Can I retire at age 43 with 1,250,000?

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 $1,250,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$103,224$102,304$101,407$100,532$99,677$99,215
2 years$51,101$50,149$49,227$48,333$47,465$46,999
3 years$33,729$32,773$31,853$30,967$30,114$29,658
4 years$25,045$24,092$23,181$22,310$21,477$21,035
5 years$19,835$18,888$17,989$17,136$16,327$15,899
6 years$16,364$15,424$14,538$13,704$12,919$12,507
7 years$13,885$12,953$12,081$11,267$10,506$10,110
8 years$12,027$11,103$10,246$9,451$8,716$8,336
9 years$10,582$9,667$8,825$8,051$7,340$6,975
10 years$9,427$8,521$7,694$6,940$6,254$5,905
11 years$8,483$7,586$6,773$6,040$5,379$5,045
12 years$7,696$6,809$6,011$5,298$4,661$4,342
13 years$7,031$6,153$5,371$4,677$4,065$3,760
14 years$6,462$5,593$4,825$4,152$3,563$3,273
15 years$5,969$5,109$4,357$3,703$3,137$2,861
16 years$5,538$4,688$3,950$3,315$2,773$2,510
17 years$5,158$4,317$3,594$2,979$2,458$2,209
18 years$4,821$3,989$3,281$2,684$2,186$1,949
19 years$4,519$3,697$3,004$2,426$1,948$1,724
20 years$4,248$3,436$2,757$2,197$1,740$1,528
21 years$4,004$3,200$2,536$1,994$1,557$1,356
22 years$3,781$2,987$2,337$1,813$1,396$1,206
23 years$3,579$2,794$2,158$1,651$1,253$1,074
24 years$3,393$2,618$1,996$1,506$1,126$957
25 years$3,223$2,457$1,848$1,375$1,014$854
26 years$3,066$2,309$1,714$1,257$913$763
27 years$2,921$2,173$1,592$1,151$823$682
28 years$2,786$2,047$1,480$1,054$743$610
29 years$2,661$1,931$1,377$967$671$546
30 years$2,544$1,824$1,283$887$606$489
31 years$2,436$1,724$1,196$815$548$438
32 years$2,334$1,632$1,116$749$496$393
33 years$2,239$1,545$1,042$689$448$352
34 years$2,149$1,464$973$634$406$316
35 years$2,065$1,389$910$583$368$284
36 years$1,985$1,318$851$537$333$255
37 years$1,910$1,252$797$495$302$229
38 years$1,840$1,190$746$456$274$205
39 years$1,772$1,132$699$421$248$185
40 years$1,709$1,077$655$388$225$166
41 years$1,649$1,025$614$358$204$149
42 years$1,591$976$576$330$185$134
43 years$1,537$930$541$305$168$120
44 years$1,485$886$508$282$153$108
45 years$1,436$845$477$260$139$97
46 years$1,389$806$448$240$126$88
47 years$1,344$770$421$222$114$79
48 years$1,301$735$395$205$104$71
49 years$1,260$702$372$190$94$64
50 years$1,220$670$349$175$86$57

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,250,000, adding $2,946 every year, while hoping to spend $25,970 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: 55/37/8 Blend
42$1,250,000$1,250,000$1,250,000$1,250,000
43$1,380,539$1,314,289$1,294,914$1,453,689
44$1,493,722$1,351,057$1,310,662$1,540,221
45$1,617,579$1,388,757$1,326,066$1,631,264
46$1,753,172$1,427,406$1,341,090$1,729,759
47$1,901,670$1,467,022$1,355,690$1,836,418
48$2,064,358$1,507,625$1,369,824$1,952,025
49$2,242,656$1,549,232$1,383,446$2,077,442
50$2,438,124$1,591,861$1,396,508$2,213,619
51$2,652,481$1,635,530$1,408,960$2,361,600
52$2,887,621$1,680,258$1,420,747$2,522,536
53$3,145,629$1,726,062$1,431,813$2,697,694
54$3,428,804$1,772,960$1,442,100$2,888,468
55$3,739,676$1,820,969$1,451,544$3,096,393
56$4,081,032$1,870,106$1,460,080$3,323,161
57$4,455,944$1,920,387$1,467,639$3,570,633
58$4,867,795$1,971,830$1,474,149$3,840,860
59$5,320,310$2,024,451$1,479,534$4,136,102
60$5,817,596$2,078,263$1,483,712$4,458,845
61$6,364,176$2,133,283$1,486,602$4,811,831
62$6,965,032$2,189,524$1,488,113$5,198,077
63$7,625,654$2,246,999$1,488,154$5,620,908
64$8,352,091$2,305,722$1,486,627$6,083,988
65$9,151,005$2,365,704$1,483,430$6,591,351
66$10,029,740$2,426,955$1,478,457$7,147,443
67$10,996,383$2,489,486$1,471,595$7,757,160
68$12,059,848$2,553,304$1,462,727$8,425,900
69$13,229,954$2,618,418$1,451,730$9,159,605
70$14,517,520$2,684,832$1,438,474$9,964,826
71$15,934,469$2,752,550$1,422,825$10,848,778
72$17,493,936$2,821,576$1,404,641$11,819,413
73$19,210,395$2,891,910$1,383,773$12,885,492
74$21,099,792$2,963,551$1,360,067$14,056,666
75$23,179,701$3,036,495$1,333,359$15,343,572
76$25,469,485$3,110,737$1,303,480$16,757,930
77$27,990,477$3,186,269$1,270,252$18,312,653
78$30,766,190$3,263,080$1,233,489$20,021,972
79$33,822,526$3,341,155$1,192,996$21,901,565
80$37,188,031$3,420,480$1,148,569$23,968,711
81$40,894,160$3,501,033$1,099,996$26,242,449
82$44,975,571$3,582,790$1,047,053$28,743,758
83$49,470,458$3,665,726$989,508$31,495,759
84$54,420,906$3,749,808$927,117$34,523,926
85$59,873,290$3,835,000$859,628$37,856,333
86$65,878,713$3,921,263$786,773$41,523,916
87$72,493,488$4,008,550$708,275$45,560,766
88$79,779,666$4,096,811$623,845$50,004,449
89$87,805,627$4,185,991$533,179$54,896,363
90$96,646,723$4,276,025$435,962$60,282,128
91$106,385,985$4,366,847$331,863$66,212,017
92$117,114,912$4,458,380$220,537$72,741,430
93$128,934,333$4,550,540$101,625$79,931,417
94$141,955,357$4,643,239$0$87,849,254
95$156,300,421$4,736,375$0$96,571,239
96$172,104,449$4,829,842$0$106,186,314
97$189,516,122$4,923,523$0$116,775,863
98$208,699,281$5,017,291$0$128,439,144
99$229,834,476$5,111,007$0$141,285,533
100$253,120,669$5,204,523$0$155,435,564