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%19.8%
1 years$119,740$118,673$117,632$116,617$115,625$111,081
2 years$59,277$58,173$57,103$56,066$55,060$50,537
3 years$39,125$38,017$36,950$35,922$34,932$30,574
4 years$29,052$27,946$26,890$25,880$24,914$20,753
5 years$23,009$21,910$20,868$19,878$18,939$14,986
6 years$18,982$17,891$16,864$15,897$14,986$11,243
7 years$16,106$15,025$14,014$13,070$12,188$8,654
8 years$13,951$12,879$11,885$10,964$10,111$6,782
9 years$12,275$11,214$10,237$9,339$8,515$5,387
10 years$10,935$9,884$8,925$8,050$7,255$4,322
11 years$9,840$8,799$7,857$7,006$6,239$3,494
12 years$8,928$7,898$6,973$6,145$5,407$2,842
13 years$8,156$7,137$6,230$5,425$4,715$2,323
14 years$7,496$6,488$5,598$4,816$4,133$1,905
15 years$6,924$5,927$5,054$4,295$3,639$1,568
16 years$6,424$5,438$4,582$3,846$3,216$1,294
17 years$5,983$5,008$4,169$3,455$2,852$1,069
18 years$5,592$4,627$3,806$3,114$2,536$886
19 years$5,242$4,289$3,484$2,814$2,260$734
20 years$4,928$3,985$3,198$2,548$2,019$610
21 years$4,644$3,712$2,941$2,313$1,807$507
22 years$4,386$3,465$2,711$2,103$1,619$421
23 years$4,151$3,241$2,503$1,915$1,454$350
24 years$3,936$3,036$2,315$1,747$1,307$292
25 years$3,738$2,850$2,144$1,595$1,176$243
26 years$3,556$2,678$1,989$1,459$1,059$202
27 years$3,388$2,520$1,846$1,335$955$169
28 years$3,232$2,375$1,717$1,223$862$141
29 years$3,087$2,241$1,597$1,122$778$117
30 years$2,952$2,116$1,488$1,029$703$98
31 years$2,825$2,000$1,387$945$635$82
32 years$2,707$1,893$1,294$869$575$68
33 years$2,597$1,792$1,208$799$520$57
34 years$2,493$1,699$1,129$735$471$47
35 years$2,395$1,611$1,056$677$427$40
36 years$2,303$1,529$988$623$387$33
37 years$2,216$1,453$924$574$350$28
38 years$2,134$1,380$866$529$318$23
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$5
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 $4,675 every year, while hoping to spend $39,603 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: 64/25/11 Blend
42$1,450,000$1,450,000$1,450,000$1,450,000
43$1,602,722$1,525,872$1,503,397$1,701,050
44$1,724,063$1,558,503$1,511,624$1,799,935
45$1,856,452$1,591,405$1,518,799$1,902,859
46$2,000,977$1,624,550$1,524,845$2,014,280
47$2,158,830$1,657,907$1,529,681$2,135,024
48$2,331,328$1,691,441$1,533,222$2,265,998
49$2,519,919$1,725,117$1,535,380$2,408,206
50$2,726,195$1,758,892$1,536,060$2,562,749
51$2,951,913$1,792,724$1,535,164$2,730,844
52$3,199,004$1,826,564$1,532,588$2,913,828
53$3,469,598$1,860,361$1,528,226$3,113,178
54$3,766,038$1,894,060$1,521,962$3,330,519
55$4,090,905$1,927,599$1,513,679$3,567,643
56$4,447,041$1,960,916$1,503,251$3,826,522
57$4,837,578$1,993,939$1,490,548$4,109,332
58$5,265,962$2,026,593$1,475,433$4,418,470
59$5,735,993$2,058,799$1,457,763$4,756,577
60$6,251,854$2,090,470$1,437,387$5,126,563
61$6,818,152$2,121,512$1,414,148$5,531,638
62$7,439,963$2,151,826$1,387,883$5,975,336
63$8,122,880$2,181,306$1,358,417$6,461,553
64$8,873,062$2,209,838$1,325,572$6,994,584
65$9,697,294$2,237,299$1,289,158$7,579,161
66$10,603,052$2,263,561$1,248,979$8,220,500
67$11,598,571$2,288,483$1,204,828$8,924,349
68$12,692,924$2,311,918$1,156,488$9,697,045
69$13,896,107$2,333,707$1,103,736$10,545,570
70$15,219,133$2,353,681$1,046,334$11,477,621
71$16,674,135$2,371,662$984,036$12,501,679
72$18,274,480$2,387,457$916,585$13,627,093
73$20,034,898$2,400,862$843,711$14,864,168
74$21,971,615$2,411,662$765,133$16,224,260
75$24,102,512$2,419,626$680,557$17,719,886
76$26,447,288$2,424,508$589,676$19,364,840
77$29,027,651$2,426,049$492,170$21,174,329
78$31,867,518$2,423,971$387,703$23,165,109
79$34,993,240$2,417,981$275,927$25,355,650
80$38,433,857$2,407,768$156,477$27,766,309
81$42,221,362$2,393,001$28,971$30,419,521
82$46,391,011$2,373,328$0$33,340,016
83$50,981,652$2,348,379$0$36,567,615
84$56,036,088$2,317,757$0$40,124,233
85$61,601,488$2,281,046$0$44,039,622
86$67,729,824$2,237,802$0$48,350,321
87$74,478,368$2,187,556$0$53,096,598
88$81,910,227$2,129,811$0$58,322,832
89$90,094,939$2,064,042$0$64,077,930
90$99,109,133$1,989,690$0$70,415,788
91$109,037,248$1,906,167$0$77,395,805
92$119,972,327$1,812,850$0$85,083,440
93$132,016,904$1,709,079$0$93,550,834
94$145,283,960$1,594,155$0$102,877,488
95$159,897,997$1,467,343$0$113,151,016
96$175,996,212$1,327,861$0$124,467,976
97$193,729,786$1,174,887$0$136,934,777
98$213,265,316$1,007,548$0$150,668,688
99$234,786,385$824,925$0$165,798,945
100$258,495,296$626,046$0$182,467,973