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%15.1%
1 years$129,649$128,494$127,368$126,268$125,194$122,566
2 years$64,183$62,987$61,829$60,706$59,616$56,981
3 years$42,363$41,163$40,007$38,895$37,823$35,263
4 years$31,456$30,259$29,115$28,021$26,976$24,510
5 years$24,913$23,724$22,595$21,523$20,506$18,142
6 years$20,553$19,372$18,260$17,212$16,226$13,966
7 years$17,439$16,269$15,174$14,151$13,196$11,041
8 years$15,105$13,945$12,869$11,871$10,947$8,896
9 years$13,291$12,142$11,084$10,111$9,219$7,271
10 years$11,840$10,702$9,663$8,716$7,855$6,007
11 years$10,654$9,528$8,507$7,586$6,756$5,006
12 years$9,667$8,552$7,550$6,654$5,854$4,200
13 years$8,831$7,728$6,745$5,874$5,105$3,544
14 years$8,116$7,025$6,061$5,214$4,475$3,003
15 years$7,497$6,417$5,472$4,650$3,940$2,555
16 years$6,956$5,888$4,961$4,164$3,482$2,180
17 years$6,479$5,422$4,515$3,741$3,088$1,865
18 years$6,055$5,010$4,121$3,372$2,746$1,600
19 years$5,676$4,644$3,773$3,047$2,447$1,374
20 years$5,336$4,315$3,462$2,759$2,186$1,182
21 years$5,028$4,019$3,185$2,504$1,956$1,019
22 years$4,749$3,752$2,935$2,277$1,753$879
23 years$4,495$3,509$2,710$2,074$1,574$759
24 years$4,262$3,288$2,506$1,891$1,415$656
25 years$4,048$3,085$2,321$1,727$1,273$567
26 years$3,850$2,900$2,153$1,579$1,147$491
27 years$3,668$2,729$1,999$1,446$1,034$425
28 years$3,499$2,572$1,859$1,324$933$368
29 years$3,342$2,426$1,730$1,215$842$319
30 years$3,196$2,291$1,611$1,115$761$276
31 years$3,059$2,166$1,502$1,024$688$240
32 years$2,931$2,049$1,401$941$622$208
33 years$2,812$1,941$1,308$865$563$180
34 years$2,699$1,839$1,223$796$510$156
35 years$2,593$1,745$1,143$733$462$136
36 years$2,494$1,656$1,069$675$419$118
37 years$2,399$1,573$1,001$622$379$102
38 years$2,310$1,495$937$573$344$89
39 years$2,226$1,421$878$528$312$77
40 years$2,146$1,352$823$487$283$67
41 years$2,071$1,287$772$450$257$58
42 years$1,999$1,226$724$415$233$51
43 years$1,930$1,168$679$383$211$44
44 years$1,865$1,113$638$354$192$38
45 years$1,803$1,062$599$327$174$33
46 years$1,744$1,013$562$302$158$29
47 years$1,688$967$528$279$144$25
48 years$1,634$923$496$258$130$22
49 years$1,582$881$467$238$118$19
50 years$1,533$842$439$220$108$16

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 $4,934 every year, while hoping to spend $25,982 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: 55/36/9 Blend
42$1,570,000$1,570,000$1,570,000$1,570,000
43$1,735,229$1,652,019$1,627,684$1,826,600
44$1,884,578$1,705,324$1,654,567$1,942,263
45$2,048,290$1,760,369$1,681,480$2,064,846
46$2,227,802$1,817,214$1,708,396$2,197,687
47$2,424,697$1,875,917$1,735,287$2,341,767
48$2,640,720$1,936,541$1,762,123$2,498,162
49$2,877,792$1,999,149$1,788,872$2,668,058
50$3,138,028$2,063,809$1,815,501$2,852,760
51$3,423,759$2,130,588$1,841,973$3,053,703
52$3,737,553$2,199,558$1,868,249$3,272,467
53$4,082,238$2,270,790$1,894,290$3,510,788
54$4,460,930$2,344,362$1,920,052$3,770,582
55$4,877,061$2,420,352$1,945,490$4,053,952
56$5,334,412$2,498,840$1,970,554$4,363,219
57$5,837,149$2,579,911$1,995,196$4,700,933
58$6,389,863$2,663,651$2,019,359$5,069,903
59$6,997,609$2,750,150$2,042,988$5,473,225
60$7,665,959$2,839,501$2,066,021$5,914,303
61$8,401,050$2,931,799$2,088,396$6,396,888
62$9,209,644$3,027,145$2,110,045$6,925,111
63$10,099,194$3,125,641$2,130,897$7,503,519
64$11,077,908$3,227,394$2,150,878$8,137,122
65$12,154,831$3,332,513$2,169,910$8,831,438
66$13,339,931$3,441,113$2,187,909$9,592,540
67$14,644,188$3,553,311$2,204,787$10,427,123
68$16,079,702$3,669,230$2,220,454$11,342,558
69$17,659,805$3,788,996$2,234,813$12,346,963
70$19,399,188$3,912,740$2,247,762$13,449,283
71$21,314,037$4,040,597$2,259,195$14,659,370
72$23,422,190$4,172,707$2,268,999$15,988,078
73$25,743,299$4,309,215$2,277,055$17,447,361
74$28,299,020$4,450,271$2,283,242$19,050,392
75$31,113,217$4,596,031$2,287,427$20,811,680
76$34,212,184$4,746,656$2,289,475$22,747,212
77$37,624,897$4,902,312$2,289,243$24,874,598
78$41,383,283$5,063,172$2,286,579$27,213,241
79$45,522,525$5,229,415$2,281,326$29,784,519
80$50,081,391$5,401,225$2,273,319$32,611,983
81$55,102,602$5,578,794$2,262,385$35,721,583
82$60,633,234$5,762,320$2,248,340$39,141,910
83$66,725,159$5,952,010$2,230,996$42,904,465
84$73,435,543$6,148,076$2,210,151$47,043,955
85$80,827,374$6,350,738$2,185,598$51,598,625
86$88,970,067$6,560,224$2,157,116$56,610,611
87$97,940,111$6,776,772$2,124,476$62,126,341
88$107,821,794$7,000,627$2,087,438$68,196,975
89$118,708,002$7,232,041$2,045,752$74,878,880
90$130,701,086$7,471,279$1,999,152$82,234,170
91$143,913,838$7,718,614$1,947,365$90,331,284
92$158,470,550$7,974,326$1,890,103$99,245,635
93$174,508,188$8,238,710$1,827,063$109,060,322
94$192,177,684$8,512,068$1,757,931$119,866,910
95$211,645,364$8,794,715$1,682,378$131,766,297
96$233,094,512$9,086,977$1,600,058$144,869,664
97$256,727,105$9,389,192$1,510,613$159,299,522
98$282,765,716$9,701,709$1,413,665$175,190,871
99$311,455,618$10,024,891$1,308,821$192,692,472
100$343,067,095$10,359,115$1,195,670$211,968,248