Can I retire at age 43 with 1,410,000?

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 $1,410,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$116,436$115,399$114,387$113,400$112,435$111,169
2 years$57,642$56,568$55,528$54,519$53,541$52,265
3 years$38,046$36,968$35,930$34,931$33,968$32,724
4 years$28,250$27,175$26,148$25,166$24,227$23,023
5 years$22,374$21,306$20,292$19,330$18,417$17,257
6 years$18,458$17,398$16,399$15,458$14,572$13,459
7 years$15,662$14,611$13,628$12,709$11,851$10,784
8 years$13,566$12,524$11,557$10,661$9,832$8,810
9 years$11,937$10,904$9,954$9,081$8,280$7,304
10 years$10,634$9,612$8,678$7,828$7,055$6,124
11 years$9,569$8,557$7,640$6,813$6,067$5,180
12 years$8,681$7,680$6,781$5,976$5,258$4,414
13 years$7,931$6,941$6,058$5,276$4,585$3,783
14 years$7,289$6,309$5,443$4,683$4,019$3,259
15 years$6,733$5,763$4,914$4,176$3,539$2,818
16 years$6,247$5,288$4,456$3,740$3,128$2,446
17 years$5,818$4,870$4,054$3,360$2,773$2,128
18 years$5,438$4,500$3,701$3,028$2,466$1,857
19 years$5,098$4,170$3,388$2,736$2,198$1,624
20 years$4,792$3,875$3,110$2,478$1,963$1,422
21 years$4,516$3,610$2,860$2,249$1,757$1,248
22 years$4,265$3,370$2,636$2,045$1,575$1,096
23 years$4,037$3,151$2,434$1,862$1,414$964
24 years$3,827$2,953$2,251$1,698$1,270$849
25 years$3,635$2,771$2,085$1,551$1,143$748
26 years$3,458$2,604$1,934$1,418$1,030$660
27 years$3,294$2,451$1,796$1,298$928$583
28 years$3,143$2,309$1,669$1,189$838$515
29 years$3,002$2,179$1,553$1,091$756$455
30 years$2,870$2,058$1,447$1,001$684$402
31 years$2,747$1,945$1,349$919$618$356
32 years$2,633$1,840$1,259$845$559$315
33 years$2,525$1,743$1,175$777$506$278
34 years$2,424$1,652$1,098$715$458$247
35 years$2,329$1,567$1,026$658$415$218
36 years$2,239$1,487$960$606$376$193
37 years$2,155$1,412$899$558$341$171
38 years$2,075$1,342$842$515$309$152
39 years$1,999$1,276$789$475$280$135
40 years$1,928$1,214$739$438$254$119
41 years$1,860$1,156$693$404$230$106
42 years$1,795$1,101$650$373$209$94
43 years$1,734$1,049$610$344$190$83
44 years$1,675$1,000$573$318$172$74
45 years$1,620$953$538$293$156$65
46 years$1,566$910$505$271$142$58
47 years$1,516$868$474$250$129$51
48 years$1,467$829$446$231$117$46
49 years$1,421$791$419$214$106$40
50 years$1,377$756$394$198$97$36

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,410,000, adding $5,439 every year, while hoping to spend $45,667 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: 50/21/29 Blend
42$1,410,000$1,410,000$1,410,000$1,410,000
43$1,559,430$1,484,700$1,462,845$1,624,349
44$1,669,903$1,508,861$1,463,261$1,694,515
45$1,790,113$1,532,676$1,462,161$1,765,776
46$1,921,006$1,556,078$1,459,444$1,842,351
47$2,063,621$1,578,999$1,455,009$1,924,767
48$2,219,104$1,601,363$1,448,744$2,013,607
49$2,388,713$1,623,090$1,440,538$2,109,511
50$2,573,834$1,644,094$1,430,269$2,213,189
51$2,775,995$1,664,284$1,417,812$2,325,424
52$2,996,874$1,683,562$1,403,036$2,447,082
53$3,238,321$1,701,822$1,385,804$2,579,117
54$3,502,373$1,718,954$1,365,971$2,722,583
55$3,791,270$1,734,839$1,343,387$2,878,644
56$4,107,483$1,749,349$1,317,893$3,048,585
57$4,453,728$1,762,349$1,289,325$3,233,826
58$4,833,000$1,773,696$1,257,509$3,435,931
59$5,248,595$1,783,236$1,222,264$3,656,629
60$5,704,143$1,790,806$1,183,402$3,897,830
61$6,203,643$1,796,233$1,140,723$4,161,637
62$6,751,500$1,799,333$1,094,022$4,450,376
63$7,352,562$1,799,910$1,043,081$4,766,610
64$8,012,174$1,797,756$987,675$5,113,172
65$8,736,220$1,792,650$927,567$5,493,183
66$9,531,184$1,784,359$862,509$5,910,091
67$10,404,205$1,772,633$792,244$6,367,699
68$11,363,151$1,757,210$716,501$6,870,201
69$12,416,688$1,737,808$635,000$7,422,227
70$13,574,362$1,714,133$547,444$8,028,884
71$14,846,691$1,685,869$453,527$8,695,806
72$16,245,261$1,652,684$352,928$9,429,208
73$17,782,838$1,614,226$245,311$10,235,946
74$19,473,485$1,570,121$130,327$11,123,582
75$21,332,698$1,519,974$7,610$12,100,456
76$23,377,547$1,463,367$0$13,175,770
77$25,626,842$1,399,857$0$14,397,839
78$28,101,305$1,328,975$0$15,744,680
79$30,823,770$1,250,227$0$17,226,406
80$33,819,395$1,163,088$0$18,856,763
81$37,115,899$1,067,005$0$20,650,901
82$40,743,825$961,392$0$22,625,520
83$44,736,825$845,631$0$24,799,024
84$49,131,980$719,066$0$27,191,701
85$53,970,150$581,008$0$29,825,909
86$59,296,354$430,726$0$32,726,294
87$65,160,201$267,450$0$35,920,017
88$71,616,351$90,365$0$39,437,018
89$78,725,038$0$0$43,310,293
90$86,552,632$0$0$47,599,640
91$95,172,266$0$0$52,346,196
92$104,664,527$0$0$57,573,480
93$115,118,216$0$0$63,330,418
94$126,631,186$0$0$69,670,923
95$139,311,263$0$0$76,654,405
96$153,277,264$0$0$84,346,329
97$168,660,118$0$0$92,818,835
98$185,604,105$0$0$102,151,415
99$204,268,208$0$0$112,431,668
100$224,827,623$0$0$123,756,122