Can I retire at age 43 with 1,270,000?

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 $1,270,000?

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$104,875$103,941$103,030$102,140$101,272$98,069
2 years$51,919$50,952$50,014$49,106$48,225$45,027
3 years$34,269$33,297$32,363$31,463$30,596$27,504
4 years$25,445$24,477$23,552$22,667$21,821$18,858
5 years$20,153$19,190$18,277$17,410$16,588$13,762
6 years$16,625$15,670$14,771$13,923$13,126$10,439
7 years$14,107$13,160$12,274$11,447$10,675$8,127
8 years$12,219$11,281$10,410$9,603$8,856$6,446
9 years$10,751$9,822$8,966$8,179$7,458$5,183
10 years$9,578$8,657$7,817$7,051$6,354$4,211
11 years$8,618$7,707$6,882$6,136$5,465$3,449
12 years$7,819$6,918$6,107$5,382$4,736$2,843
13 years$7,144$6,251$5,456$4,752$4,130$2,355
14 years$6,565$5,682$4,903$4,218$3,620$1,959
15 years$6,064$5,191$4,426$3,762$3,187$1,636
16 years$5,627$4,763$4,013$3,368$2,817$1,369
17 years$5,241$4,386$3,652$3,026$2,498$1,149
18 years$4,898$4,053$3,334$2,727$2,221$965
19 years$4,592$3,756$3,052$2,464$1,980$813
20 years$4,316$3,491$2,801$2,232$1,768$685
21 years$4,068$3,251$2,576$2,026$1,582$578
22 years$3,842$3,035$2,374$1,842$1,418$488
23 years$3,636$2,839$2,192$1,677$1,273$413
24 years$3,447$2,660$2,028$1,530$1,144$349
25 years$3,274$2,496$1,878$1,397$1,030$296
26 years$3,115$2,346$1,742$1,277$928$250
27 years$2,967$2,208$1,617$1,169$836$212
28 years$2,831$2,080$1,503$1,071$755$180
29 years$2,704$1,962$1,399$982$681$152
30 years$2,585$1,853$1,303$902$616$129
31 years$2,475$1,752$1,215$828$557$109
32 years$2,371$1,658$1,134$761$503$93
33 years$2,274$1,570$1,058$700$456$79
34 years$2,183$1,488$989$644$413$67
35 years$2,098$1,411$925$593$374$57
36 years$2,017$1,339$865$546$339$48
37 years$1,941$1,272$810$503$307$41
38 years$1,869$1,209$758$464$278$35
39 years$1,801$1,150$710$427$252$29
40 years$1,736$1,094$666$394$229$25
41 years$1,675$1,041$624$364$208$21
42 years$1,617$992$586$336$188$18
43 years$1,562$945$549$310$171$15
44 years$1,509$901$516$286$155$13
45 years$1,459$859$484$264$141$11
46 years$1,411$819$455$244$128$9
47 years$1,365$782$427$226$116$8
48 years$1,322$746$402$208$105$7
49 years$1,280$713$377$193$96$6
50 years$1,240$681$355$178$87$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,270,000, adding $2,605 every year, while hoping to spend $26,248 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: 24/49/27 Blend
42$1,270,000$1,270,000$1,270,000$1,270,000
43$1,402,227$1,334,917$1,315,232$1,423,876
44$1,517,327$1,372,400$1,331,365$1,479,847
45$1,643,286$1,410,841$1,347,158$1,537,378
46$1,781,187$1,450,257$1,362,573$1,598,464
47$1,932,217$1,490,669$1,377,568$1,663,418
48$2,097,687$1,532,095$1,392,101$1,732,586
49$2,279,039$1,574,555$1,406,124$1,806,346
50$2,477,861$1,618,069$1,419,589$1,885,113
51$2,695,904$1,662,655$1,432,446$1,969,347
52$2,935,094$1,708,333$1,444,641$2,059,553
53$3,197,554$1,755,122$1,456,117$2,156,285
54$3,485,621$1,803,040$1,466,814$2,260,156
55$3,801,873$1,852,107$1,476,670$2,371,838
56$4,149,144$1,902,341$1,485,619$2,492,074
57$4,530,561$1,953,759$1,493,591$2,621,678
58$4,949,565$2,006,381$1,500,514$2,761,552
59$5,409,950$2,060,223$1,506,311$2,912,686
60$5,915,894$2,115,302$1,510,900$3,076,171
61$6,471,999$2,171,636$1,514,199$3,253,209
62$7,083,336$2,229,239$1,516,118$3,445,125
63$7,755,491$2,288,128$1,516,564$3,653,379
64$8,494,621$2,348,316$1,515,439$3,879,579
65$9,307,507$2,409,817$1,512,640$4,125,496
66$10,201,619$2,472,645$1,508,060$4,393,084
67$11,185,191$2,536,811$1,501,586$4,684,495
68$12,267,291$2,602,326$1,493,100$5,002,099
69$13,457,914$2,669,199$1,482,478$5,348,511
70$14,768,070$2,737,439$1,469,590$5,726,611
71$16,209,892$2,807,052$1,454,300$6,139,572
72$17,796,747$2,878,043$1,436,465$6,590,894
73$19,543,365$2,950,417$1,415,937$7,084,433
74$21,465,976$3,024,175$1,392,558$7,624,438
75$23,582,462$3,099,316$1,366,165$8,215,593
76$25,912,529$3,175,838$1,336,587$8,863,061
77$28,477,889$3,253,737$1,303,645$9,572,532
78$31,302,468$3,333,004$1,267,152$10,350,279
79$34,412,629$3,413,630$1,226,910$11,203,213
80$37,837,421$3,495,602$1,182,716$12,138,954
81$41,608,856$3,578,905$1,134,355$13,165,901
82$45,762,205$3,663,517$1,081,602$14,293,309
83$50,336,337$3,749,417$1,024,223$15,531,382
84$55,374,082$3,836,576$961,973$16,891,365
85$60,922,635$3,924,965$894,596$18,385,653
86$67,034,003$4,014,548$821,824$20,027,908
87$73,765,495$4,105,284$743,378$21,833,188
88$81,180,260$4,197,128$658,966$23,818,091
89$89,347,888$4,290,028$568,282$26,000,911
90$98,345,062$4,383,929$471,009$28,401,810
91$108,256,284$4,478,767$366,814$31,043,013
92$119,174,671$4,574,473$255,348$33,949,016
93$131,202,835$4,670,970$136,251$37,146,816
94$144,453,852$4,768,175$9,142$40,666,171
95$159,052,324$4,865,995$0$44,539,880
96$175,135,562$4,964,330$0$48,840,535
97$192,854,878$5,063,070$0$53,576,716
98$212,377,011$5,162,096$0$58,789,822
99$233,885,706$5,261,279$0$64,528,382
100$257,583,445$5,360,479$0$70,845,877