$154$35
34 years$739$504$335$218$140$30
35 years$710$478$313$201$127$26
36 years$683$454$293$185$115$22
37 years$657$431$274$170$104$19
38 years$633$409$257$157$94$16
39 years$610$389$240$145$85$14
40 years$588$370$225$133$77$12
41 years$567$353$211$123$70$10
42 years$547$336$198$114$64$9
43 years$529$320$186$105$58$8
44 years$511$305$175$97$53$6
45 years$494$291$164$89$48$6
46 years$478$277$154$83$43$5
47 years$462$265$145$76$39$4
48 years$447$253$136$71$36$3
49 years$433$241$128$65$32$3
50 years$420$231$120$60$29$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $430,000, adding $3,784 every year, while hoping to spend $31,135 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: 40/30/30 Blend
40$430,000$430,000$430,000$430,000
41$477,763$454,973$448,308$492,520
42$493,368$444,139$430,199$492,802
43$509,520$431,731$410,440$489,959
44$526,244$417,639$388,942$486,301
45$543,563$401,746$365,614$481,774
46$561,504$383,928$340,360$476,320
47$580,093$364,057$313,077$469,879
48$599,360$341,993$283,663$462,388
49$619,335$317,591$252,006$453,781
50$640,051$290,696$217,992$443,988
51$661,542$261,147$181,501$432,936
52$683,847$228,770$142,408$420,548
53$707,003$193,384$100,583$406,745
54$731,054$154,796$55,888$391,441
55$756,043$112,803$8,183$374,550
56$782,020$67,191$0$355,978
57$809,036$17,733$0$349,306
58$837,145$0$0$344,440
59$866,408$0$0$350,527
60$896,888$0$0$362,974
61$928,653$0$0$375,956
62$961,777$0$0$389,505
63$996,339$0$0$403,655
64$1,032,425$0$0$418,442
65$1,070,127$0$0$433,907
66$1,109,545$0$0$450,092
67$1,150,787$0$0$467,043
68$1,193,970$0$0$484,811
69$1,239,221$0$0$503,451
70$1,286,676$0$0$523,021
71$1,336,485$0$0$543,586
72$1,388,810$0$0$565,216
73$1,443,825$0$0$587,987
74$1,501,723$0$0$611,983
75$1,562,711$0$0$637,292
76$1,627,016$0$0$664,014
77$1,694,885$0$0$692,255
78$1,766,587$0$0$722,134
79$1,842,415$0$0$753,777
80$1,922,691$0$0$787,324
81$2,007,763$0$0$822,927
82$2,098,015$0$0$860,754
83$2,193,865$0$0$900,987
84$2,295,770$0$0$943,826
85$2,404,230$0$0$989,488
86$2,519,793$0$0$1,038,214
87$2,643,059$0$0$1,090,266
88$2,774,685$0$0$1,145,931
89$2,915,391$0$0$1,205,524
90$3,065,966$0$0$1,269,390
91$3,227,276$0$0$1,337,910
92$3,400,270$0$0$1,411,498
93$3,585,989$0$0$1,490,612
94$3,785,576$0$0$1,575,752
95$4,000,287$0$0$1,667,470
96$4,231,499$0$0$1,766,368
97$4,480,724$0$0$1,873,112
98$4,749,625$0$0$1,988,431
99$5,040,028$0$0$2,113,127
100$5,353,939$0$0$2,248,080