Can I retire at age 41 with 810,000?

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 $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%13.2%
1 years$66,889$66,293$65,712$65,145$64,591$63,731
2 years$33,113$32,497$31,899$31,319$30,757$29,892
3 years$21,856$21,237$20,641$20,067$19,514$18,671
4 years$16,229$15,611$15,021$14,457$13,917$13,103
5 years$12,853$12,240$11,657$11,104$10,580$9,796
6 years$10,604$9,994$9,421$8,880$8,371$7,619
7 years$8,997$8,393$7,829$7,301$6,808$6,088
8 years$7,793$7,195$6,639$6,125$5,648$4,959
9 years$6,857$6,264$5,718$5,217$4,756$4,099
10 years$6,109$5,522$4,985$4,497$4,053$3,426
11 years$5,497$4,916$4,389$3,914$3,486$2,890
12 years$4,987$4,412$3,895$3,433$3,020$2,454
13 years$4,556$3,987$3,480$3,031$2,634$2,097
14 years$4,187$3,624$3,127$2,690$2,309$1,800
15 years$3,868$3,311$2,823$2,399$2,033$1,551
16 years$3,589$3,038$2,560$2,148$1,797$1,342
17 years$3,342$2,797$2,329$1,930$1,593$1,164
18 years$3,124$2,585$2,126$1,739$1,416$1,012
19 years$2,929$2,396$1,946$1,572$1,263$881
20 years$2,753$2,226$1,786$1,424$1,128$769
21 years$2,594$2,074$1,643$1,292$1,009$672
22 years$2,450$1,936$1,514$1,175$905$588
23 years$2,319$1,810$1,398$1,070$812$516
24 years$2,199$1,696$1,293$976$730$452
25 years$2,088$1,592$1,198$891$657$397
26 years$1,987$1,496$1,111$815$592$349
27 years$1,892$1,408$1,031$746$533$307
28 years$1,805$1,327$959$683$481$270
29 years$1,724$1,252$892$627$435$237
30 years$1,649$1,182$831$575$393$209
31 years$1,578$1,117$775$528$355$184
32 years$1,512$1,057$723$485$321$162
33 years$1,451$1,001$675$446$291$143
34 years$1,393$949$631$411$263$126
35 years$1,338$900$590$378$238$111
36 years$1,286$854$552$348$216$98
37 years$1,238$811$516$321$196$87
38 years$1,192$771$484$296$177$76
39 years$1,149$733$453$273$161$67
40 years$1,107$698$425$251$146$59
41 years$1,068$664$398$232$132$52
42 years$1,031$632$373$214$120$46
43 years$996$603$350$198$109$41
44 years$962$574$329$183$99$36
45 years$930$548$309$169$90$32
46 years$900$523$290$156$82$28
47 years$871$499$273$144$74$25
48 years$843$476$256$133$67$22
49 years$816$455$241$123$61$19
50 years$791$434$226$114$55$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $810,000, adding $5,430 every year, while hoping to spend $22,424 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: 49/22/29 Blend
40$810,000$810,000$810,000$810,000
41$898,221$855,291$842,736$934,591
42$965,981$873,341$847,109$978,733
43$1,039,900$891,525$850,876$1,024,026
44$1,120,584$909,824$853,995$1,072,806
45$1,208,698$928,219$856,418$1,125,414
46$1,304,975$946,692$858,098$1,182,227
47$1,410,222$965,219$858,983$1,243,658
48$1,525,326$983,776$859,021$1,310,168
49$1,651,265$1,002,337$858,154$1,382,260
50$1,789,116$1,020,874$856,324$1,460,492
51$1,940,065$1,039,356$853,470$1,545,480
52$2,105,417$1,057,749$849,527$1,637,900
53$2,286,611$1,076,020$844,427$1,738,500
54$2,485,228$1,094,128$838,099$1,848,107
55$2,703,015$1,112,034$830,468$1,967,629
56$2,941,891$1,129,692$821,457$2,098,071
57$3,203,972$1,147,055$810,984$2,240,540
58$3,491,588$1,164,072$798,964$2,396,256
59$3,807,308$1,180,689$785,306$2,566,566
60$4,153,957$1,196,846$769,917$2,752,956
61$4,534,650$1,212,482$752,700$2,957,064
62$4,952,820$1,227,529$733,551$3,180,696
63$5,412,246$1,241,916$712,363$3,425,845
64$5,917,091$1,255,566$689,023$3,694,708
65$6,471,944$1,268,398$663,415$3,989,708
66$7,081,858$1,280,326$635,415$4,313,518
67$7,752,401$1,291,255$604,895$4,669,085
68$8,489,708$1,301,089$571,721$5,059,657
69$9,300,537$1,309,720$535,752$5,488,819
70$10,192,334$1,317,039$496,842$5,960,521
71$11,173,303$1,322,925$454,838$6,479,120
72$12,252,484$1,327,252$409,578$7,049,420
73$13,439,835$1,329,886$360,897$7,676,717
74$14,746,331$1,330,682$308,620$8,366,853
75$16,184,062$1,329,491$252,564$9,126,266
76$17,766,349$1,326,149$192,538$9,962,055
77$19,507,873$1,320,487$128,344$10,882,049
78$21,424,807$1,312,321$59,774$11,894,876
79$23,534,973$1,301,461$0$13,010,050
80$25,858,008$1,287,700$0$14,242,209
81$28,415,550$1,270,823$0$15,618,776
82$31,231,442$1,250,599$0$17,134,057
83$34,331,957$1,226,786$0$18,802,181
84$37,746,044$1,199,126$0$20,638,722
85$41,505,603$1,167,346$0$22,660,841
86$45,645,785$1,131,156$0$24,887,451
87$50,205,324$1,090,252$0$27,339,396
88$55,226,902$1,044,308$0$30,039,649
89$60,757,550$992,984$0$33,013,527
90$66,849,096$935,916$0$36,288,929
91$73,558,649$872,721$0$39,896,606
92$80,949,141$802,995$0$43,870,445
93$89,089,920$726,308$0$48,247,793
94$98,057,404$642,209$0$53,069,809
95$107,935,801$550,219$0$58,381,852
96$118,817,905$449,832$0$64,233,912
97$130,805,973$340,515$0$70,681,080
98$144,012,685$221,704$0$77,784,073
99$158,562,214$92,802$0$85,609,802
100$174,591,393$0$0$94,232,007