Can I retire at age 42 with 1,850,000?

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 $1,850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$152,771$151,410$150,083$148,787$147,522$144,366
2 years$75,629$74,221$72,856$71,532$70,248$67,085
3 years$49,919$48,504$47,142$45,831$44,568$41,495
4 years$37,066$35,656$34,308$33,019$31,787$28,827
5 years$29,356$27,954$26,624$25,362$24,164$21,327
6 years$24,218$22,827$21,516$20,282$19,120$16,409
7 years$20,550$19,170$17,880$16,675$15,550$12,965
8 years$17,799$16,432$15,164$13,988$12,900$10,440
9 years$15,661$14,307$13,061$11,915$10,864$8,527
10 years$13,952$12,611$11,386$10,271$9,256$7,041
11 years$12,554$11,227$10,024$8,939$7,961$5,864
12 years$11,391$10,077$8,896$7,840$6,899$4,917
13 years$10,407$9,106$7,948$6,922$6,016$4,146
14 years$9,564$8,277$7,142$6,144$5,273$3,511
15 years$8,834$7,562$6,448$5,480$4,643$2,985
16 years$8,196$6,938$5,846$4,907$4,104$2,545
17 years$7,634$6,389$5,320$4,408$3,638$2,176
18 years$7,135$5,904$4,856$3,973$3,235$1,865
19 years$6,689$5,472$4,446$3,590$2,884$1,601
20 years$6,288$5,085$4,080$3,251$2,576$1,376
21 years$5,925$4,736$3,753$2,951$2,305$1,185
22 years$5,596$4,421$3,459$2,683$2,066$1,021
23 years$5,296$4,135$3,194$2,443$1,855$881
24 years$5,022$3,874$2,953$2,229$1,667$761
25 years$4,770$3,636$2,736$2,035$1,500$657
26 years$4,537$3,417$2,537$1,861$1,351$568
27 years$4,322$3,216$2,356$1,703$1,218$492
28 years$4,123$3,030$2,190$1,561$1,099$426
29 years$3,938$2,859$2,038$1,431$993$368
30 years$3,766$2,700$1,898$1,313$897$319
31 years$3,605$2,552$1,770$1,206$811$277
32 years$3,454$2,415$1,651$1,109$733$240
33 years$3,313$2,287$1,542$1,019$664$208
34 years$3,180$2,167$1,441$938$601$180
35 years$3,056$2,056$1,347$863$544$156
36 years$2,938$1,951$1,260$795$493$135
37 years$2,827$1,853$1,179$733$447$117
38 years$2,722$1,761$1,104$675$405$102
39 years$2,623$1,675$1,035$623$367$88
40 years$2,529$1,593$970$574$333$77
41 years$2,440$1,517$909$530$302$67
42 years$2,355$1,444$853$489$274$58
43 years$2,275$1,376$800$451$249$50
44 years$2,198$1,312$751$417$226$43
45 years$2,125$1,251$705$385$205$38
46 years$2,055$1,193$663$356$186$33
47 years$1,989$1,139$622$329$169$28
48 years$1,925$1,087$585$304$154$25
49 years$1,864$1,038$550$281$140$21
50 years$1,806$992$517$259$127$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 42 starting with $1,850,000, adding $3,672 every year, while hoping to spend $48,330 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: 37/43/20 Blend
41$1,850,000$1,850,000$1,850,000$1,850,000
42$2,042,488$1,944,438$1,915,763$2,105,621
43$2,199,399$1,988,292$1,928,518$2,195,635
44$2,370,695$2,032,676$1,940,081$2,287,996
45$2,557,792$2,077,564$1,950,360$2,386,765
46$2,762,250$2,122,928$1,959,260$2,492,545
47$2,985,785$2,168,736$1,966,681$2,606,003
48$3,230,287$2,214,956$1,972,516$2,727,870
49$3,497,836$2,261,549$1,976,656$2,858,957
50$3,790,724$2,308,474$1,978,983$3,000,154
51$4,111,475$2,355,686$1,979,375$3,152,446
52$4,462,865$2,403,135$1,977,704$3,316,915
53$4,847,957$2,450,767$1,973,837$3,494,759
54$5,270,119$2,498,525$1,967,630$3,687,295
55$5,733,063$2,546,345$1,958,938$3,895,979
56$6,240,877$2,594,157$1,947,604$4,122,413
57$6,798,064$2,641,889$1,933,466$4,368,367
58$7,409,583$2,689,458$1,916,354$4,635,792
59$8,080,898$2,736,779$1,896,090$4,926,839
60$8,818,027$2,783,759$1,872,486$5,243,883
61$9,627,599$2,830,296$1,845,347$5,589,539
62$10,516,916$2,876,282$1,814,468$5,966,695
63$11,494,023$2,921,602$1,779,635$6,378,534
64$12,567,783$2,966,130$1,740,623$6,828,568
65$13,747,960$3,009,734$1,697,197$7,320,669
66$15,045,311$3,052,269$1,649,111$7,859,108
67$16,471,685$3,093,583$1,596,109$8,448,594
68$18,040,140$3,133,512$1,537,922$9,094,323
69$19,765,060$3,171,879$1,474,268$9,802,021
70$21,662,294$3,208,499$1,404,854$10,578,008
71$23,749,304$3,243,171$1,329,372$11,429,247
72$26,045,328$3,275,682$1,247,501$12,363,423
73$28,571,565$3,305,804$1,158,906$13,389,006
74$31,351,371$3,333,295$1,063,236$14,515,339
75$34,410,481$3,357,896$960,124$15,752,722
76$37,777,250$3,379,333$849,188$17,112,513
77$41,482,921$3,397,313$730,028$18,607,239
78$45,561,922$3,411,524$602,227$20,250,709
79$50,052,185$3,421,635$465,348$22,058,150
80$54,995,507$3,427,294$318,936$24,046,354
81$60,437,945$3,428,128$162,517$26,233,832
82$66,430,248$3,423,739$0$28,640,996
83$73,028,336$3,413,705$0$31,291,290
84$80,293,828$3,397,579$0$34,245,657
85$88,294,624$3,374,885$0$37,496,850
86$97,105,542$3,345,121$0$41,075,147
87$106,809,027$3,307,752$0$45,013,921
88$117,495,927$3,262,211$0$49,349,961
89$129,266,351$3,207,898$0$54,123,811
90$142,230,612$3,144,178$0$59,380,164
91$156,510,269$3,070,378$0$65,168,280
92$172,239,273$2,985,783$0$71,542,453
93$189,565,232$2,889,639$0$78,562,526
94$208,650,802$2,781,147$0$86,294,461
95$229,675,222$2,659,462$0$94,810,957
96$252,836,007$2,523,688$0$104,192,144
97$278,350,810$2,372,879$0$114,526,342
98$306,459,478$2,206,035$0$125,910,891
99$337,426,311$2,022,098$0$138,453,080
100$371,542,562$1,819,948$0$152,271,158