Can I retire at age 41 with 810,000?

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 $810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$66,889$66,293$65,712$65,145$64,591$62,003
2 years$33,113$32,497$31,899$31,319$30,757$28,183
3 years$21,856$21,237$20,641$20,067$19,514$17,034
4 years$16,229$15,611$15,021$14,457$13,917$11,551
5 years$12,853$12,240$11,657$11,104$10,580$8,332
6 years$10,604$9,994$9,421$8,880$8,371$6,244
7 years$8,997$8,393$7,829$7,301$6,808$4,801
8 years$7,793$7,195$6,639$6,125$5,648$3,758
9 years$6,857$6,264$5,718$5,217$4,756$2,981
10 years$6,109$5,522$4,985$4,497$4,053$2,389
11 years$5,497$4,916$4,389$3,914$3,486$1,929
12 years$4,987$4,412$3,895$3,433$3,020$1,567
13 years$4,556$3,987$3,480$3,031$2,634$1,279
14 years$4,187$3,624$3,127$2,690$2,309$1,047
15 years$3,868$3,311$2,823$2,399$2,033$861
16 years$3,589$3,038$2,560$2,148$1,797$709
17 years$3,342$2,797$2,329$1,930$1,593$585
18 years$3,124$2,585$2,126$1,739$1,416$484
19 years$2,929$2,396$1,946$1,572$1,263$401
20 years$2,753$2,226$1,786$1,424$1,128$332
21 years$2,594$2,074$1,643$1,292$1,009$276
22 years$2,450$1,936$1,514$1,175$905$229
23 years$2,319$1,810$1,398$1,070$812$190
24 years$2,199$1,696$1,293$976$730$158
25 years$2,088$1,592$1,198$891$657$131
26 years$1,987$1,496$1,111$815$592$109
27 years$1,892$1,408$1,031$746$533$91
28 years$1,805$1,327$959$683$481$76
29 years$1,724$1,252$892$627$435$63
30 years$1,649$1,182$831$575$393$52
31 years$1,578$1,117$775$528$355$44
32 years$1,512$1,057$723$485$321$36
33 years$1,451$1,001$675$446$291$30
34 years$1,393$949$631$411$263$25
35 years$1,338$900$590$378$238$21
36 years$1,286$854$552$348$216$18
37 years$1,238$811$516$321$196$15
38 years$1,192$771$484$296$177$12
39 years$1,149$733$453$273$161$10
40 years$1,107$698$425$251$146$8
41 years$1,068$664$398$232$132$7
42 years$1,031$632$373$214$120$6
43 years$996$603$350$198$109$5
44 years$962$574$329$183$99$4
45 years$930$548$309$169$90$3
46 years$900$523$290$156$82$3
47 years$871$499$273$144$74$2
48 years$843$476$256$133$67$2
49 years$816$455$241$123$61$2
50 years$791$434$226$114$55$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $810,000, adding $2,418 every year, while hoping to spend $49,285 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: 69/16/15 Blend
40$810,000$810,000$810,000$810,000
41$895,114$852,184$839,629$953,613
42$933,977$841,502$815,318$982,175
43$975,152$828,645$788,540$1,007,312
44$1,018,823$813,454$759,162$1,033,556
45$1,065,191$795,762$727,042$1,061,011
46$1,114,475$775,389$692,033$1,089,790
47$1,166,917$752,148$653,981$1,120,022
48$1,222,778$725,839$612,725$1,151,847
49$1,282,348$696,252$568,098$1,185,424
50$1,345,942$663,163$519,924$1,220,928
51$1,413,905$626,335$468,018$1,258,555
52$1,486,617$585,519$412,190$1,298,520
53$1,564,493$540,450$352,240$1,341,064
54$1,647,989$490,850$287,957$1,386,456
55$1,737,605$436,422$219,125$1,434,992
56$1,833,890$376,856$145,515$1,487,002
57$1,937,445$311,821$66,888$1,542,851
58$2,048,933$240,969$0$1,602,946
59$2,169,080$163,932$0$1,670,462
60$2,298,683$80,322$0$1,754,776
61$2,438,619$0$0$1,845,768
62$2,589,851$0$0$1,945,906
63$2,753,437$0$0$2,069,558
64$2,930,540$0$0$2,203,464
65$3,122,440$0$0$2,348,598
66$3,330,543$0$0$2,506,027
67$3,556,395$0$0$2,676,927
68$3,801,697$0$0$2,862,591
69$4,068,320$0$0$3,064,439
70$4,358,323$0$0$3,284,037
71$4,673,969$0$0$3,523,105
72$5,017,752$0$0$3,783,537
73$5,392,411$0$0$4,067,417
74$5,800,966$0$0$4,377,039
75$6,246,736$0$0$4,714,926
76$6,733,379$0$0$5,083,858
77$7,264,918$0$0$5,486,893
78$7,845,782$0$0$5,927,399
79$8,480,850$0$0$6,409,083
80$9,175,491$0$0$6,936,027
81$9,935,618$0$0$7,512,726
82$10,767,741$0$0$8,144,129
83$11,679,029$0$0$8,835,686
84$12,677,377$0$0$9,593,398
85$13,771,480$0$0$10,423,876
86$14,970,913$0$0$11,334,399
87$16,286,223$0$0$12,332,985
88$17,729,025$0$0$13,428,465
89$19,312,113$0$0$14,630,565
90$21,049,581$0$0$15,950,000
91$22,956,951$0$0$17,398,572
92$25,051,322$0$0$18,989,281
93$27,351,531$0$0$20,736,448
94$29,878,328$0$0$22,655,849
95$32,654,572$0$0$24,764,864
96$35,705,445$0$0$27,082,639
97$39,058,691$0$0$29,630,267
98$42,744,874$0$0$32,430,988
99$46,797,667$0$0$35,510,402
100$51,254,168$0$0$38,896,718