Can I retire at age 43 with 1,380,000?

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 $1,380,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$113,959$112,944$111,954$110,987$110,043$106,350
2 years$56,415$55,365$54,346$53,359$52,401$48,718
3 years$37,237$36,181$35,166$34,188$33,246$29,686
4 years$27,649$26,597$25,592$24,630$23,711$20,303
5 years$21,898$20,853$19,860$18,918$18,025$14,778
6 years$18,065$17,028$16,050$15,129$14,262$11,179
7 years$15,329$14,300$13,338$12,439$11,599$8,678
8 years$13,277$12,258$11,311$10,434$9,623$6,863
9 years$11,683$10,672$9,742$8,888$8,104$5,501
10 years$10,407$9,407$8,494$7,661$6,905$4,455
11 years$9,365$8,375$7,478$6,668$5,938$3,637
12 years$8,497$7,517$6,636$5,848$5,146$2,988
13 years$7,763$6,793$5,929$5,163$4,487$2,467
14 years$7,134$6,175$5,327$4,583$3,934$2,046
15 years$6,590$5,641$4,810$4,088$3,463$1,701
16 years$6,114$5,175$4,361$3,660$3,061$1,419
17 years$5,695$4,766$3,968$3,288$2,714$1,186
18 years$5,322$4,404$3,622$2,964$2,413$993
19 years$4,989$4,082$3,316$2,678$2,151$833
20 years$4,690$3,793$3,043$2,425$1,921$700
21 years$4,420$3,533$2,799$2,201$1,719$588
22 years$4,174$3,298$2,580$2,001$1,541$495
23 years$3,951$3,084$2,382$1,823$1,383$417
24 years$3,746$2,890$2,203$1,662$1,243$351
25 years$3,558$2,712$2,041$1,518$1,119$296
26 years$3,384$2,549$1,893$1,388$1,008$250
27 years$3,224$2,399$1,757$1,271$909$211
28 years$3,076$2,260$1,634$1,164$820$178
29 years$2,938$2,132$1,520$1,068$740$150
30 years$2,809$2,014$1,416$980$669$127
31 years$2,689$1,904$1,320$900$605$107
32 years$2,577$1,801$1,232$827$547$90
33 years$2,471$1,706$1,150$760$495$76
34 years$2,372$1,617$1,075$700$448$64
35 years$2,279$1,533$1,005$644$406$54
36 years$2,192$1,455$940$593$368$46
37 years$2,109$1,382$880$547$333$39
38 years$2,031$1,314$824$504$302$33
39 years$1,957$1,249$772$464$274$28
40 years$1,887$1,189$723$428$249$23
41 years$1,820$1,131$678$395$226$20
42 years$1,757$1,078$636$365$205$17
43 years$1,697$1,027$597$337$186$14
44 years$1,640$979$560$311$169$12
45 years$1,585$933$526$287$153$10
46 years$1,533$890$494$265$139$9
47 years$1,484$850$464$245$126$7
48 years$1,436$811$436$226$115$6
49 years$1,391$774$410$209$104$5
50 years$1,347$740$386$193$95$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,380,000, adding $6,328 every year, while hoping to spend $46,253 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: 55/15/30 Blend
42$1,380,000$1,380,000$1,380,000$1,380,000
43$1,527,287$1,454,147$1,432,757$1,598,246
44$1,633,858$1,476,188$1,431,542$1,670,026
45$1,749,748$1,497,758$1,428,735$1,742,905
46$1,875,861$1,518,786$1,424,236$1,821,373
47$2,013,187$1,539,195$1,417,936$1,905,986
48$2,162,819$1,558,903$1,409,725$1,997,358
49$2,325,959$1,577,821$1,399,482$2,096,167
50$2,503,929$1,595,856$1,387,087$2,203,162
51$2,698,184$1,612,908$1,372,409$2,319,170
52$2,910,327$1,628,869$1,355,314$2,445,103
53$3,142,123$1,643,626$1,335,658$2,581,968
54$3,395,512$1,657,056$1,313,296$2,730,877
55$3,672,633$1,669,030$1,288,070$2,893,058
56$3,975,839$1,679,411$1,259,818$3,069,866
57$4,307,724$1,688,051$1,228,371$3,262,796
58$4,671,141$1,694,795$1,193,551$3,473,499
59$5,069,233$1,699,476$1,155,171$3,703,795
60$5,505,462$1,701,917$1,113,036$3,955,696
61$5,983,641$1,701,933$1,066,944$4,231,418
62$6,507,967$1,699,322$1,016,682$4,533,411
63$7,083,065$1,693,874$962,026$4,864,374
64$7,714,029$1,685,365$902,745$5,227,287
65$8,406,469$1,673,557$838,596$5,625,439
66$9,166,564$1,658,197$769,324$6,062,457
67$10,001,122$1,639,017$694,665$6,542,342
68$10,917,641$1,615,733$614,341$7,069,508
69$11,924,382$1,588,046$528,063$7,648,827
70$13,030,444$1,555,635$435,528$8,285,668
71$14,245,853$1,518,165$336,422$8,985,959
72$15,581,652$1,475,277$230,414$9,756,234
73$17,050,008$1,426,593$117,160$10,603,701
74$18,664,326$1,371,713$0$11,536,312
75$20,439,373$1,310,213$0$12,564,019
76$22,391,421$1,241,646$0$13,735,407
77$24,538,396$1,165,536$0$15,023,723
78$26,900,048$1,081,383$0$16,440,858
79$29,498,139$988,657$0$17,999,918
80$32,356,645$886,797$0$19,715,345
81$35,501,984$775,211$0$21,603,057
82$38,963,264$653,274$0$23,680,597
83$42,772,557$520,325$0$25,967,298
84$46,965,201$375,664$0$28,484,469
85$51,580,136$218,556$0$31,255,592
86$56,660,265$48,220$0$34,306,548
87$62,252,864$0$0$37,665,860
88$68,410,026$0$0$41,387,440
89$75,189,150$0$0$45,493,877
90$82,653,487$0$0$50,015,546
91$90,872,729$0$0$54,994,685
92$99,923,674$0$0$60,477,840
93$109,890,947$0$0$66,516,298
94$120,867,796$0$0$73,166,575
95$132,956,974$0$0$80,490,947
96$146,271,710$0$0$88,558,039
97$160,936,772$0$0$97,443,470
98$177,089,649$0$0$107,230,569
99$194,881,845$0$0$118,011,160
100$214,480,310$0$0$129,886,428