Can I retire at age 43 with 1,730,000?

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 $1,730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$142,862$141,589$140,348$139,136$137,953$134,454
2 years$70,724$69,406$68,130$66,892$65,692$62,190
3 years$46,681$45,358$44,085$42,859$41,678$38,282
4 years$34,662$33,343$32,082$30,877$29,725$26,461
5 years$27,452$26,141$24,897$23,717$22,596$19,474
6 years$22,647$21,346$20,121$18,966$17,880$14,901
7 years$19,217$17,927$16,720$15,593$14,541$11,707
8 years$16,645$15,366$14,180$13,081$12,063$9,373
9 years$14,646$13,379$12,213$11,142$10,159$7,610
10 years$13,047$11,793$10,648$9,604$8,656$6,245
11 years$11,740$10,499$9,374$8,359$7,444$5,167
12 years$10,652$9,423$8,319$7,332$6,451$4,305
13 years$9,732$8,516$7,433$6,473$5,626$3,605
14 years$8,943$7,741$6,678$5,746$4,931$3,033
15 years$8,261$7,071$6,030$5,124$4,342$2,560
16 years$7,665$6,488$5,467$4,588$3,837$2,168
17 years$7,139$5,975$4,975$4,123$3,402$1,840
18 years$6,672$5,521$4,541$3,715$3,025$1,565
19 years$6,255$5,117$4,157$3,357$2,697$1,333
20 years$5,880$4,755$3,815$3,040$2,409$1,138
21 years$5,541$4,429$3,509$2,759$2,155$972
22 years$5,233$4,134$3,234$2,509$1,932$831
23 years$4,953$3,867$2,986$2,285$1,734$712
24 years$4,696$3,623$2,762$2,084$1,559$610
25 years$4,460$3,400$2,558$1,903$1,403$523
26 years$4,243$3,195$2,372$1,740$1,264$448
27 years$4,042$3,007$2,203$1,593$1,139$385
28 years$3,856$2,834$2,048$1,459$1,028$330
29 years$3,683$2,673$1,906$1,338$928$284
30 years$3,522$2,525$1,775$1,228$839$244
31 years$3,371$2,387$1,655$1,128$758$209
32 years$3,230$2,258$1,544$1,037$686$180
33 years$3,098$2,139$1,442$953$621$155
34 years$2,974$2,027$1,347$877$562$133
35 years$2,858$1,922$1,259$807$509$114
36 years$2,748$1,825$1,178$744$461$98
37 years$2,644$1,733$1,103$685$418$85
38 years$2,546$1,647$1,033$632$379$73
39 years$2,453$1,566$968$582$344$63
40 years$2,365$1,490$907$537$312$54
41 years$2,282$1,418$850$496$283$46
42 years$2,203$1,351$798$457$257$40
43 years$2,127$1,287$748$422$233$34
44 years$2,055$1,227$703$390$211$29
45 years$1,987$1,170$660$360$192$25
46 years$1,922$1,116$620$333$174$22
47 years$1,860$1,065$582$307$158$19
48 years$1,800$1,017$547$284$144$16
49 years$1,743$971$514$262$130$14
50 years$1,689$927$483$242$119$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,730,000, adding $5,194 every year, while hoping to spend $32,498 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: 62/14/24 Blend
42$1,730,000$1,730,000$1,730,000$1,730,000
43$1,911,818$1,820,128$1,793,313$2,017,929
44$2,072,245$1,874,736$1,818,811$2,145,004
45$2,247,948$1,930,932$1,844,074$2,279,656
46$2,440,448$1,988,757$1,869,060$2,425,957
47$2,651,424$2,048,257$1,893,725$2,585,051
48$2,882,725$2,109,477$1,918,020$2,758,195
49$3,136,385$2,172,463$1,941,896$2,946,775
50$3,414,647$2,237,264$1,965,300$3,152,316
51$3,719,980$2,303,929$1,988,176$3,376,498
52$4,055,103$2,372,507$2,010,465$3,621,173
53$4,423,012$2,443,049$2,032,105$3,888,380
54$4,827,009$2,515,607$2,053,030$4,180,366
55$5,270,728$2,590,236$2,073,170$4,499,604
56$5,758,175$2,666,990$2,092,454$4,848,822
57$6,293,760$2,745,924$2,110,803$5,231,022
58$6,882,345$2,827,096$2,128,136$5,649,515
59$7,529,285$2,910,564$2,144,369$6,107,946
60$8,240,478$2,996,388$2,159,412$6,610,332
61$9,022,424$3,084,628$2,173,169$7,161,100
62$9,882,282$3,175,346$2,185,542$7,765,126
63$10,827,943$3,268,606$2,196,425$8,427,784
64$11,868,098$3,364,473$2,205,710$9,154,994
65$13,012,324$3,463,011$2,213,281$9,953,282
66$14,271,171$3,564,289$2,219,016$10,829,836
67$15,656,266$3,668,375$2,222,788$11,792,579
68$17,180,417$3,775,337$2,224,464$12,850,238
69$18,857,739$3,885,249$2,223,903$14,012,433
70$20,703,783$3,998,181$2,220,959$15,289,764
71$22,735,685$4,114,207$2,215,476$16,693,910
72$24,972,323$4,233,401$2,207,293$18,237,743
73$27,434,503$4,355,841$2,196,241$19,935,446
74$30,145,148$4,481,603$2,182,141$21,802,648
75$33,129,518$4,610,766$2,164,806$23,856,574
76$36,415,444$4,743,409$2,144,043$26,116,202
77$40,033,596$4,879,612$2,119,645$28,602,449
78$44,017,768$5,019,459$2,091,399$31,338,364
79$48,405,200$5,163,032$2,059,080$34,349,346
80$53,236,924$5,310,415$2,022,453$37,663,385
81$58,558,158$5,461,693$1,981,273$41,311,327
82$64,418,727$5,616,952$1,935,282$45,327,164
83$70,873,534$5,776,280$1,884,211$49,748,354
84$77,983,080$5,939,763$1,827,778$54,616,177
85$85,814,034$6,107,492$1,765,689$59,976,125
86$94,439,861$6,279,554$1,697,634$65,878,327
87$103,941,516$6,456,041$1,623,294$72,378,030
88$114,408,206$6,637,042$1,542,329$79,536,114
89$125,938,234$6,822,649$1,454,389$87,419,669
90$138,639,929$7,012,953$1,359,106$96,102,632
91$152,632,659$7,208,046$1,256,094$105,666,480
92$168,047,970$7,408,019$1,144,952$116,201,003
93$185,030,815$7,612,965$1,025,260$127,805,150
94$203,740,932$7,822,974$896,581$140,587,963
95$224,354,346$8,038,138$758,455$154,669,612
96$247,065,031$8,258,549$610,405$170,182,521
97$272,086,742$8,484,295$451,931$187,272,627
98$299,655,032$8,715,468$282,512$206,100,753
99$330,029,473$8,952,154$101,604$226,844,128
100$363,496,110$9,194,440$0$249,698,061