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%18.9%
1 years$149,468$148,137$146,838$145,570$144,332$139,156
2 years$73,994$72,616$71,280$69,986$68,729$63,570
3 years$48,839$47,455$46,123$44,840$43,605$38,625
4 years$36,265$34,885$33,566$32,305$31,099$26,337
5 years$28,722$27,350$26,048$24,813$23,641$19,109
6 years$23,695$22,333$21,051$19,843$18,706$14,407
7 years$20,105$18,756$17,494$16,314$15,213$11,147
8 years$17,414$16,077$14,836$13,686$12,621$8,783
9 years$15,323$13,998$12,778$11,657$10,629$7,015
10 years$13,650$12,338$11,140$10,049$9,056$5,660
11 years$12,283$10,984$9,808$8,745$7,789$4,603
12 years$11,144$9,859$8,704$7,671$6,749$3,766
13 years$10,182$8,909$7,777$6,772$5,886$3,097
14 years$9,357$8,098$6,987$6,012$5,159$2,557
15 years$8,643$7,398$6,309$5,361$4,543$2,118
16 years$8,019$6,788$5,720$4,800$4,015$1,759
17 years$7,469$6,251$5,205$4,313$3,560$1,463
18 years$6,980$5,776$4,751$3,887$3,165$1,220
19 years$6,544$5,353$4,349$3,512$2,821$1,019
20 years$6,152$4,975$3,992$3,181$2,520$851
21 years$5,797$4,634$3,672$2,887$2,255$712
22 years$5,475$4,325$3,384$2,625$2,021$597
23 years$5,182$4,045$3,124$2,391$1,815$500
24 years$4,913$3,790$2,890$2,180$1,631$419
25 years$4,666$3,557$2,676$1,991$1,468$352
26 years$4,439$3,343$2,482$1,821$1,322$295
27 years$4,229$3,146$2,305$1,666$1,192$248
28 years$4,034$2,965$2,143$1,527$1,075$208
29 years$3,853$2,797$1,994$1,400$971$175
30 years$3,684$2,641$1,857$1,285$877$147
31 years$3,527$2,497$1,732$1,180$793$123
32 years$3,380$2,363$1,616$1,085$718$104
33 years$3,241$2,237$1,508$997$649$87
34 years$3,112$2,121$1,409$918$588$73
35 years$2,990$2,011$1,318$845$533$62
36 years$2,875$1,909$1,233$778$483$52
37 years$2,766$1,813$1,154$717$437$44
38 years$2,664$1,723$1,080$661$396$37
39 years$2,567$1,639$1,012$609$360$31
40 years$2,475$1,559$949$562$326$26
41 years$2,387$1,484$890$518$296$22
42 years$2,304$1,413$835$478$268$18
43 years$2,226$1,347$783$442$244$15
44 years$2,151$1,284$735$408$221$13
45 years$2,079$1,224$690$377$201$11
46 years$2,011$1,168$648$348$182$9
47 years$1,946$1,114$609$321$166$8
48 years$1,884$1,064$572$297$150$6
49 years$1,824$1,016$538$274$137$5
50 years$1,767$970$506$254$124$5

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 $4,305 every year, while hoping to spend $49,236 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: 25/48/27 Blend
41$1,810,000$1,810,000$1,810,000$1,810,000
42$1,999,061$1,903,131$1,875,076$2,031,978
43$2,150,578$1,943,997$1,885,504$2,100,508
44$2,315,900$1,985,216$1,894,631$2,169,452
45$2,496,383$2,026,753$1,902,362$2,242,345
46$2,693,519$2,068,569$1,908,597$2,319,553
47$2,908,952$2,110,623$1,913,229$2,401,478
48$3,144,491$2,152,869$1,916,148$2,488,564
49$3,402,128$2,195,259$1,917,238$2,581,303
50$3,684,057$2,237,738$1,916,377$2,680,238
51$3,992,691$2,280,248$1,913,436$2,785,970
52$4,330,692$2,322,726$1,908,282$2,899,162
53$4,700,987$2,365,104$1,900,774$3,020,549
54$5,106,802$2,407,309$1,890,765$3,150,939
55$5,551,689$2,449,260$1,878,099$3,291,229
56$6,039,560$2,490,873$1,862,614$3,442,409
57$6,574,725$2,532,055$1,844,141$3,605,571
58$7,161,929$2,572,708$1,822,502$3,781,925
59$7,806,400$2,612,725$1,797,510$3,972,805
60$8,513,897$2,651,992$1,768,970$4,179,686
61$9,290,762$2,690,388$1,736,679$4,404,197
62$10,143,984$2,727,781$1,700,422$4,648,138
63$11,081,260$2,764,032$1,659,975$4,913,497
64$12,111,070$2,798,991$1,615,106$5,202,469
65$13,242,755$2,832,497$1,565,568$5,517,480
66$14,486,607$2,864,381$1,511,105$5,861,207
67$15,853,965$2,894,459$1,451,451$6,236,608
68$17,357,319$2,922,537$1,386,324$6,646,949
69$19,010,432$2,948,408$1,315,433$7,095,834
70$20,828,467$2,971,851$1,238,471$7,587,246
71$22,828,129$2,992,630$1,155,118$8,125,577
72$25,027,824$3,010,494$1,065,040$8,715,681
73$27,447,831$3,025,178$967,888$9,362,912
74$30,110,495$3,036,397$863,298$10,073,183
75$33,040,435$3,043,850$750,887$10,853,017
76$36,264,776$3,047,216$630,259$11,709,615
77$39,813,409$3,046,154$500,998$12,650,926
78$43,719,265$3,040,304$362,670$13,685,719
79$48,018,632$3,029,281$214,822$14,823,672
80$52,751,495$3,012,679$56,981$16,075,464
81$57,961,911$2,990,064$0$17,452,878
82$63,698,428$2,960,978$0$19,001,025
83$70,014,537$2,924,936$0$20,721,743
84$76,969,184$2,881,422$0$22,614,577
85$84,627,320$2,829,891$0$24,697,146
86$93,060,515$2,769,764$0$26,988,874
87$102,347,634$2,700,429$0$29,511,180
88$112,575,580$2,621,237$0$32,287,677
89$123,840,114$2,531,502$0$35,344,401
90$136,246,757$2,430,498$0$38,710,055
91$149,911,790$2,317,455$0$42,416,285
92$164,963,343$2,191,561$0$46,497,982
93$181,542,612$2,051,955$0$50,993,610
94$199,805,186$1,897,729$0$55,945,574
95$219,922,518$1,727,920$0$61,400,623
96$242,083,539$1,541,513$0$67,410,295
97$266,496,445$1,337,432$0$74,031,405
98$293,390,660$1,114,544$0$81,326,586
99$323,019,000$871,649$0$89,364,884
100$355,660,058$607,481$0$98,222,411