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%19.3%
1 years$104,875$103,941$103,030$102,140$101,272$97,485
2 years$51,919$50,952$50,014$49,106$48,225$44,453
3 years$34,269$33,297$32,363$31,463$30,596$26,957
4 years$25,445$24,477$23,552$22,667$21,821$18,344
5 years$20,153$19,190$18,277$17,410$16,588$13,282
6 years$16,625$15,670$14,771$13,923$13,126$9,992
7 years$14,107$13,160$12,274$11,447$10,675$7,713
8 years$12,219$11,281$10,410$9,603$8,856$6,063
9 years$10,751$9,822$8,966$8,179$7,458$4,830
10 years$9,578$8,657$7,817$7,051$6,354$3,887
11 years$8,618$7,707$6,882$6,136$5,465$3,153
12 years$7,819$6,918$6,107$5,382$4,736$2,573
13 years$7,144$6,251$5,456$4,752$4,130$2,110
14 years$6,565$5,682$4,903$4,218$3,620$1,737
15 years$6,064$5,191$4,426$3,762$3,187$1,435
16 years$5,627$4,763$4,013$3,368$2,817$1,188
17 years$5,241$4,386$3,652$3,026$2,498$986
18 years$4,898$4,053$3,334$2,727$2,221$819
19 years$4,592$3,756$3,052$2,464$1,980$682
20 years$4,316$3,491$2,801$2,232$1,768$568
21 years$4,068$3,251$2,576$2,026$1,582$474
22 years$3,842$3,035$2,374$1,842$1,418$396
23 years$3,636$2,839$2,192$1,677$1,273$331
24 years$3,447$2,660$2,028$1,530$1,144$276
25 years$3,274$2,496$1,878$1,397$1,030$231
26 years$3,115$2,346$1,742$1,277$928$193
27 years$2,967$2,208$1,617$1,169$836$162
28 years$2,831$2,080$1,503$1,071$755$135
29 years$2,704$1,962$1,399$982$681$113
30 years$2,585$1,853$1,303$902$616$95
31 years$2,475$1,752$1,215$828$557$80
32 years$2,371$1,658$1,134$761$503$67
33 years$2,274$1,570$1,058$700$456$56
34 years$2,183$1,488$989$644$413$47
35 years$2,098$1,411$925$593$374$39
36 years$2,017$1,339$865$546$339$33
37 years$1,941$1,272$810$503$307$28
38 years$1,869$1,209$758$464$278$23
39 years$1,801$1,150$710$427$252$19
40 years$1,736$1,094$666$394$229$16
41 years$1,675$1,041$624$364$208$14
42 years$1,617$992$586$336$188$11
43 years$1,562$945$549$310$171$10
44 years$1,509$901$516$286$155$8
45 years$1,459$859$484$264$141$7
46 years$1,411$819$455$244$128$6
47 years$1,365$782$427$226$116$5
48 years$1,322$746$402$208$105$4
49 years$1,280$713$377$193$96$3
50 years$1,240$681$355$178$87$3

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 $3,229 every year, while hoping to spend $58,472 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: 46/35/19 Blend
42$1,270,000$1,270,000$1,270,000$1,270,000
43$1,402,871$1,335,561$1,315,876$1,459,652
44$1,483,750$1,338,789$1,297,744$1,502,892
45$1,570,919$1,340,217$1,277,045$1,543,678
46$1,664,958$1,339,692$1,253,631$1,586,700
47$1,766,503$1,337,057$1,227,347$1,632,194
48$1,876,255$1,332,142$1,198,033$1,680,420
49$1,994,984$1,324,767$1,165,517$1,731,670
50$2,123,534$1,314,743$1,129,624$1,786,267
51$2,262,837$1,301,867$1,090,168$1,844,573
52$2,413,912$1,285,925$1,046,955$1,906,989
53$2,577,887$1,266,690$999,783$1,973,963
54$2,755,995$1,243,923$948,440$2,045,991
55$2,949,599$1,217,367$892,705$2,123,626
56$3,160,193$1,186,753$832,346$2,207,483
57$3,389,425$1,151,796$767,122$2,298,243
58$3,639,106$1,112,193$696,779$2,396,665
59$3,911,228$1,067,625$621,055$2,503,590
60$4,207,987$1,017,752$539,674$2,619,951
61$4,531,796$962,216$452,348$2,746,785
62$4,885,314$900,639$358,776$2,885,242
63$5,271,465$832,620$258,644$3,036,595
64$5,693,471$757,735$151,625$3,202,258
65$6,154,877$675,536$37,377$3,383,798
66$6,659,589$585,551$0$3,582,949
67$7,211,903$487,280$0$3,818,774
68$7,816,555$380,194$0$4,085,464
69$8,478,755$263,735$0$4,377,869
70$9,204,245$137,314$0$4,698,683
71$9,999,345$310$0$5,050,881
72$10,871,018$0$0$5,437,752
73$11,826,931$0$0$5,919,901
74$12,875,530$0$0$6,449,081
75$14,026,117$0$0$7,029,887
76$15,288,939$0$0$7,667,509
77$16,675,281$0$0$8,367,667
78$18,197,577$0$0$9,136,660
79$19,869,521$0$0$9,981,428
80$21,706,201$0$0$10,909,617
81$23,724,237$0$0$11,929,648
82$25,941,939$0$0$13,050,802
83$28,379,478$0$0$14,283,299
84$31,059,078$0$0$15,638,402
85$34,005,220$0$0$17,128,520
86$37,244,880$0$0$18,767,322
87$40,807,775$0$0$20,569,870
88$44,726,649$0$0$22,552,759
89$49,037,578$0$0$24,734,272
90$53,780,309$0$0$27,134,556
91$58,998,636$0$0$29,775,806
92$64,740,814$0$0$32,682,480
93$71,060,011$0$0$35,881,525
94$78,014,808$0$0$39,402,634
95$85,669,754$0$0$43,278,523
96$94,095,974$0$0$47,545,243
97$103,371,838$0$0$52,242,517
98$113,583,699$0$0$57,414,113
99$124,826,709$0$0$63,108,263
100$137,205,718$0$0$69,378,109