Can I retire at age 42 with 1,810,000?

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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$149,468$148,137$146,838$145,570$144,332$141,129
2 years$73,994$72,616$71,280$69,986$68,729$65,520
3 years$48,839$47,455$46,123$44,840$43,605$40,488
4 years$36,265$34,885$33,566$32,305$31,099$28,099
5 years$28,722$27,350$26,048$24,813$23,641$20,767
6 years$23,695$22,333$21,051$19,843$18,706$15,960
7 years$20,105$18,756$17,494$16,314$15,213$12,596
8 years$17,414$16,077$14,836$13,686$12,621$10,131
9 years$15,323$13,998$12,778$11,657$10,629$8,265
10 years$13,650$12,338$11,140$10,049$9,056$6,816
11 years$12,283$10,984$9,808$8,745$7,789$5,669
12 years$11,144$9,859$8,704$7,671$6,749$4,748
13 years$10,182$8,909$7,777$6,772$5,886$3,998
14 years$9,357$8,098$6,987$6,012$5,159$3,381
15 years$8,643$7,398$6,309$5,361$4,543$2,870
16 years$8,019$6,788$5,720$4,800$4,015$2,444
17 years$7,469$6,251$5,205$4,313$3,560$2,087
18 years$6,980$5,776$4,751$3,887$3,165$1,785
19 years$6,544$5,353$4,349$3,512$2,821$1,530
20 years$6,152$4,975$3,992$3,181$2,520$1,314
21 years$5,797$4,634$3,672$2,887$2,255$1,129
22 years$5,475$4,325$3,384$2,625$2,021$972
23 years$5,182$4,045$3,124$2,391$1,815$837
24 years$4,913$3,790$2,890$2,180$1,631$722
25 years$4,666$3,557$2,676$1,991$1,468$623
26 years$4,439$3,343$2,482$1,821$1,322$538
27 years$4,229$3,146$2,305$1,666$1,192$464
28 years$4,034$2,965$2,143$1,527$1,075$401
29 years$3,853$2,797$1,994$1,400$971$347
30 years$3,684$2,641$1,857$1,285$877$300
31 years$3,527$2,497$1,732$1,180$793$259
32 years$3,380$2,363$1,616$1,085$718$224
33 years$3,241$2,237$1,508$997$649$194
34 years$3,112$2,121$1,409$918$588$168
35 years$2,990$2,011$1,318$845$533$145
36 years$2,875$1,909$1,233$778$483$126
37 years$2,766$1,813$1,154$717$437$109
38 years$2,664$1,723$1,080$661$396$94
39 years$2,567$1,639$1,012$609$360$82
40 years$2,475$1,559$949$562$326$71
41 years$2,387$1,484$890$518$296$61
42 years$2,304$1,413$835$478$268$53
43 years$2,226$1,347$783$442$244$46
44 years$2,151$1,284$735$408$221$40
45 years$2,079$1,224$690$377$201$35
46 years$2,011$1,168$648$348$182$30
47 years$1,946$1,114$609$321$166$26
48 years$1,884$1,064$572$297$150$22
49 years$1,824$1,016$538$274$137$19
50 years$1,767$970$506$254$124$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 42 starting with $1,810,000, adding $5,980 every year, while hoping to spend $43,869 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: 63/9/28 Blend
41$1,810,000$1,810,000$1,810,000$1,810,000
42$2,000,788$1,904,858$1,876,803$2,111,533
43$2,158,193$1,951,520$1,893,000$2,234,029
44$2,330,182$1,998,998$1,908,269$2,362,450
45$2,518,197$2,047,286$1,922,533$2,501,786
46$2,723,825$2,096,375$1,935,710$2,653,116
47$2,948,814$2,146,256$1,947,715$2,817,626
48$3,195,088$2,196,917$1,958,458$2,996,625
49$3,464,764$2,248,343$1,967,843$3,191,556
50$3,760,176$2,300,518$1,975,772$3,404,007
51$4,083,894$2,353,423$1,982,140$3,635,731
52$4,438,746$2,407,036$1,986,837$3,888,659
53$4,827,849$2,461,333$1,989,748$4,164,918
54$5,254,637$2,516,284$1,990,751$4,466,854
55$5,722,888$2,571,861$1,989,719$4,797,052
56$6,236,768$2,628,027$1,986,520$5,158,362
57$6,800,863$2,684,745$1,981,013$5,553,923
58$7,420,226$2,741,973$1,973,052$5,987,199
59$8,100,423$2,799,663$1,962,483$6,462,003
60$8,847,585$2,857,766$1,949,145$6,982,542
61$9,668,466$2,916,224$1,932,869$7,553,450
62$10,570,508$2,974,977$1,913,479$8,179,838
63$11,561,907$3,033,959$1,890,788$8,867,336
64$12,651,696$3,093,096$1,864,603$9,622,152
65$13,849,822$3,152,312$1,834,721$10,451,127
66$15,167,249$3,211,520$1,800,929$11,361,801
67$16,616,053$3,270,629$1,763,005$12,362,488
68$18,209,539$3,329,539$1,720,715$13,462,347
69$19,962,369$3,388,143$1,673,815$14,671,477
70$21,890,694$3,446,326$1,622,052$16,001,007
71$24,012,312$3,503,962$1,565,157$17,463,204
72$26,346,830$3,560,919$1,502,853$19,071,588
73$28,915,856$3,617,053$1,434,847$20,841,061
74$31,743,194$3,672,209$1,360,835$22,788,050
75$34,855,074$3,726,222$1,280,498$24,930,656
76$38,280,401$3,778,916$1,193,503$27,288,832
77$42,051,018$3,830,100$1,099,502$29,884,571
78$46,202,019$3,879,571$998,132$32,742,110
79$50,772,067$3,927,113$889,013$35,888,163
80$55,803,771$3,972,494$771,747$39,352,174
81$61,344,076$4,015,466$645,921$43,166,593
82$67,444,714$4,055,767$511,102$47,367,186
83$74,162,689$4,093,114$366,838$51,993,371
84$81,560,814$4,127,207$212,657$57,088,592
85$89,708,303$4,157,726$48,068$62,700,730
86$98,681,428$4,184,333$0$68,882,556
87$108,564,232$4,206,663$0$75,730,345
88$119,449,327$4,224,333$0$83,287,883
89$131,438,765$4,236,932$0$91,611,605
90$144,645,003$4,244,026$0$100,779,543
91$159,191,961$4,245,150$0$110,877,685
92$175,216,192$4,239,814$0$122,000,788
93$192,868,176$4,227,497$0$134,253,271
94$212,313,729$4,207,644$0$147,750,201
95$233,735,578$4,179,667$0$162,618,382
96$257,335,080$4,142,944$0$178,997,546
97$283,334,123$4,096,813$0$197,041,679
98$311,977,221$4,040,574$0$216,920,468
99$343,533,820$3,973,485$0$238,820,908
100$378,300,842$3,894,758$0$262,949,063