Can I retire at age 43 with 1,370,000?

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 $1,370,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$113,133$112,126$111,142$110,183$109,246$106,648
2 years$56,007$54,964$53,953$52,972$52,022$49,420
3 years$36,967$35,919$34,911$33,940$33,005$30,480
4 years$27,449$26,404$25,406$24,452$23,539$21,111
5 years$21,740$20,701$19,716$18,781$17,894$15,569
6 years$17,935$16,904$15,934$15,020$14,159$11,940
7 years$15,218$14,196$13,241$12,348$11,515$9,402
8 years$13,181$12,169$11,229$10,359$9,553$7,544
9 years$11,598$10,595$9,672$8,823$8,045$6,140
10 years$10,332$9,339$8,432$7,606$6,855$5,051
11 years$9,297$8,314$7,424$6,619$5,895$4,191
12 years$8,435$7,462$6,588$5,806$5,109$3,500
13 years$7,706$6,744$5,886$5,126$4,455$2,939
14 years$7,082$6,130$5,289$4,550$3,905$2,479
15 years$6,542$5,600$4,775$4,058$3,438$2,099
16 years$6,070$5,138$4,329$3,633$3,039$1,782
17 years$5,653$4,732$3,939$3,265$2,694$1,517
18 years$5,284$4,372$3,596$2,942$2,396$1,294
19 years$4,953$4,052$3,292$2,658$2,135$1,106
20 years$4,656$3,765$3,021$2,408$1,907$947
21 years$4,388$3,507$2,779$2,185$1,707$811
22 years$4,144$3,274$2,561$1,987$1,530$696
23 years$3,922$3,062$2,365$1,809$1,373$598
24 years$3,719$2,869$2,187$1,650$1,234$514
25 years$3,532$2,692$2,026$1,507$1,111$442
26 years$3,360$2,530$1,879$1,378$1,001$380
27 years$3,201$2,381$1,745$1,261$902$327
28 years$3,053$2,244$1,622$1,156$814$282
29 years$2,916$2,117$1,509$1,060$735$243
30 years$2,789$1,999$1,406$973$664$209
31 years$2,670$1,890$1,311$893$600$180
32 years$2,558$1,788$1,223$821$543$156
33 years$2,453$1,693$1,142$755$492$134
34 years$2,355$1,605$1,067$695$445$116
35 years$2,263$1,522$997$639$403$100
36 years$2,176$1,445$933$589$365$86
37 years$2,094$1,372$873$543$331$74
38 years$2,016$1,304$818$500$300$64
39 years$1,943$1,240$766$461$272$55
40 years$1,873$1,180$718$425$247$48
41 years$1,807$1,123$673$392$224$41
42 years$1,744$1,070$632$362$203$36
43 years$1,685$1,019$593$334$184$31
44 years$1,628$972$556$309$167$27
45 years$1,574$926$522$285$152$23
46 years$1,522$884$491$263$138$20
47 years$1,473$843$461$243$125$17
48 years$1,426$805$433$225$114$15
49 years$1,381$769$407$208$103$13
50 years$1,338$734$383$192$94$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,370,000, adding $5,571 every year, while hoping to spend $54,341 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: 78/6/16 Blend
42$1,370,000$1,370,000$1,370,000$1,370,000
43$1,515,486$1,442,876$1,421,641$1,628,044
44$1,612,248$1,455,759$1,411,448$1,715,926
45$1,717,057$1,467,452$1,399,092$1,804,869
46$1,830,679$1,477,838$1,384,443$1,900,930
47$1,953,952$1,486,796$1,367,366$2,004,801
48$2,087,800$1,494,194$1,347,718$2,117,243
49$2,233,239$1,499,893$1,325,349$2,239,098
50$2,391,385$1,503,744$1,300,105$2,371,289
51$2,563,469$1,505,590$1,271,821$2,514,837
52$2,750,843$1,505,264$1,240,327$2,670,867
53$2,954,994$1,502,587$1,205,443$2,840,615
54$3,177,562$1,497,372$1,166,983$3,025,449
55$3,420,347$1,489,417$1,124,752$3,226,872
56$3,685,335$1,478,511$1,078,543$3,446,543
57$3,974,710$1,464,428$1,028,145$3,686,289
58$4,290,874$1,446,930$973,332$3,948,126
59$4,636,476$1,425,762$913,871$4,234,274
60$5,014,430$1,400,657$849,519$4,547,181
61$5,427,943$1,371,331$780,019$4,889,545
62$5,880,549$1,337,482$705,105$5,264,339
63$6,376,137$1,298,791$624,499$5,674,843
64$6,918,993$1,254,921$537,909$6,124,669
65$7,513,833$1,205,515$445,032$6,617,799
66$8,165,854$1,150,195$345,550$7,158,625
67$8,880,777$1,088,561$239,133$7,751,985
68$9,664,906$1,020,191$125,433$8,403,213
69$10,525,182$944,636$4,091$9,118,188
70$11,469,252$861,424$0$9,903,391
71$12,505,538$770,055$0$10,787,375
72$13,643,317$670,002$0$11,758,741
73$14,892,809$560,706$0$12,825,539
74$16,265,272$441,578$0$13,997,408
75$17,773,109$311,994$0$15,284,971
76$19,429,981$171,297$0$16,699,927
77$21,250,941$18,793$0$18,255,172
78$23,252,571$0$0$19,964,913
79$25,453,139$0$0$21,854,458
80$27,872,772$0$0$23,933,520
81$30,533,646$0$0$26,219,920
82$33,460,191$0$0$28,734,655
83$36,679,325$0$0$31,500,862
84$40,220,705$0$0$34,544,034
85$44,117,010$0$0$37,892,257
86$48,404,241$0$0$41,576,478
87$53,122,071$0$0$45,630,794
88$58,314,208$0$0$50,092,777
89$64,028,813$0$0$55,003,822
90$70,318,956$0$0$60,409,544
91$77,243,107$0$0$66,360,202
92$84,865,698$0$0$72,911,178
93$93,257,723$0$0$80,123,493
94$102,497,409$0$0$88,064,389
95$112,670,957$0$0$96,807,958
96$123,873,349$0$0$106,435,842
97$136,209,249$0$0$117,038,005
98$149,793,986$0$0$128,713,578
99$164,754,645$0$0$141,571,797
100$181,231,264$0$0$155,733,031