Can I retire at age 42 with 1,750,000?

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$144,513$143,226$141,970$140,744$139,547$136,119
2 years$71,541$70,209$68,918$67,666$66,451$63,018
3 years$47,220$45,882$44,594$43,354$42,159$38,829
4 years$35,062$33,728$32,453$31,234$30,068$26,866
5 years$27,769$26,443$25,185$23,991$22,858$19,793
6 years$22,909$21,593$20,353$19,186$18,086$15,162
7 years$19,439$18,134$16,914$15,774$14,709$11,926
8 years$16,837$15,544$14,344$13,232$12,203$9,559
9 years$14,815$13,534$12,355$11,271$10,276$7,770
10 years$13,198$11,929$10,771$9,716$8,756$6,384
11 years$11,876$10,620$9,483$8,455$7,530$5,290
12 years$10,775$9,532$8,416$7,417$6,526$4,412
13 years$9,844$8,614$7,519$6,548$5,691$3,700
14 years$9,047$7,830$6,756$5,812$4,988$3,117
15 years$8,357$7,153$6,099$5,184$4,392$2,635
16 years$7,753$6,563$5,530$4,641$3,882$2,234
17 years$7,221$6,044$5,032$4,170$3,442$1,899
18 years$6,749$5,585$4,594$3,758$3,060$1,618
19 years$6,327$5,176$4,205$3,396$2,728$1,380
20 years$5,948$4,810$3,859$3,076$2,436$1,180
21 years$5,605$4,480$3,550$2,791$2,180$1,009
22 years$5,294$4,182$3,272$2,538$1,954$865
23 years$5,010$3,911$3,021$2,311$1,754$741
24 years$4,750$3,665$2,794$2,108$1,577$636
25 years$4,512$3,439$2,588$1,925$1,419$546
26 years$4,292$3,232$2,400$1,760$1,278$469
27 years$4,089$3,042$2,229$1,611$1,152$403
28 years$3,900$2,866$2,072$1,476$1,040$347
29 years$3,725$2,704$1,928$1,354$939$298
30 years$3,562$2,554$1,796$1,242$848$257
31 years$3,410$2,414$1,674$1,141$767$221
32 years$3,268$2,284$1,562$1,049$694$190
33 years$3,134$2,163$1,458$964$628$164
34 years$3,009$2,050$1,363$887$568$141
35 years$2,891$1,945$1,274$817$515$121
36 years$2,779$1,846$1,192$752$467$105
37 years$2,674$1,753$1,116$693$423$90
38 years$2,575$1,666$1,045$639$383$78
39 years$2,481$1,584$979$589$348$67
40 years$2,393$1,507$917$543$315$58
41 years$2,308$1,435$860$501$286$50
42 years$2,228$1,366$807$463$260$43
43 years$2,152$1,302$757$427$236$37
44 years$2,079$1,241$711$394$214$32
45 years$2,010$1,183$667$364$194$27
46 years$1,944$1,129$627$336$176$24
47 years$1,881$1,077$589$311$160$20
48 years$1,821$1,028$553$287$145$18
49 years$1,764$982$520$265$132$15
50 years$1,709$938$489$245$120$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 42 starting with $1,750,000, adding $2,408 every year, while hoping to spend $41,575 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: 66/13/21 Blend
41$1,750,000$1,750,000$1,750,000$1,750,000
42$1,930,984$1,838,234$1,811,109$2,047,997
43$2,083,709$1,884,072$1,827,546$2,172,666
44$2,250,618$1,930,762$1,843,139$2,303,927
45$2,433,115$1,978,304$1,857,818$2,446,445
46$2,632,744$2,026,692$1,871,506$2,601,329
47$2,851,206$2,075,922$1,884,124$2,769,796
48$3,090,373$2,125,986$1,895,586$2,953,189
49$3,352,309$2,176,877$1,905,806$3,152,990
50$3,639,283$2,228,583$1,914,689$3,370,826
51$3,953,797$2,281,091$1,922,139$3,608,496
52$4,298,607$2,334,386$1,928,053$3,867,978
53$4,676,744$2,388,451$1,932,322$4,151,453
54$5,091,552$2,443,265$1,934,835$4,461,325
55$5,546,710$2,498,804$1,935,471$4,800,241
56$6,046,272$2,555,044$1,934,108$5,171,119
57$6,594,705$2,611,954$1,930,613$5,577,176
58$7,196,926$2,669,501$1,924,850$6,021,954
59$7,858,356$2,727,649$1,916,675$6,509,360
60$8,584,962$2,786,358$1,905,938$7,043,695
61$9,383,321$2,845,583$1,892,480$7,629,705
62$10,260,678$2,905,275$1,876,137$8,272,613
63$11,225,014$2,965,380$1,856,734$8,978,182
64$12,285,121$3,025,839$1,834,089$9,752,758
65$13,450,686$3,086,587$1,808,014$10,603,338
66$14,732,381$3,147,556$1,778,309$11,537,630
67$16,141,967$3,208,669$1,744,764$12,564,133
68$17,692,396$3,269,842$1,707,163$13,692,210
69$19,397,944$3,330,988$1,665,276$14,932,181
70$21,274,337$3,392,009$1,618,866$16,295,420
71$23,338,903$3,452,801$1,567,681$17,794,461
72$25,610,734$3,513,251$1,511,461$19,443,119
73$28,110,866$3,573,238$1,449,932$21,256,618
74$30,862,479$3,632,631$1,382,810$23,251,737
75$33,891,111$3,691,290$1,309,794$25,446,969
76$37,224,906$3,749,064$1,230,573$27,862,693
77$40,894,869$3,805,791$1,144,820$30,521,368
78$44,935,169$3,861,298$1,052,195$33,447,748
79$49,383,454$3,915,399$952,341$36,669,114
80$54,281,208$3,967,896$844,886$40,215,530
81$59,674,143$4,018,575$729,442$44,120,129
82$65,612,630$4,067,209$605,602$48,419,430
83$72,152,172$4,113,555$472,943$53,153,675
84$79,353,929$4,157,355$331,022$58,367,217
85$87,285,295$4,198,331$179,377$64,108,935
86$96,020,535$4,236,189$17,526$70,432,699
87$105,641,482$4,270,615$0$77,397,876
88$116,238,311$4,301,273$0$85,104,668
89$127,910,391$4,327,808$0$93,596,857
90$140,767,220$4,349,839$0$102,950,099
91$154,929,459$4,366,964$0$113,252,098
92$170,530,072$4,378,754$0$124,599,502
93$187,715,579$4,384,752$0$137,098,815
94$206,647,438$4,384,475$0$150,867,401
95$227,503,570$4,377,407$0$166,034,595
96$250,480,037$4,363,003$0$182,742,922
97$275,792,893$4,340,683$0$201,149,442
98$303,680,224$4,309,832$0$221,427,235
99$334,404,390$4,269,797$0$243,767,030
100$368,254,509$4,219,888$0$268,379,013