Can I retire at age 43 with 1,450,000?

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 $1,450,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$119,740$118,673$117,632$116,617$115,625$111,037
2 years$59,277$58,173$57,103$56,066$55,060$50,495
3 years$39,125$38,017$36,950$35,922$34,932$30,533
4 years$29,052$27,946$26,890$25,880$24,914$20,715
5 years$23,009$21,910$20,868$19,878$18,939$14,951
6 years$18,982$17,891$16,864$15,897$14,986$11,210
7 years$16,106$15,025$14,014$13,070$12,188$8,624
8 years$13,951$12,879$11,885$10,964$10,111$6,755
9 years$12,275$11,214$10,237$9,339$8,515$5,362
10 years$10,935$9,884$8,925$8,050$7,255$4,299
11 years$9,840$8,799$7,857$7,006$6,239$3,473
12 years$8,928$7,898$6,973$6,145$5,407$2,823
13 years$8,156$7,137$6,230$5,425$4,715$2,306
14 years$7,496$6,488$5,598$4,816$4,133$1,890
15 years$6,924$5,927$5,054$4,295$3,639$1,554
16 years$6,424$5,438$4,582$3,846$3,216$1,281
17 years$5,983$5,008$4,169$3,455$2,852$1,059
18 years$5,592$4,627$3,806$3,114$2,536$876
19 years$5,242$4,289$3,484$2,814$2,260$726
20 years$4,928$3,985$3,198$2,548$2,019$602
21 years$4,644$3,712$2,941$2,313$1,807$500
22 years$4,386$3,465$2,711$2,103$1,619$415
23 years$4,151$3,241$2,503$1,915$1,454$345
24 years$3,936$3,036$2,315$1,747$1,307$287
25 years$3,738$2,850$2,144$1,595$1,176$239
26 years$3,556$2,678$1,989$1,459$1,059$199
27 years$3,388$2,520$1,846$1,335$955$166
28 years$3,232$2,375$1,717$1,223$862$138
29 years$3,087$2,241$1,597$1,122$778$115
30 years$2,952$2,116$1,488$1,029$703$96
31 years$2,825$2,000$1,387$945$635$80
32 years$2,707$1,893$1,294$869$575$67
33 years$2,597$1,792$1,208$799$520$56
34 years$2,493$1,699$1,129$735$471$46
35 years$2,395$1,611$1,056$677$427$39
36 years$2,303$1,529$988$623$387$32
37 years$2,216$1,453$924$574$350$27
38 years$2,134$1,380$866$529$318$22
39 years$2,056$1,313$811$488$288$19
40 years$1,982$1,249$760$450$261$16
41 years$1,912$1,189$713$415$237$13
42 years$1,846$1,132$669$383$215$11
43 years$1,783$1,079$627$354$195$9
44 years$1,723$1,028$589$327$177$8
45 years$1,666$981$553$302$161$6
46 years$1,611$935$519$279$146$5
47 years$1,559$893$488$257$133$4
48 years$1,509$852$458$238$120$4
49 years$1,461$814$431$220$109$3
50 years$1,416$777$405$203$99$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,450,000, adding $5,544 every year, while hoping to spend $45,976 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: 43/37/20 Blend
42$1,450,000$1,450,000$1,450,000$1,450,000
43$1,603,619$1,526,769$1,504,294$1,663,020
44$1,718,270$1,552,662$1,505,769$1,731,457
45$1,843,074$1,578,284$1,505,754$1,800,644
46$1,979,019$1,603,571$1,504,148$1,874,655
47$2,127,191$1,628,458$1,500,849$1,953,957
48$2,288,785$1,652,873$1,495,748$2,039,069
49$2,465,118$1,676,740$1,488,732$2,130,559
50$2,657,637$1,699,978$1,479,681$2,229,058
51$2,867,937$1,722,497$1,468,472$2,335,261
52$3,097,773$1,744,206$1,454,972$2,449,938
53$3,349,077$1,765,004$1,439,045$2,573,937
54$3,623,977$1,784,783$1,420,547$2,708,195
55$3,924,816$1,803,431$1,399,329$2,853,747
56$4,254,173$1,820,825$1,375,232$3,011,735
57$4,614,889$1,836,836$1,348,093$3,183,422
58$5,010,092$1,851,324$1,317,738$3,370,200
59$5,443,226$1,864,145$1,283,987$3,573,608
60$5,918,087$1,875,139$1,246,652$3,795,345
61$6,438,853$1,884,142$1,205,536$4,037,284
62$7,010,125$1,890,975$1,160,431$4,301,495
63$7,636,975$1,895,449$1,111,123$4,590,264
64$8,324,986$1,897,365$1,057,384$4,906,112
65$9,080,308$1,896,510$998,981$5,251,822
66$9,909,718$1,892,658$935,665$5,630,466
67$10,820,679$1,885,568$867,180$6,045,436
68$11,821,414$1,874,986$793,255$6,500,472
69$12,920,979$1,860,641$713,611$6,999,705
70$14,129,355$1,842,248$627,952$7,547,692
71$15,457,533$1,819,503$535,973$8,149,459
72$16,917,626$1,792,083$437,352$8,810,555
73$18,522,976$1,759,647$331,756$9,537,103
74$20,288,283$1,721,834$218,834$10,335,854
75$22,229,746$1,678,261$98,222$11,214,262
76$24,365,207$1,628,523$0$12,180,544
77$26,714,328$1,572,190$0$13,250,278
78$29,298,771$1,508,809$0$14,449,751
79$32,142,404$1,437,900$0$15,769,102
80$35,271,525$1,358,953$0$17,220,596
81$38,715,111$1,271,431$0$18,817,754
82$42,505,087$1,174,767$0$20,575,484
83$46,676,634$1,068,358$0$22,510,222
84$51,268,514$951,571$0$24,640,089
85$56,323,437$823,733$0$26,985,061
86$61,888,467$684,135$0$29,567,166
87$68,015,462$532,028$0$32,410,684
88$74,761,562$366,621$0$35,542,385
89$82,189,733$187,077$0$38,991,779
90$90,369,356$0$0$42,791,401
91$99,376,883$0$0$46,980,163
92$109,296,559$0$0$51,677,218
93$120,221,213$0$0$56,850,382
94$132,253,138$0$0$62,548,124
95$145,505,055$0$0$68,823,855
96$160,101,173$0$0$75,736,429
97$176,178,366$0$0$83,350,700
98$193,887,458$0$0$91,738,135
99$213,394,653$0$0$100,977,487
100$234,883,099$0$0$111,155,539