Can I retire at age 42 with 1,800,000?

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 $1,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$148,642$147,318$146,027$144,766$143,535$142,570
2 years$73,585$72,215$70,887$69,599$68,350$67,377
3 years$48,570$47,193$45,868$44,593$43,364$42,413
4 years$36,064$34,692$33,380$32,127$30,928$30,006
5 years$28,563$27,199$25,905$24,676$23,511$22,621
6 years$23,564$22,210$20,935$19,734$18,603$17,747
7 years$19,994$18,652$17,397$16,224$15,129$14,306
8 years$17,318$15,988$14,754$13,610$12,551$11,762
9 years$15,238$13,921$12,708$11,593$10,570$9,814
10 years$13,575$12,270$11,079$9,993$9,006$8,283
11 years$12,215$10,924$9,754$8,697$7,746$7,055
12 years$11,083$9,804$8,656$7,628$6,712$6,053
13 years$10,125$8,860$7,734$6,735$5,853$5,225
14 years$9,305$8,054$6,949$5,978$5,131$4,533
15 years$8,595$7,357$6,274$5,332$4,518$3,949
16 years$7,975$6,750$5,688$4,774$3,993$3,453
17 years$7,428$6,217$5,176$4,289$3,540$3,028
18 years$6,942$5,744$4,725$3,866$3,148$2,663
19 years$6,508$5,324$4,325$3,493$2,806$2,347
20 years$6,118$4,947$3,970$3,163$2,506$2,072
21 years$5,765$4,608$3,651$2,871$2,243$1,833
22 years$5,445$4,302$3,365$2,610$2,010$1,624
23 years$5,153$4,023$3,107$2,377$1,804$1,440
24 years$4,886$3,769$2,874$2,168$1,622$1,279
25 years$4,641$3,537$2,662$1,980$1,459$1,137
26 years$4,415$3,325$2,468$1,811$1,315$1,012
27 years$4,206$3,129$2,292$1,657$1,185$901
28 years$4,012$2,948$2,131$1,518$1,069$803
29 years$3,832$2,781$1,983$1,392$966$716
30 years$3,664$2,627$1,847$1,278$873$638
31 years$3,507$2,483$1,722$1,174$789$570
32 years$3,361$2,350$1,607$1,079$714$509
33 years$3,224$2,225$1,500$992$646$454
34 years$3,095$2,109$1,402$913$585$406
35 years$2,973$2,000$1,310$840$530$363
36 years$2,859$1,898$1,226$774$480$324
37 years$2,751$1,803$1,147$713$435$290
38 years$2,649$1,714$1,074$657$394$259
39 years$2,552$1,629$1,007$606$358$232
40 years$2,461$1,550$944$559$324$208
41 years$2,374$1,476$885$516$294$186
42 years$2,292$1,405$830$476$267$166
43 years$2,213$1,339$779$439$242$149
44 years$2,139$1,276$731$406$220$133
45 years$2,068$1,217$686$375$200$119
46 years$2,000$1,161$645$346$181$107
47 years$1,935$1,108$606$320$165$96
48 years$1,873$1,058$569$295$149$86
49 years$1,814$1,010$535$273$136$77
50 years$1,757$965$503$252$123$69

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 42 starting with $1,800,000, adding $4,383 every year, while hoping to spend $55,255 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: 25/45/30 Blend
41$1,800,000$1,800,000$1,800,000$1,800,000
42$1,988,121$1,892,721$1,864,821$2,019,114
43$2,132,119$1,926,674$1,868,502$2,079,600
44$2,288,952$1,960,438$1,870,454$2,139,458
45$2,459,872$1,993,946$1,870,561$2,202,507
46$2,646,255$2,027,126$1,868,701$2,269,055
47$2,849,617$2,059,899$1,864,747$2,339,443
48$3,071,626$2,092,182$1,858,563$2,414,049
49$3,314,117$2,123,884$1,850,010$2,493,293
50$3,579,111$2,154,908$1,838,940$2,577,640
51$3,868,834$2,185,152$1,825,198$2,667,607
52$4,185,734$2,214,504$1,808,622$2,763,766
53$4,532,511$2,242,847$1,789,042$2,866,753
54$4,912,134$2,270,053$1,766,282$2,977,270
55$5,327,873$2,295,987$1,740,154$3,096,098
56$5,783,331$2,320,505$1,710,463$3,224,099
57$6,282,474$2,343,453$1,677,007$3,362,232
58$6,829,670$2,364,667$1,639,571$3,511,556
59$7,429,732$2,383,971$1,597,932$3,673,246
60$8,087,958$2,401,179$1,551,857$3,848,600
61$8,810,186$2,416,093$1,501,100$4,039,057
62$9,602,845$2,428,501$1,445,406$4,246,210
63$10,473,016$2,438,179$1,384,509$4,471,822
64$11,428,502$2,444,887$1,318,127$4,717,842
65$12,477,895$2,448,372$1,245,970$4,986,427
66$13,630,662$2,448,364$1,167,732$5,279,964
67$14,897,232$2,444,577$1,083,094$5,601,091
68$16,289,093$2,436,705$991,721$5,952,728
69$17,818,904$2,424,427$893,267$6,338,101
70$19,500,607$2,407,399$787,367$6,760,776
71$21,349,566$2,385,258$673,640$7,224,698
72$23,382,705$2,357,619$551,690$7,734,225
73$25,618,672$2,324,073$421,103$8,294,172
74$28,078,012$2,284,188$281,446$8,909,862
75$30,783,361$2,237,505$132,266$9,587,175
76$33,759,659$2,183,539$0$10,332,607
77$37,034,387$2,121,775$0$11,161,954
78$40,637,820$2,051,668$0$12,120,264
79$44,603,321$1,972,642$0$13,174,072
80$48,967,647$1,884,089$0$14,333,214
81$53,771,299$1,785,362$0$15,608,543
82$59,058,907$1,675,779$0$17,012,031
83$64,879,642$1,554,620$0$18,556,883
84$71,287,690$1,421,120$0$20,257,666
85$78,342,753$1,274,474$0$22,130,444
86$86,110,621$1,113,830$0$24,192,939
87$94,663,783$938,287$0$26,464,696
88$104,082,119$746,893$0$28,967,271
89$114,453,648$538,644$0$31,724,435
90$125,875,361$312,478$0$34,762,408
91$138,454,132$67,274$0$38,110,103
92$152,307,732$0$0$41,799,404
93$167,565,935$0$0$45,963,594
94$184,371,742$0$0$50,587,268
95$202,882,736$0$0$55,680,521
96$223,272,561$0$0$61,291,187
97$245,732,565$0$0$67,471,976
98$270,473,605$0$0$74,280,971
99$297,728,036$0$0$81,782,180
100$327,751,901$0$0$90,046,135