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%13.9%
1 years$104,875$103,941$103,030$102,140$101,272$99,635
2 years$51,919$50,952$50,014$49,106$48,225$46,580
3 years$34,269$33,297$32,363$31,463$30,596$28,995
4 years$25,445$24,477$23,552$22,667$21,821$20,276
5 years$20,153$19,190$18,277$17,410$16,588$15,103
6 years$16,625$15,670$14,771$13,923$13,126$11,702
7 years$14,107$13,160$12,274$11,447$10,675$9,314
8 years$12,219$11,281$10,410$9,603$8,856$7,557
9 years$10,751$9,822$8,966$8,179$7,458$6,221
10 years$9,578$8,657$7,817$7,051$6,354$5,178
11 years$8,618$7,707$6,882$6,136$5,465$4,347
12 years$7,819$6,918$6,107$5,382$4,736$3,676
13 years$7,144$6,251$5,456$4,752$4,130$3,126
14 years$6,565$5,682$4,903$4,218$3,620$2,671
15 years$6,064$5,191$4,426$3,762$3,187$2,291
16 years$5,627$4,763$4,013$3,368$2,817$1,972
17 years$5,241$4,386$3,652$3,026$2,498$1,702
18 years$4,898$4,053$3,334$2,727$2,221$1,472
19 years$4,592$3,756$3,052$2,464$1,980$1,276
20 years$4,316$3,491$2,801$2,232$1,768$1,108
21 years$4,068$3,251$2,576$2,026$1,582$963
22 years$3,842$3,035$2,374$1,842$1,418$838
23 years$3,636$2,839$2,192$1,677$1,273$731
24 years$3,447$2,660$2,028$1,530$1,144$637
25 years$3,274$2,496$1,878$1,397$1,030$556
26 years$3,115$2,346$1,742$1,277$928$486
27 years$2,967$2,208$1,617$1,169$836$425
28 years$2,831$2,080$1,503$1,071$755$372
29 years$2,704$1,962$1,399$982$681$325
30 years$2,585$1,853$1,303$902$616$285
31 years$2,475$1,752$1,215$828$557$249
32 years$2,371$1,658$1,134$761$503$219
33 years$2,274$1,570$1,058$700$456$191
34 years$2,183$1,488$989$644$413$168
35 years$2,098$1,411$925$593$374$147
36 years$2,017$1,339$865$546$339$129
37 years$1,941$1,272$810$503$307$113
38 years$1,869$1,209$758$464$278$99
39 years$1,801$1,150$710$427$252$87
40 years$1,736$1,094$666$394$229$76
41 years$1,675$1,041$624$364$208$67
42 years$1,617$992$586$336$188$59
43 years$1,562$945$549$310$171$52
44 years$1,509$901$516$286$155$45
45 years$1,459$859$484$264$141$40
46 years$1,411$819$455$244$128$35
47 years$1,365$782$427$226$116$31
48 years$1,322$746$402$208$105$27
49 years$1,280$713$377$193$96$24
50 years$1,240$681$355$178$87$21

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 $4,309 every year, while hoping to spend $46,077 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: 62/10/28 Blend
42$1,270,000$1,270,000$1,270,000$1,270,000
43$1,403,985$1,336,675$1,316,990$1,480,242
44$1,498,166$1,353,146$1,312,083$1,549,043
45$1,600,409$1,368,881$1,305,468$1,618,755
46$1,711,487$1,383,793$1,297,039$1,693,897
47$1,832,253$1,397,793$1,286,683$1,775,009
48$1,963,642$1,410,784$1,274,286$1,862,686
49$2,106,685$1,422,663$1,259,726$1,957,586
50$2,262,514$1,433,321$1,242,874$2,060,436
51$2,432,378$1,442,641$1,223,598$2,172,038
52$2,617,649$1,450,499$1,201,757$2,293,275
53$2,819,839$1,456,763$1,177,205$2,425,125
54$3,040,610$1,461,292$1,149,790$2,568,664
55$3,281,794$1,463,938$1,119,350$2,725,083
56$3,545,407$1,464,541$1,085,718$2,895,693
57$3,833,668$1,462,932$1,048,719$3,081,943
58$4,149,020$1,458,934$1,008,169$3,285,430
59$4,494,155$1,452,356$963,877$3,507,917
60$4,872,033$1,442,997$915,642$3,751,349
61$5,285,919$1,430,642$863,254$4,017,873
62$5,739,405$1,415,066$806,495$4,309,857
63$6,236,448$1,396,027$745,136$4,629,912
64$6,781,405$1,373,272$678,938$4,980,921
65$7,379,076$1,346,530$607,650$5,366,062
66$8,034,747$1,315,516$531,012$5,788,842
67$8,754,242$1,279,926$448,751$6,253,128
68$9,543,974$1,239,442$360,583$6,763,188
69$10,411,007$1,193,722$266,211$7,323,726
70$11,363,125$1,142,410$165,324$7,939,934
71$12,408,899$1,085,124$57,598$8,617,534
72$13,557,775$1,021,463$0$9,362,840
73$14,820,156$951,003$0$10,199,952
74$16,207,504$873,294$0$11,138,888
75$17,732,446$787,861$0$12,170,997
76$19,408,892$694,203$0$13,305,732
77$21,252,170$591,790$0$14,553,508
78$23,279,165$480,061$0$15,925,801
79$25,508,480$358,425$0$17,435,259
80$27,960,613$226,255$0$19,095,821
81$30,658,147$82,893$0$20,922,846
82$33,625,964$0$0$22,933,261
83$36,891,480$0$0$25,153,681
84$40,484,902$0$0$27,607,211
85$44,439,514$0$0$30,307,469
86$48,791,988$0$0$33,279,509
87$53,582,734$0$0$36,550,938
88$58,856,276$0$0$40,152,176
89$64,661,674$0$0$44,116,742
90$71,052,987$0$0$48,481,568
91$78,089,783$0$0$53,287,351
92$85,837,698$0$0$58,578,935
93$94,369,057$0$0$64,405,733
94$103,763,556$0$0$70,822,195
95$114,109,013$0$0$77,888,318
96$125,502,196$0$0$85,670,217
97$138,049,736$0$0$94,240,745
98$151,869,135$0$0$103,680,180
99$167,089,870$0$0$114,076,984
100$183,854,617$0$0$125,528,636