Can I retire at age 43 with 1,570,000?

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 $1,570,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$129,649$128,494$127,368$126,268$125,194$120,369
2 years$64,183$62,987$61,829$60,706$59,616$54,813
3 years$42,363$41,163$40,007$38,895$37,823$33,192
4 years$31,456$30,259$29,115$28,021$26,976$22,553
5 years$24,913$23,724$22,595$21,523$20,506$16,303
6 years$20,553$19,372$18,260$17,212$16,226$12,245
7 years$17,439$16,269$15,174$14,151$13,196$9,435
8 years$15,105$13,945$12,869$11,871$10,947$7,404
9 years$13,291$12,142$11,084$10,111$9,219$5,888
10 years$11,840$10,702$9,663$8,716$7,855$4,729
11 years$10,654$9,528$8,507$7,586$6,756$3,829
12 years$9,667$8,552$7,550$6,654$5,854$3,118
13 years$8,831$7,728$6,745$5,874$5,105$2,552
14 years$8,116$7,025$6,061$5,214$4,475$2,097
15 years$7,497$6,417$5,472$4,650$3,940$1,728
16 years$6,956$5,888$4,961$4,164$3,482$1,428
17 years$6,479$5,422$4,515$3,741$3,088$1,182
18 years$6,055$5,010$4,121$3,372$2,746$980
19 years$5,676$4,644$3,773$3,047$2,447$814
20 years$5,336$4,315$3,462$2,759$2,186$677
21 years$5,028$4,019$3,185$2,504$1,956$563
22 years$4,749$3,752$2,935$2,277$1,753$469
23 years$4,495$3,509$2,710$2,074$1,574$391
24 years$4,262$3,288$2,506$1,891$1,415$326
25 years$4,048$3,085$2,321$1,727$1,273$272
26 years$3,850$2,900$2,153$1,579$1,147$227
27 years$3,668$2,729$1,999$1,446$1,034$189
28 years$3,499$2,572$1,859$1,324$933$158
29 years$3,342$2,426$1,730$1,215$842$132
30 years$3,196$2,291$1,611$1,115$761$110
31 years$3,059$2,166$1,502$1,024$688$92
32 years$2,931$2,049$1,401$941$622$77
33 years$2,812$1,941$1,308$865$563$64
34 years$2,699$1,839$1,223$796$510$54
35 years$2,593$1,745$1,143$733$462$45
36 years$2,494$1,656$1,069$675$419$38
37 years$2,399$1,573$1,001$622$379$31
38 years$2,310$1,495$937$573$344$26
39 years$2,226$1,421$878$528$312$22
40 years$2,146$1,352$823$487$283$18
41 years$2,071$1,287$772$450$257$15
42 years$1,999$1,226$724$415$233$13
43 years$1,930$1,168$679$383$211$11
44 years$1,865$1,113$638$354$192$9
45 years$1,803$1,062$599$327$174$7
46 years$1,744$1,013$562$302$158$6
47 years$1,688$967$528$279$144$5
48 years$1,634$923$496$258$130$4
49 years$1,582$881$467$238$118$4
50 years$1,533$842$439$220$108$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,570,000, adding $4,129 every year, while hoping to spend $47,977 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: 43/50/7 Blend
42$1,570,000$1,570,000$1,570,000$1,570,000
43$1,734,399$1,651,189$1,626,854$1,805,305
44$1,860,261$1,681,050$1,630,307$1,884,768
45$1,997,352$1,710,766$1,632,267$1,965,572
46$2,146,768$1,740,280$1,632,634$2,051,998
47$2,309,714$1,769,529$1,631,302$2,144,577
48$2,487,515$1,798,447$1,628,162$2,243,895
49$2,681,632$1,826,961$1,623,095$2,350,597
50$2,893,671$1,854,994$1,615,981$2,465,395
51$3,125,401$1,882,465$1,606,692$2,589,076
52$3,378,770$1,909,283$1,595,094$2,722,506
53$3,655,921$1,935,355$1,581,047$2,866,641
54$3,959,216$1,960,579$1,564,403$3,022,536
55$4,291,255$1,984,846$1,545,009$3,191,356
56$4,654,900$2,008,040$1,522,704$3,374,385
57$5,053,303$2,030,038$1,497,318$3,573,038
58$5,489,938$2,050,707$1,468,676$3,788,881
59$5,968,626$2,069,907$1,436,592$4,023,637
60$6,493,581$2,087,487$1,400,872$4,279,209
61$7,069,440$2,103,287$1,361,315$4,557,698
62$7,701,312$2,117,137$1,317,708$4,861,419
63$8,394,824$2,128,856$1,269,830$5,192,929
64$9,156,177$2,138,250$1,217,450$5,555,046
65$9,992,197$2,145,115$1,160,325$5,950,882
66$10,910,408$2,149,232$1,098,202$6,383,868
67$11,919,094$2,150,369$1,030,816$6,857,791
68$13,027,385$2,148,281$957,892$7,376,826
69$14,245,337$2,142,705$879,140$7,945,582
70$15,584,028$2,133,364$794,258$8,569,142
71$17,055,665$2,119,965$702,931$9,253,111
72$18,673,693$2,102,194$604,830$10,003,674
73$20,452,928$2,079,720$499,611$10,827,654
74$22,409,693$2,052,192$386,913$11,732,575
75$24,561,970$2,019,238$266,364$12,726,736
76$26,929,574$1,980,464$137,570$13,819,291
77$29,534,336$1,935,452$124$15,020,338
78$32,400,309$1,883,759$0$16,341,011
79$35,553,995$1,824,918$0$17,804,538
80$39,024,596$1,758,433$0$19,414,237
81$42,844,287$1,683,779$0$21,185,072
82$47,048,522$1,600,401$0$23,133,550
83$51,676,362$1,507,712$0$25,277,875
84$56,770,853$1,405,091$0$27,638,117
85$62,379,422$1,291,882$0$30,236,407
86$68,554,330$1,167,392$0$33,097,144
87$75,353,163$1,030,885$0$36,247,232
88$82,839,375$881,589$0$39,716,332
89$91,082,887$718,682$0$43,537,148
90$100,160,745$541,301$0$47,745,734
91$110,157,848$348,531$0$52,381,843
92$121,167,747$139,408$0$57,489,297
93$133,293,531$0$0$63,116,413
94$146,648,795$0$0$69,364,369
95$161,358,715$0$0$76,330,822
96$177,561,226$0$0$84,004,430
97$195,408,327$0$0$92,457,213
98$215,067,512$0$0$101,768,536
99$236,723,350$0$0$112,025,857
100$260,579,232$0$0$123,325,547