Can I retire at age 43 with 1,650,000?

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 $1,650,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$136,255$135,042$133,858$132,702$131,573$126,703
2 years$67,453$66,197$64,979$63,799$62,654$57,803
3 years$44,522$43,260$42,046$40,877$39,750$35,070
4 years$33,059$31,801$30,599$29,449$28,350$23,877
5 years$26,183$24,932$23,746$22,620$21,551$17,296
6 years$21,600$20,359$19,190$18,089$17,053$13,019
7 years$18,328$17,098$15,947$14,872$13,869$10,056
8 years$15,875$14,656$13,524$12,476$11,505$7,909
9 years$13,968$12,761$11,649$10,627$9,689$6,305
10 years$12,444$11,248$10,156$9,160$8,256$5,078
11 years$11,197$10,013$8,941$7,972$7,100$4,121
12 years$10,159$8,987$7,935$6,993$6,153$3,365
13 years$9,281$8,122$7,089$6,174$5,365$2,762
14 years$8,530$7,383$6,370$5,480$4,703$2,275
15 years$7,879$6,744$5,751$4,887$4,141$1,881
16 years$7,310$6,188$5,214$4,376$3,660$1,558
17 years$6,809$5,699$4,745$3,932$3,245$1,294
18 years$6,363$5,266$4,331$3,543$2,885$1,076
19 years$5,966$4,880$3,965$3,202$2,572$897
20 years$5,608$4,535$3,639$2,900$2,297$748
21 years$5,285$4,224$3,347$2,632$2,056$624
22 years$4,991$3,943$3,085$2,393$1,843$521
23 years$4,724$3,688$2,848$2,179$1,654$436
24 years$4,479$3,455$2,634$1,988$1,487$365
25 years$4,254$3,243$2,440$1,815$1,338$305
26 years$4,047$3,048$2,263$1,660$1,205$256
27 years$3,855$2,868$2,101$1,519$1,086$214
28 years$3,677$2,703$1,953$1,392$980$179
29 years$3,512$2,550$1,818$1,276$885$150
30 years$3,359$2,408$1,693$1,171$800$126
31 years$3,215$2,276$1,578$1,076$723$106
32 years$3,081$2,154$1,473$989$654$88
33 years$2,955$2,040$1,375$909$592$74
34 years$2,837$1,933$1,285$837$536$62
35 years$2,725$1,834$1,201$770$485$52
36 years$2,621$1,740$1,124$709$440$44
37 years$2,522$1,653$1,052$653$399$37
38 years$2,428$1,571$985$602$361$31
39 years$2,340$1,494$923$555$328$26
40 years$2,256$1,421$865$512$297$22
41 years$2,176$1,353$811$473$270$18
42 years$2,101$1,288$761$436$245$15
43 years$2,029$1,228$714$403$222$13
44 years$1,960$1,170$670$372$202$11
45 years$1,895$1,116$629$343$183$9
46 years$1,833$1,064$591$317$166$8
47 years$1,774$1,016$555$293$151$6
48 years$1,717$970$522$271$137$5
49 years$1,663$926$490$250$124$4
50 years$1,611$885$461$231$113$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,650,000, adding $4,677 every year, while hoping to spend $27,084 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: 69/25/6 Blend
42$1,650,000$1,650,000$1,650,000$1,650,000
43$1,823,124$1,735,674$1,710,099$1,947,083
44$1,980,266$1,791,905$1,738,570$2,085,930
45$2,152,528$1,849,984$1,767,088$2,233,991
46$2,341,425$1,909,972$1,795,624$2,395,204
47$2,548,623$1,971,933$1,824,150$2,570,854
48$2,775,959$2,035,935$1,852,636$2,762,351
49$3,025,456$2,102,044$1,881,048$2,971,249
50$3,299,342$2,170,334$1,909,352$3,199,260
51$3,600,070$2,240,876$1,937,511$3,448,266
52$3,930,345$2,313,746$1,965,486$3,720,341
53$4,293,145$2,389,024$1,993,234$4,017,768
54$4,691,750$2,466,791$2,020,712$4,343,059
55$5,129,775$2,547,130$2,047,872$4,698,982
56$5,611,202$2,630,129$2,074,666$5,088,586
57$6,140,417$2,715,879$2,101,040$5,515,225
58$6,722,254$2,804,471$2,126,939$5,982,597
59$7,362,037$2,896,003$2,152,304$6,494,771
60$8,065,632$2,990,575$2,177,074$7,056,230
61$8,839,503$3,088,289$2,201,183$7,671,913
62$9,690,771$3,189,254$2,224,561$8,347,258
63$10,627,282$3,293,580$2,247,136$9,088,256
64$11,657,681$3,401,381$2,268,831$9,901,505
65$12,791,492$3,512,777$2,289,565$10,794,275
66$14,039,211$3,627,890$2,309,252$11,774,572
67$15,412,402$3,746,848$2,327,803$12,851,218
68$16,923,805$3,869,782$2,345,123$14,033,929
69$18,587,461$3,996,829$2,361,113$15,333,411
70$20,418,839$4,128,130$2,375,666$16,761,457
71$22,434,984$4,263,832$2,388,675$18,331,060
72$24,654,679$4,404,086$2,400,022$20,056,534
73$27,098,619$4,549,050$2,409,586$21,953,651
74$29,789,610$4,698,885$2,417,239$24,039,784
75$32,752,781$4,853,760$2,422,846$26,334,078
76$36,015,821$5,013,851$2,426,268$28,857,625
77$39,609,241$5,179,336$2,427,355$31,633,664
78$43,566,665$5,350,405$2,425,952$34,687,799
79$47,925,140$5,527,250$2,421,897$38,048,243
80$52,725,492$5,710,073$2,415,018$41,746,081
81$58,012,708$5,899,082$2,405,137$45,815,563
82$63,836,359$6,094,492$2,392,064$50,294,430
83$70,251,074$6,296,528$2,375,604$55,224,263
84$77,317,046$6,505,421$2,355,550$60,650,883
85$85,100,610$6,721,411$2,331,685$66,624,778
86$93,674,859$6,944,748$2,303,784$73,201,580
87$103,120,342$7,175,688$2,271,608$80,442,588
88$113,525,820$7,414,500$2,234,910$88,415,349
89$124,989,103$7,661,460$2,193,429$97,194,295
90$137,617,977$7,916,856$2,146,894$106,861,440
91$151,531,215$8,180,987$2,095,020$117,507,159
92$166,859,704$8,454,160$2,037,508$129,231,039
93$183,747,676$8,736,696$1,974,047$142,142,816
94$202,354,072$9,028,928$1,904,310$156,363,412
95$222,854,041$9,331,199$1,827,958$172,026,076
96$245,440,592$9,643,866$1,744,634$189,277,642
97$270,326,418$9,967,301$1,653,964$208,279,910
98$297,745,901$10,301,887$1,555,560$229,211,177
99$327,957,326$10,648,022$1,449,015$252,267,917
100$361,245,318$11,006,121$1,333,902$277,666,637