Can I retire at age 43 with 1,460,000?

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 $1,460,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$120,565$119,492$118,444$117,421$116,422$115,399
2 years$59,686$58,574$57,497$56,452$55,439$54,408
3 years$39,395$38,279$37,204$36,170$35,173$34,166
4 years$29,252$28,139$27,075$26,058$25,086$24,110
5 years$23,168$22,061$21,011$20,015$19,070$18,129
6 years$19,113$18,015$16,980$16,006$15,089$14,184
7 years$16,217$15,129$14,111$13,160$12,272$11,403
8 years$14,047$12,968$11,967$11,039$10,180$9,348
9 years$12,360$11,291$10,307$9,403$8,573$7,777
10 years$11,011$9,953$8,986$8,106$7,305$6,544
11 years$9,908$8,860$7,911$7,054$6,283$5,557
12 years$8,989$7,952$7,021$6,188$5,444$4,753
13 years$8,213$7,187$6,273$5,463$4,748$4,090
14 years$7,548$6,532$5,636$4,849$4,162$3,536
15 years$6,972$5,968$5,089$4,325$3,664$3,071
16 years$6,468$5,475$4,614$3,872$3,238$2,676
17 years$6,025$5,042$4,198$3,479$2,871$2,339
18 years$5,631$4,659$3,832$3,135$2,553$2,049
19 years$5,279$4,318$3,508$2,833$2,276$1,799
20 years$4,962$4,013$3,220$2,566$2,033$1,583
21 years$4,676$3,738$2,962$2,329$1,819$1,395
22 years$4,416$3,489$2,730$2,117$1,631$1,231
23 years$4,180$3,263$2,520$1,928$1,464$1,088
24 years$3,963$3,057$2,331$1,759$1,316$963
25 years$3,764$2,869$2,159$1,606$1,184$852
26 years$3,581$2,697$2,002$1,469$1,066$755
27 years$3,411$2,538$1,859$1,344$961$670
28 years$3,254$2,391$1,728$1,232$867$594
29 years$3,108$2,256$1,608$1,129$783$528
30 years$2,972$2,131$1,498$1,037$708$469
31 years$2,845$2,014$1,397$952$640$417
32 years$2,726$1,906$1,303$875$579$371
33 years$2,615$1,805$1,217$805$524$330
34 years$2,510$1,710$1,137$740$474$293
35 years$2,412$1,622$1,063$681$430$261
36 years$2,319$1,540$994$628$389$232
37 years$2,231$1,463$931$578$353$207
38 years$2,149$1,390$872$533$320$184
39 years$2,070$1,322$817$491$290$164
40 years$1,996$1,257$765$453$263$146
41 years$1,926$1,197$718$418$239$130
42 years$1,859$1,140$673$386$217$116
43 years$1,795$1,086$632$356$197$104
44 years$1,735$1,035$593$329$178$92
45 years$1,677$987$557$304$162$82
46 years$1,622$942$523$281$147$73
47 years$1,570$899$491$259$134$65
48 years$1,519$858$462$240$121$58
49 years$1,471$819$434$221$110$52
50 years$1,425$783$408$205$100$46

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,460,000, adding $4,822 every year, while hoping to spend $49,513 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: 50/30/20 Blend
42$1,460,000$1,460,000$1,460,000$1,460,000
43$1,613,894$1,536,514$1,513,884$1,685,356
44$1,725,830$1,559,122$1,511,918$1,757,915
45$1,847,523$1,581,178$1,508,226$1,831,267
46$1,979,918$1,602,603$1,502,699$1,909,940
47$2,124,051$1,623,312$1,495,221$1,994,457
48$2,281,065$1,643,215$1,485,671$2,085,393
49$2,452,215$1,662,214$1,473,923$2,183,383
50$2,638,885$1,680,206$1,459,843$2,289,131
51$2,842,597$1,697,082$1,443,293$2,403,410
52$3,065,025$1,712,722$1,424,127$2,527,077
53$3,308,014$1,727,002$1,402,191$2,661,078
54$3,573,594$1,739,787$1,377,328$2,806,456
55$3,864,000$1,750,937$1,349,368$2,964,363
56$4,181,694$1,760,298$1,318,137$3,136,072
57$4,529,385$1,767,711$1,283,453$3,322,988
58$4,910,057$1,773,003$1,245,123$3,526,660
59$5,326,995$1,775,993$1,202,947$3,748,802
60$5,783,819$1,776,487$1,156,716$3,991,303
61$6,284,513$1,774,279$1,106,211$4,256,248
62$6,833,466$1,769,152$1,051,202$4,545,941
63$7,435,513$1,760,874$991,450$4,862,923
64$8,095,976$1,749,198$926,705$5,209,998
65$8,820,722$1,733,864$856,706$5,590,261
66$9,616,208$1,714,596$781,178$6,007,130
67$10,489,551$1,691,101$699,837$6,464,372
68$11,448,589$1,663,068$612,385$6,966,149
69$12,501,954$1,630,169$518,510$7,517,049
70$13,659,160$1,592,054$417,886$8,122,136
71$14,930,685$1,548,354$310,175$8,786,999
72$16,328,070$1,498,679$195,022$9,517,802
73$17,864,035$1,442,616$72,057$10,321,344
74$19,552,588$1,379,726$0$11,205,130
75$21,409,167$1,309,547$0$12,190,061
76$23,450,776$1,231,589$0$13,289,871
77$25,696,152$1,145,334$0$14,499,328
78$28,165,939$1,050,235$0$15,829,632
79$30,882,880$945,712$0$17,293,134
80$33,872,036$831,154$0$18,903,448
81$37,161,018$705,914$0$20,675,583
82$40,780,248$569,310$0$22,626,087
83$44,763,247$420,620$0$24,773,202
84$49,146,949$259,081$0$27,137,039
85$53,972,051$83,889$0$29,739,767
86$59,283,394$0$0$32,605,825
87$65,130,391$0$0$35,797,086
88$71,567,483$0$0$39,341,096
89$78,654,664$0$0$43,243,216
90$86,458,037$0$0$47,539,866
91$95,050,442$0$0$52,271,179
92$104,512,144$0$0$57,481,376
93$114,931,587$0$0$63,219,187
94$126,406,227$0$0$69,538,308
95$139,043,456$0$0$76,497,908
96$152,961,613$0$0$84,163,189
97$168,291,097$0$0$92,605,997
98$185,175,601$0$0$101,905,503
99$203,773,467$0$0$112,148,950
100$224,259,179$0$0$123,432,475