Can I retire at age 41 with 900,000?

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 $900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$74,321$73,659$73,013$72,383$71,767$70,753
2 years$36,793$36,107$35,443$34,799$34,175$33,155
3 years$24,285$23,597$22,934$22,296$21,682$20,688
4 years$18,032$17,346$16,690$16,063$15,464$14,504
5 years$14,281$13,599$12,952$12,338$11,755$10,832
6 years$11,782$11,105$10,467$9,867$9,302$8,416
7 years$9,997$9,326$8,698$8,112$7,565$6,717
8 years$8,659$7,994$7,377$6,805$6,276$5,466
9 years$7,619$6,960$6,354$5,796$5,285$4,512
10 years$6,787$6,135$5,539$4,997$4,503$3,767
11 years$6,108$5,462$4,877$4,348$3,873$3,173
12 years$5,541$4,902$4,328$3,814$3,356$2,692
13 years$5,063$4,430$3,867$3,367$2,927$2,297
14 years$4,653$4,027$3,474$2,989$2,565$1,969
15 years$4,298$3,679$3,137$2,666$2,259$1,695
16 years$3,987$3,375$2,844$2,387$1,996$1,463
17 years$3,714$3,108$2,588$2,145$1,770$1,267
18 years$3,471$2,872$2,362$1,933$1,574$1,100
19 years$3,254$2,662$2,163$1,746$1,403$957
20 years$3,059$2,474$1,985$1,582$1,253$834
21 years$2,883$2,304$1,826$1,436$1,121$728
22 years$2,722$2,151$1,683$1,305$1,005$636
23 years$2,577$2,012$1,554$1,189$902$557
24 years$2,443$1,885$1,437$1,084$811$487
25 years$2,320$1,769$1,331$990$730$427
26 years$2,207$1,662$1,234$905$657$375
27 years$2,103$1,564$1,146$829$593$329
28 years$2,006$1,474$1,065$759$535$289
29 years$1,916$1,391$991$696$483$254
30 years$1,832$1,313$924$639$436$223
31 years$1,754$1,242$861$587$394$196
32 years$1,680$1,175$803$539$357$173
33 years$1,612$1,113$750$496$323$152
34 years$1,547$1,054$701$456$292$134
35 years$1,487$1,000$655$420$265$118
36 years$1,429$949$613$387$240$104
37 years$1,375$902$574$356$217$91
38 years$1,324$857$537$329$197$80
39 years$1,276$815$503$303$179$71
40 years$1,230$775$472$279$162$62
41 years$1,187$738$442$258$147$55
42 years$1,146$703$415$238$133$48
43 years$1,107$670$389$220$121$43
44 years$1,069$638$366$203$110$38
45 years$1,034$609$343$187$100$33
46 years$1,000$581$322$173$91$29
47 years$968$554$303$160$82$26
48 years$937$529$285$148$75$23
49 years$907$505$267$136$68$20
50 years$879$482$251$126$62$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $900,000, adding $3,236 every year, while hoping to spend $22,950 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: 82/7/11 Blend
40$900,000$900,000$900,000$900,000
41$995,138$947,438$933,488$1,074,637
42$1,072,223$969,444$940,341$1,149,209
43$1,156,402$991,759$946,655$1,227,703
44$1,248,374$1,014,374$952,386$1,313,196
45$1,348,909$1,037,278$957,492$1,406,380
46$1,458,854$1,060,461$961,924$1,508,013
47$1,579,142$1,083,909$965,634$1,618,933
48$1,710,802$1,107,608$968,570$1,740,062
49$1,854,964$1,131,541$970,677$1,872,414
50$2,012,876$1,155,692$971,900$2,017,108
51$2,185,908$1,180,040$972,178$2,175,376
52$2,375,573$1,204,564$971,448$2,348,575
53$2,583,535$1,229,241$969,645$2,538,200
54$2,811,627$1,254,046$966,700$2,745,898
55$3,061,869$1,278,950$962,540$2,973,483
56$3,336,484$1,303,923$957,090$3,222,955
57$3,637,922$1,328,932$950,269$3,496,515
58$3,968,882$1,353,942$941,995$3,796,591
59$4,332,337$1,378,914$932,181$4,125,856
60$4,731,561$1,403,806$920,735$4,487,256
61$5,170,162$1,428,574$907,561$4,884,036
62$5,652,113$1,453,169$892,559$5,319,773
63$6,181,793$1,477,539$875,624$5,798,407
64$6,764,025$1,501,627$856,647$6,324,280
65$7,404,123$1,525,374$835,512$6,902,177
66$8,107,941$1,548,715$812,099$7,537,370
67$8,881,929$1,571,581$786,283$8,235,668
68$9,733,195$1,593,897$757,931$9,003,473
69$10,669,566$1,615,583$726,908$9,847,837
70$11,699,670$1,636,555$693,068$10,776,535
71$12,833,012$1,656,722$656,261$11,798,131
72$14,080,064$1,675,986$616,330$12,922,063
73$15,452,365$1,694,243$573,112$14,158,734
74$16,962,629$1,711,384$526,434$15,519,603
75$18,624,864$1,727,289$476,116$17,017,301
76$20,454,507$1,741,833$421,973$18,665,747
77$22,468,566$1,754,882$363,808$20,480,277
78$24,685,781$1,766,293$301,418$22,477,793
79$27,126,803$1,775,914$234,587$24,676,920
80$29,814,386$1,783,582$163,095$27,098,183
81$32,773,603$1,789,128$86,708$29,764,200
82$36,032,082$1,792,366$5,184$32,699,896
83$39,620,266$1,793,104$0$35,932,737
84$43,571,701$1,791,134$0$39,502,595
85$47,923,354$1,786,239$0$43,434,498
86$52,715,956$1,778,184$0$47,764,627
87$57,994,392$1,766,724$0$52,533,523
88$63,808,124$1,751,597$0$57,785,861
89$70,211,653$1,732,526$0$63,570,872
90$77,265,037$1,709,215$0$69,942,805
91$85,034,458$1,681,354$0$76,961,440
92$93,592,844$1,648,612$0$84,692,656
93$103,020,559$1,610,639$0$93,209,044
94$113,406,161$1,567,064$0$102,590,604
95$124,847,235$1,517,496$0$112,925,488
96$137,451,318$1,461,519$0$124,310,840
97$151,336,912$1,398,693$0$136,853,711
98$166,634,602$1,328,554$0$150,672,068
99$183,488,288$1,250,610$0$165,895,909
100$202,056,545$1,164,341$0$182,668,490