Can I retire at age 43 with 1,310,000?

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 $1,310,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$108,179$107,215$106,275$105,357$104,461$100,277
2 years$53,554$52,556$51,590$50,653$49,743$45,580
3 years$35,348$34,346$33,382$32,454$31,559$27,549
4 years$26,247$25,248$24,294$23,381$22,508$18,681
5 years$20,787$19,795$18,853$17,959$17,110$13,475
6 years$17,149$16,164$15,236$14,362$13,539$10,098
7 years$14,551$13,574$12,661$11,808$11,011$7,764
8 years$12,604$11,636$10,738$9,905$9,135$6,078
9 years$11,090$10,131$9,248$8,437$7,693$4,821
10 years$9,880$8,930$8,063$7,273$6,554$3,863
11 years$8,890$7,950$7,098$6,329$5,637$3,119
12 years$8,066$7,135$6,300$5,552$4,885$2,533
13 years$7,369$6,448$5,628$4,901$4,260$2,068
14 years$6,772$5,861$5,057$4,351$3,734$1,694
15 years$6,255$5,354$4,566$3,880$3,288$1,392
16 years$5,804$4,913$4,140$3,474$2,906$1,147
17 years$5,406$4,524$3,767$3,122$2,576$947
18 years$5,052$4,181$3,439$2,813$2,291$783
19 years$4,736$3,875$3,148$2,542$2,042$648
20 years$4,452$3,600$2,889$2,302$1,824$537
21 years$4,196$3,354$2,657$2,089$1,632$446
22 years$3,963$3,131$2,449$1,900$1,463$370
23 years$3,750$2,928$2,261$1,730$1,313$307
24 years$3,556$2,743$2,091$1,578$1,180$255
25 years$3,377$2,574$1,937$1,441$1,062$212
26 years$3,213$2,420$1,797$1,318$957$177
27 years$3,061$2,277$1,668$1,206$863$147
28 years$2,920$2,146$1,551$1,105$778$122
29 years$2,789$2,024$1,443$1,013$703$102
30 years$2,667$1,912$1,344$930$635$85
31 years$2,553$1,807$1,253$854$574$71
32 years$2,446$1,710$1,169$785$519$59
33 years$2,346$1,619$1,092$722$470$49
34 years$2,252$1,535$1,020$664$426$41
35 years$2,164$1,456$954$611$385$34
36 years$2,081$1,382$892$563$349$28
37 years$2,002$1,312$835$519$317$24
38 years$1,928$1,247$782$478$287$20
39 years$1,858$1,186$733$441$260$16
40 years$1,791$1,128$687$407$236$14
41 years$1,728$1,074$644$375$214$11
42 years$1,668$1,023$604$346$194$9
43 years$1,611$975$567$320$176$8
44 years$1,556$929$532$295$160$7
45 years$1,505$886$500$273$145$5
46 years$1,455$845$469$252$132$5
47 years$1,408$806$441$233$120$4
48 years$1,363$770$414$215$109$3
49 years$1,320$735$389$199$99$3
50 years$1,279$702$366$184$90$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,310,000, adding $4,015 every year, while hoping to spend $31,526 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: 56/15/29 Blend
42$1,310,000$1,310,000$1,310,000$1,310,000
43$1,447,761$1,378,331$1,358,026$1,517,037
44$1,561,890$1,412,326$1,369,977$1,599,194
45$1,686,602$1,446,930$1,381,271$1,685,065
46$1,822,946$1,482,140$1,391,854$1,777,998
47$1,972,072$1,517,951$1,401,667$1,878,686
48$2,135,250$1,554,356$1,410,649$1,987,893
49$2,313,875$1,591,350$1,418,735$2,106,460
50$2,509,487$1,628,922$1,425,859$2,235,314
51$2,723,778$1,667,063$1,431,949$2,375,478
52$2,958,614$1,705,759$1,436,930$2,528,080
53$3,216,049$1,744,998$1,440,723$2,694,360
54$3,498,345$1,784,763$1,443,247$2,875,687
55$3,807,995$1,825,035$1,444,415$3,073,572
56$4,147,744$1,865,794$1,444,135$3,289,678
57$4,520,613$1,907,018$1,442,314$3,525,837
58$4,929,934$1,948,680$1,438,849$3,784,072
59$5,379,374$1,990,752$1,433,638$4,066,610
60$5,872,975$2,033,204$1,426,569$4,375,906
61$6,415,188$2,076,000$1,417,529$4,714,670
62$7,010,916$2,119,103$1,406,395$5,085,884
63$7,665,562$2,162,471$1,393,041$5,492,837
64$8,385,076$2,206,060$1,377,336$5,939,157
65$9,176,017$2,249,820$1,359,140$6,428,840
66$10,045,607$2,293,697$1,338,307$6,966,292
67$11,001,805$2,337,634$1,314,686$7,556,370
68$12,053,379$2,381,568$1,288,118$8,204,427
69$13,209,989$2,425,430$1,258,435$8,916,365
70$14,482,279$2,469,147$1,225,464$9,698,687
71$15,881,976$2,512,640$1,189,021$10,558,565
72$17,422,000$2,555,823$1,148,917$11,503,901
73$19,116,590$2,598,603$1,104,951$12,543,407
74$20,981,430$2,640,883$1,056,915$13,686,686
75$23,033,805$2,682,555$1,004,590$14,944,321
76$25,292,758$2,723,506$947,750$16,327,979
77$27,779,274$2,763,612$886,154$17,850,519
78$30,516,475$2,802,744$819,555$19,526,114
79$33,529,837$2,840,759$747,691$21,370,389
80$36,847,433$2,877,510$670,292$23,400,560
81$40,500,197$2,912,833$587,072$25,635,610
82$44,522,214$2,946,559$497,736$28,096,455
83$48,951,043$2,978,504$401,974$30,806,154
84$53,828,072$3,008,473$299,462$33,790,120
85$59,198,903$3,036,256$189,862$37,076,362
86$65,113,792$3,061,633$72,822$40,695,751
87$71,628,111$3,084,366$0$44,682,315
88$78,802,882$3,104,203$0$49,089,669
89$86,705,343$3,120,876$0$53,968,127
90$95,409,590$3,134,101$0$59,340,811
91$104,997,269$3,143,573$0$65,258,057
92$115,558,352$3,148,969$0$71,775,338
93$127,191,984$3,149,949$0$78,953,783
94$140,007,416$3,146,146$0$86,860,755
95$154,125,041$3,137,176$0$95,570,489
96$169,677,525$3,122,627$0$105,164,789
97$186,811,062$3,102,065$0$115,733,807
98$205,686,752$3,075,028$0$127,376,885
99$226,482,122$3,041,026$0$140,203,502
100$249,392,803$2,999,541$0$154,334,302