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%17.8%
1 years$148,642$147,318$146,027$144,766$143,535$138,996
2 years$73,585$72,215$70,887$69,599$68,350$63,818
3 years$48,570$47,193$45,868$44,593$43,364$38,981
4 years$36,064$34,692$33,380$32,127$30,928$26,728
5 years$28,563$27,199$25,905$24,676$23,511$19,505
6 years$23,564$22,210$20,935$19,734$18,603$14,795
7 years$19,994$18,652$17,397$16,224$15,129$11,519
8 years$17,318$15,988$14,754$13,610$12,551$9,136
9 years$15,238$13,921$12,708$11,593$10,570$7,345
10 years$13,575$12,270$11,079$9,993$9,006$5,968
11 years$12,215$10,924$9,754$8,697$7,746$4,888
12 years$11,083$9,804$8,656$7,628$6,712$4,029
13 years$10,125$8,860$7,734$6,735$5,853$3,338
14 years$9,305$8,054$6,949$5,978$5,131$2,777
15 years$8,595$7,357$6,274$5,332$4,518$2,318
16 years$7,975$6,750$5,688$4,774$3,993$1,940
17 years$7,428$6,217$5,176$4,289$3,540$1,628
18 years$6,942$5,744$4,725$3,866$3,148$1,368
19 years$6,508$5,324$4,325$3,493$2,806$1,152
20 years$6,118$4,947$3,970$3,163$2,506$971
21 years$5,765$4,608$3,651$2,871$2,243$819
22 years$5,445$4,302$3,365$2,610$2,010$692
23 years$5,153$4,023$3,107$2,377$1,804$585
24 years$4,886$3,769$2,874$2,168$1,622$495
25 years$4,641$3,537$2,662$1,980$1,459$419
26 years$4,415$3,325$2,468$1,811$1,315$355
27 years$4,206$3,129$2,292$1,657$1,185$300
28 years$4,012$2,948$2,131$1,518$1,069$255
29 years$3,832$2,781$1,983$1,392$966$216
30 years$3,664$2,627$1,847$1,278$873$183
31 years$3,507$2,483$1,722$1,174$789$155
32 years$3,361$2,350$1,607$1,079$714$132
33 years$3,224$2,225$1,500$992$646$112
34 years$3,095$2,109$1,402$913$585$95
35 years$2,973$2,000$1,310$840$530$80
36 years$2,859$1,898$1,226$774$480$68
37 years$2,751$1,803$1,147$713$435$58
38 years$2,649$1,714$1,074$657$394$49
39 years$2,552$1,629$1,007$606$358$42
40 years$2,461$1,550$944$559$324$35
41 years$2,374$1,476$885$516$294$30
42 years$2,292$1,405$830$476$267$25
43 years$2,213$1,339$779$439$242$22
44 years$2,139$1,276$731$406$220$18
45 years$2,068$1,217$686$375$200$16
46 years$2,000$1,161$645$346$181$13
47 years$1,935$1,108$606$320$165$11
48 years$1,873$1,058$569$295$149$10
49 years$1,814$1,010$535$273$136$8
50 years$1,757$965$503$252$123$7

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 $5,566 every year, while hoping to spend $49,622 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: 68/21/11 Blend
41$1,800,000$1,800,000$1,800,000$1,800,000
42$1,989,341$1,893,941$1,866,041$2,119,612
43$2,139,457$1,933,947$1,875,756$2,246,898
44$2,303,221$1,974,250$1,884,134$2,379,585
45$2,481,973$2,014,812$1,891,076$2,523,403
46$2,677,189$2,055,592$1,896,481$2,679,435
47$2,890,491$2,096,545$1,900,243$2,848,877
48$3,123,668$2,137,622$1,902,247$3,033,043
49$3,378,686$2,178,770$1,902,377$3,233,385
50$3,657,713$2,219,931$1,900,507$3,451,498
51$3,963,134$2,261,042$1,896,509$3,689,143
52$4,297,577$2,302,036$1,890,245$3,948,257
53$4,663,935$2,342,841$1,881,573$4,230,977
54$5,065,393$2,383,377$1,870,342$4,539,655
55$5,505,460$2,423,559$1,856,396$4,876,886
56$5,988,002$2,463,298$1,839,570$5,245,525
57$6,517,273$2,502,495$1,819,691$5,648,722
58$7,097,963$2,541,046$1,796,578$6,089,947
59$7,735,235$2,578,837$1,770,044$6,573,022
60$8,434,777$2,615,748$1,739,888$7,102,161
61$9,202,855$2,651,650$1,705,905$7,682,008
62$10,046,370$2,686,404$1,667,876$8,317,680
63$10,972,925$2,719,864$1,625,576$9,014,815
64$11,990,897$2,751,871$1,578,766$9,779,629
65$13,109,512$2,782,256$1,527,198$10,618,971
66$14,338,935$2,810,839$1,470,612$11,540,390
67$15,690,365$2,837,429$1,408,737$12,552,204
68$17,176,141$2,861,822$1,341,288$13,663,581
69$18,809,854$2,883,798$1,267,968$14,884,627
70$20,606,481$2,903,126$1,188,466$16,226,478
71$22,582,521$2,919,558$1,102,460$17,701,406
72$24,756,155$2,932,833$1,009,608$19,322,939
73$27,147,411$2,942,670$909,558$21,105,984
74$29,778,358$2,948,771$801,939$23,066,971
75$32,673,311$2,950,823$686,366$25,224,009
76$35,859,063$2,948,487$562,433$27,597,054
77$39,365,134$2,941,409$429,721$30,208,103
78$43,224,050$2,929,211$287,789$33,081,395
79$47,471,651$2,911,490$136,178$36,243,648
80$52,147,428$2,887,822$0$39,724,307
81$57,294,895$2,857,754$0$43,558,830
82$62,961,999$2,820,809$0$47,797,228
83$69,201,573$2,776,478$0$52,462,981
84$76,071,833$2,724,225$0$57,599,593
85$83,636,928$2,663,480$0$63,255,012
86$91,967,544$2,593,641$0$69,482,072
87$101,141,573$2,514,068$0$76,339,001
88$111,244,842$2,424,086$0$83,889,967
89$122,371,930$2,322,981$0$92,205,685
90$134,627,055$2,209,994$0$101,364,086
91$148,125,057$2,084,327$0$111,451,049
92$162,992,487$1,945,133$0$122,561,219
93$179,368,792$1,791,516$0$134,798,896
94$197,407,639$1,622,531$0$148,279,023
95$217,278,361$1,437,177$0$163,128,270
96$239,167,552$1,234,398$0$179,486,231
97$263,280,836$1,013,076$0$197,506,745
98$289,844,798$772,034$0$217,359,347
99$319,109,127$510,023$0$239,230,868
100$351,348,973$225,729$0$263,327,205