Can I retire at age 43 with 1,330,000?

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 $1,330,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$109,830$108,852$107,897$106,966$106,056$102,950
2 years$54,371$53,359$52,377$51,426$50,503$47,399
3 years$35,888$34,871$33,892$32,949$32,041$29,036
4 years$26,647$25,634$24,664$23,738$22,852$19,969
5 years$21,105$20,097$19,141$18,233$17,372$14,619
6 years$17,411$16,411$15,468$14,581$13,746$11,126
7 years$14,773$13,782$12,854$11,988$11,179$8,691
8 years$12,796$11,813$10,902$10,056$9,274$6,918
9 years$11,259$10,286$9,389$8,566$7,810$5,582
10 years$10,030$9,066$8,186$7,384$6,655$4,552
11 years$9,026$8,071$7,207$6,426$5,723$3,743
12 years$8,189$7,244$6,396$5,637$4,960$3,098
13 years$7,481$6,547$5,714$4,976$4,325$2,577
14 years$6,876$5,951$5,134$4,417$3,791$2,153
15 years$6,351$5,436$4,636$3,939$3,338$1,805
16 years$5,892$4,988$4,203$3,527$2,950$1,517
17 years$5,488$4,593$3,824$3,169$2,616$1,278
18 years$5,129$4,244$3,491$2,856$2,326$1,079
19 years$4,809$3,934$3,196$2,581$2,073$913
20 years$4,520$3,655$2,933$2,337$1,852$773
21 years$4,260$3,405$2,698$2,121$1,657$655
22 years$4,023$3,178$2,487$1,929$1,485$556
23 years$3,808$2,973$2,296$1,757$1,333$472
24 years$3,610$2,785$2,123$1,602$1,198$401
25 years$3,429$2,614$1,967$1,463$1,078$341
26 years$3,262$2,457$1,824$1,338$971$290
27 years$3,107$2,312$1,694$1,225$876$247
28 years$2,964$2,178$1,574$1,122$790$211
29 years$2,831$2,055$1,465$1,029$714$179
30 years$2,707$1,941$1,365$944$645$153
31 years$2,592$1,835$1,272$867$583$130
32 years$2,483$1,736$1,187$797$527$111
33 years$2,382$1,644$1,108$733$477$95
34 years$2,287$1,558$1,036$674$432$81
35 years$2,197$1,478$968$621$391$69
36 years$2,112$1,403$906$572$355$59
37 years$2,033$1,332$848$527$321$50
38 years$1,957$1,266$794$486$291$43
39 years$1,886$1,204$744$448$264$36
40 years$1,818$1,146$697$413$240$31
41 years$1,754$1,090$654$381$217$26
42 years$1,693$1,038$613$352$197$23
43 years$1,635$989$575$325$179$19
44 years$1,580$943$540$300$163$16
45 years$1,528$899$507$277$148$14
46 years$1,478$858$476$256$134$12
47 years$1,430$819$448$236$122$10
48 years$1,384$782$421$218$110$9
49 years$1,340$746$395$202$100$7
50 years$1,299$713$372$186$91$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,330,000, adding $2,400 every year, while hoping to spend $42,161 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: 71/16/13 Blend
42$1,330,000$1,330,000$1,330,000$1,330,000
43$1,468,136$1,397,646$1,377,031$1,568,081
44$1,573,026$1,421,271$1,378,302$1,658,291
45$1,687,203$1,444,642$1,378,203$1,751,654
46$1,811,568$1,467,699$1,376,643$1,852,743
47$1,947,115$1,490,384$1,373,528$1,962,314
48$2,094,937$1,512,628$1,368,757$2,081,197
49$2,256,237$1,534,364$1,362,227$2,210,307
50$2,432,339$1,555,514$1,353,828$2,350,654
51$2,624,702$1,575,998$1,343,445$2,503,350
52$2,834,930$1,595,731$1,330,959$2,669,619
53$3,064,791$1,614,619$1,316,244$2,850,813
54$3,316,229$1,632,565$1,299,168$3,048,419
55$3,591,387$1,649,463$1,279,592$3,264,078
56$3,892,624$1,665,202$1,257,374$3,499,596
57$4,222,536$1,679,662$1,232,361$3,756,966
58$4,583,985$1,692,715$1,204,395$4,038,383
59$4,980,120$1,704,227$1,173,311$4,346,268
60$5,414,411$1,714,053$1,138,936$4,683,287
61$5,890,679$1,722,039$1,101,088$5,052,380
62$6,413,132$1,728,023$1,059,578$5,456,787
63$6,986,406$1,731,830$1,014,208$5,900,080
64$7,615,606$1,733,277$964,771$6,386,196
65$8,306,357$1,732,167$911,050$6,919,472
66$9,064,855$1,728,292$852,820$7,504,691
67$9,897,924$1,721,432$789,843$8,147,124
68$10,813,082$1,711,352$721,872$8,852,582
69$11,818,611$1,697,804$648,650$9,627,468
70$12,923,637$1,680,523$569,907$10,478,842
71$14,138,210$1,659,231$485,361$11,414,483
72$15,473,404$1,633,631$394,718$12,442,968
73$16,941,422$1,603,409$297,671$13,573,747
74$18,555,703$1,568,232$193,900$14,817,241
75$20,331,059$1,527,749$83,069$16,184,933
76$22,283,805$1,481,587$0$17,689,479
77$24,431,918$1,429,350$0$19,349,714
78$26,795,207$1,370,622$0$21,188,747
79$29,395,496$1,304,960$0$23,212,042
80$32,256,830$1,231,896$0$25,438,335
81$35,405,704$1,150,936$0$27,888,275
82$38,871,312$1,061,558$0$30,584,613
83$42,685,820$963,209$0$33,552,425
84$46,884,671$855,303$0$36,819,343
85$51,506,919$737,225$0$40,415,822
86$56,595,597$608,321$0$44,375,419
87$62,198,122$467,903$0$48,735,120
88$68,366,742$315,242$0$53,535,683
89$75,159,030$149,569$0$58,822,023
90$82,638,427$0$0$64,643,642
91$90,874,836$0$0$71,060,360
92$99,945,290$0$0$78,155,943
93$109,934,668$0$0$85,970,470
94$120,936,504$0$0$94,577,121
95$133,053,865$0$0$104,056,537
96$146,400,324$0$0$114,497,579
97$161,101,034$0$0$125,998,166
98$177,293,904$0$0$138,666,200
99$195,130,905$0$0$152,620,585
100$214,779,500$0$0$167,992,347