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%12.1%
1 years$66,889$66,293$65,712$65,145$64,591$64,023
2 years$33,113$32,497$31,899$31,319$30,757$30,185
3 years$21,856$21,237$20,641$20,067$19,514$18,955
4 years$16,229$15,611$15,021$14,457$13,917$13,376
5 years$12,853$12,240$11,657$11,104$10,580$10,058
6 years$10,604$9,994$9,421$8,880$8,371$7,869
7 years$8,997$8,393$7,829$7,301$6,808$6,326
8 years$7,793$7,195$6,639$6,125$5,648$5,186
9 years$6,857$6,264$5,718$5,217$4,756$4,315
10 years$6,109$5,522$4,985$4,497$4,053$3,631
11 years$5,497$4,916$4,389$3,914$3,486$3,083
12 years$4,987$4,412$3,895$3,433$3,020$2,637
13 years$4,556$3,987$3,480$3,031$2,634$2,269
14 years$4,187$3,624$3,127$2,690$2,309$1,962
15 years$3,868$3,311$2,823$2,399$2,033$1,704
16 years$3,589$3,038$2,560$2,148$1,797$1,484
17 years$3,342$2,797$2,329$1,930$1,593$1,297
18 years$3,124$2,585$2,126$1,739$1,416$1,137
19 years$2,929$2,396$1,946$1,572$1,263$998
20 years$2,753$2,226$1,786$1,424$1,128$878
21 years$2,594$2,074$1,643$1,292$1,009$774
22 years$2,450$1,936$1,514$1,175$905$683
23 years$2,319$1,810$1,398$1,070$812$604
24 years$2,199$1,696$1,293$976$730$534
25 years$2,088$1,592$1,198$891$657$473
26 years$1,987$1,496$1,111$815$592$419
27 years$1,892$1,408$1,031$746$533$372
28 years$1,805$1,327$959$683$481$330
29 years$1,724$1,252$892$627$435$293
30 years$1,649$1,182$831$575$393$260
31 years$1,578$1,117$775$528$355$231
32 years$1,512$1,057$723$485$321$206
33 years$1,451$1,001$675$446$291$183
34 years$1,393$949$631$411$263$163
35 years$1,338$900$590$378$238$145
36 years$1,286$854$552$348$216$129
37 years$1,238$811$516$321$196$115
38 years$1,192$771$484$296$177$102
39 years$1,149$733$453$273$161$91
40 years$1,107$698$425$251$146$81
41 years$1,068$664$398$232$132$72
42 years$1,031$632$373$214$120$64
43 years$996$603$350$198$109$57
44 years$962$574$329$183$99$51
45 years$930$548$309$169$90$46
46 years$900$523$290$156$82$41
47 years$871$499$273$144$74$36
48 years$843$476$256$133$67$32
49 years$816$455$241$123$61$29
50 years$791$434$226$114$55$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $810,000, adding $3,171 every year, while hoping to spend $37,433 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: 30/45/25 Blend
40$810,000$810,000$810,000$810,000
41$895,891$852,961$840,406$915,762
42$947,443$854,928$828,731$933,347
43$1,003,000$855,736$815,411$948,731
44$1,062,928$855,290$800,350$964,520
45$1,127,635$853,487$783,449$980,776
46$1,197,565$850,219$764,606$997,567
47$1,273,207$845,371$743,711$1,014,974
48$1,355,100$838,819$720,651$1,033,087
49$1,443,835$830,436$695,307$1,052,009
50$1,540,062$820,083$667,556$1,071,859
51$1,644,496$807,615$637,267$1,092,772
52$1,757,924$792,878$604,305$1,114,899
53$1,881,210$775,707$568,527$1,138,413
54$2,015,308$755,931$529,787$1,163,508
55$2,161,263$733,365$487,928$1,190,404
56$2,320,228$707,816$442,790$1,219,349
57$2,493,470$679,078$394,203$1,250,622
58$2,682,385$646,934$341,990$1,284,536
59$2,888,509$611,155$285,967$1,321,441
60$3,113,533$571,496$225,942$1,361,734
61$3,359,316$527,702$161,714$1,405,856
62$3,627,907$479,501$93,072$1,454,301
63$3,921,561$426,604$19,799$1,507,624
64$4,242,762$368,710$0$1,566,443
65$4,594,244$305,496$0$1,647,026
66$4,979,016$236,625$0$1,741,216
67$5,400,394$161,738$0$1,844,651
68$5,862,028$80,457$0$1,958,362
69$6,367,940$0$0$2,083,486
70$6,922,555$0$0$2,225,061
71$7,530,752$0$0$2,424,130
72$8,197,900$0$0$2,642,624
73$8,929,917$0$0$2,882,500
74$9,733,318$0$0$3,145,908
75$10,615,281$0$0$3,435,219
76$11,583,713$0$0$3,753,045
77$12,647,324$0$0$4,102,265
78$13,815,709$0$0$4,486,046
79$15,099,437$0$0$4,907,881
80$16,510,153$0$0$5,371,618
81$18,060,685$0$0$5,881,495
82$19,765,165$0$0$6,442,181
83$21,639,165$0$0$7,058,822
84$23,699,839$0$0$7,737,085
85$25,966,086$0$0$8,483,217
86$28,458,729$0$0$9,304,098
87$31,200,711$0$0$10,207,310
88$34,217,310$0$0$11,201,207
89$37,536,376$0$0$12,294,992
90$41,188,598$0$0$13,498,809
91$45,207,787$0$0$14,823,832
92$49,631,199$0$0$16,282,373
93$54,499,884$0$0$17,888,001
94$59,859,074$0$0$19,655,664
95$65,758,607$0$0$21,601,837
96$72,253,400$0$0$23,744,670
97$79,403,966$0$0$26,104,164
98$87,276,982$0$0$28,702,360
99$95,945,921$0$0$31,563,542
100$105,491,742$0$0$34,714,470