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

Use the below retirement simulation to view the chances of a successful retirement.
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%18.6%
1 years$119,740$118,673$117,632$116,617$115,625$111,611
2 years$59,277$58,173$57,103$56,066$55,060$51,057
3 years$39,125$38,017$36,950$35,922$34,932$31,067
4 years$29,052$27,946$26,890$25,880$24,914$21,216
5 years$23,009$21,910$20,868$19,878$18,939$15,417
6 years$18,982$17,891$16,864$15,897$14,986$11,643
7 years$16,106$15,025$14,014$13,070$12,188$9,024
8 years$13,951$12,879$11,885$10,964$10,111$7,123
9 years$12,275$11,214$10,237$9,339$8,515$5,699
10 years$10,935$9,884$8,925$8,050$7,255$4,607
11 years$9,840$8,799$7,857$7,006$6,239$3,754
12 years$8,928$7,898$6,973$6,145$5,407$3,078
13 years$8,156$7,137$6,230$5,425$4,715$2,536
14 years$7,496$6,488$5,598$4,816$4,133$2,098
15 years$6,924$5,927$5,054$4,295$3,639$1,742
16 years$6,424$5,438$4,582$3,846$3,216$1,449
17 years$5,983$5,008$4,169$3,455$2,852$1,209
18 years$5,592$4,627$3,806$3,114$2,536$1,010
19 years$5,242$4,289$3,484$2,814$2,260$845
20 years$4,928$3,985$3,198$2,548$2,019$708
21 years$4,644$3,712$2,941$2,313$1,807$594
22 years$4,386$3,465$2,711$2,103$1,619$498
23 years$4,151$3,241$2,503$1,915$1,454$419
24 years$3,936$3,036$2,315$1,747$1,307$352
25 years$3,738$2,850$2,144$1,595$1,176$296
26 years$3,556$2,678$1,989$1,459$1,059$249
27 years$3,388$2,520$1,846$1,335$955$210
28 years$3,232$2,375$1,717$1,223$862$176
29 years$3,087$2,241$1,597$1,122$778$149
30 years$2,952$2,116$1,488$1,029$703$125
31 years$2,825$2,000$1,387$945$635$105
32 years$2,707$1,893$1,294$869$575$89
33 years$2,597$1,792$1,208$799$520$75
34 years$2,493$1,699$1,129$735$471$63
35 years$2,395$1,611$1,056$677$427$53
36 years$2,303$1,529$988$623$387$45
37 years$2,216$1,453$924$574$350$38
38 years$2,134$1,380$866$529$318$32
39 years$2,056$1,313$811$488$288$27
40 years$1,982$1,249$760$450$261$23
41 years$1,912$1,189$713$415$237$19
42 years$1,846$1,132$669$383$215$16
43 years$1,783$1,079$627$354$195$14
44 years$1,723$1,028$589$327$177$11
45 years$1,666$981$553$302$161$10
46 years$1,611$935$519$279$146$8
47 years$1,559$893$488$257$133$7
48 years$1,509$852$458$238$120$6
49 years$1,461$814$431$220$109$5
50 years$1,416$777$405$203$99$4

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 $3,969 every year, while hoping to spend $50,479 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: 33/39/28 Blend
42$1,450,000$1,450,000$1,450,000$1,450,000
43$1,601,994$1,525,144$1,502,669$1,641,121
44$1,711,688$1,546,167$1,499,299$1,692,230
45$1,830,879$1,566,528$1,494,125$1,742,513
46$1,960,483$1,586,142$1,487,032$1,795,724
47$2,101,506$1,604,916$1,477,901$1,852,159
48$2,255,056$1,622,754$1,466,607$1,912,144
49$2,422,353$1,639,550$1,453,020$1,976,042
50$2,604,739$1,655,194$1,437,002$2,044,256
51$2,803,691$1,669,567$1,418,410$2,117,233
52$3,020,833$1,682,542$1,397,093$2,195,469
53$3,257,956$1,693,984$1,372,893$2,279,514
54$3,517,028$1,703,750$1,345,646$2,369,979
55$3,800,219$1,711,688$1,315,179$2,467,538
56$4,109,916$1,717,635$1,281,312$2,572,943
57$4,448,747$1,721,419$1,243,856$2,687,024
58$4,819,607$1,722,856$1,202,613$2,810,701
59$5,225,683$1,721,752$1,157,376$2,944,995
60$5,670,485$1,717,900$1,107,931$3,091,035
61$6,157,878$1,711,081$1,054,049$3,250,070
62$6,692,118$1,701,060$995,497$3,423,487
63$7,277,894$1,687,592$932,026$3,612,817
64$7,920,370$1,670,415$863,379$3,819,757
65$8,625,232$1,649,249$789,287$4,046,183
66$9,398,745$1,623,802$709,467$4,294,171
67$10,247,809$1,593,760$623,627$4,566,019
68$11,180,025$1,558,794$531,458$4,864,266
69$12,203,766$1,518,553$432,640$5,191,722
70$13,328,255$1,472,667$326,838$5,551,493
71$14,563,652$1,420,743$213,702$5,947,011
72$15,921,151$1,362,366$92,868$6,382,072
73$17,413,083$1,297,097$0$6,860,871
74$19,053,034$1,224,470$0$7,398,824
75$20,855,969$1,143,995$0$8,020,582
76$22,838,379$1,055,152$0$8,704,153
77$25,018,431$957,392$0$9,455,919
78$27,416,140$850,133$0$10,282,919
79$30,053,558$732,762$0$11,192,921
80$32,954,984$604,630$0$12,194,496
81$36,147,189$465,053$0$13,297,096
82$39,659,668$313,307$0$14,511,152
83$43,524,922$148,627$0$15,848,169
84$47,778,762$0$0$17,320,839
85$52,460,643$0$0$18,955,945
86$57,614,042$0$0$20,826,190
87$63,286,864$0$0$22,885,208
88$69,531,894$0$0$25,152,191
89$76,407,294$0$0$27,648,285
90$83,977,155$0$0$30,396,793
91$92,312,095$0$0$33,423,394
92$101,489,931$0$0$36,756,381
93$111,596,410$0$0$40,426,933
94$122,726,016$0$0$44,469,404
95$134,982,866$0$0$48,921,654
96$148,481,686$0$0$53,825,400
97$163,348,899$0$0$59,226,609
98$179,723,813$0$0$65,175,940
99$197,759,938$0$0$71,729,211
100$217,626,433$0$0$78,947,933