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

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 $1,730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$142,862$141,589$140,348$139,136$137,953$136,398
2 years$70,724$69,406$68,130$66,892$65,692$64,127
3 years$46,681$45,358$44,085$42,859$41,678$40,151
4 years$34,662$33,343$32,082$30,877$29,725$28,248
5 years$27,452$26,141$24,897$23,717$22,596$21,174
6 years$22,647$21,346$20,121$18,966$17,880$16,513
7 years$19,217$17,927$16,720$15,593$14,541$13,231
8 years$16,645$15,366$14,180$13,081$12,063$10,810
9 years$14,646$13,379$12,213$11,142$10,159$8,961
10 years$13,047$11,793$10,648$9,604$8,656$7,514
11 years$11,740$10,499$9,374$8,359$7,444$6,356
12 years$10,652$9,423$8,319$7,332$6,451$5,416
13 years$9,732$8,516$7,433$6,473$5,626$4,642
14 years$8,943$7,741$6,678$5,746$4,931$3,998
15 years$8,261$7,071$6,030$5,124$4,342$3,458
16 years$7,665$6,488$5,467$4,588$3,837$3,001
17 years$7,139$5,975$4,975$4,123$3,402$2,612
18 years$6,672$5,521$4,541$3,715$3,025$2,279
19 years$6,255$5,117$4,157$3,357$2,697$1,992
20 years$5,880$4,755$3,815$3,040$2,409$1,745
21 years$5,541$4,429$3,509$2,759$2,155$1,531
22 years$5,233$4,134$3,234$2,509$1,932$1,345
23 years$4,953$3,867$2,986$2,285$1,734$1,183
24 years$4,696$3,623$2,762$2,084$1,559$1,042
25 years$4,460$3,400$2,558$1,903$1,403$918
26 years$4,243$3,195$2,372$1,740$1,264$810
27 years$4,042$3,007$2,203$1,593$1,139$715
28 years$3,856$2,834$2,048$1,459$1,028$631
29 years$3,683$2,673$1,906$1,338$928$558
30 years$3,522$2,525$1,775$1,228$839$493
31 years$3,371$2,387$1,655$1,128$758$436
32 years$3,230$2,258$1,544$1,037$686$386
33 years$3,098$2,139$1,442$953$621$342
34 years$2,974$2,027$1,347$877$562$302
35 years$2,858$1,922$1,259$807$509$268
36 years$2,748$1,825$1,178$744$461$237
37 years$2,644$1,733$1,103$685$418$210
38 years$2,546$1,647$1,033$632$379$186
39 years$2,453$1,566$968$582$344$165
40 years$2,365$1,490$907$537$312$146
41 years$2,282$1,418$850$496$283$130
42 years$2,203$1,351$798$457$257$115
43 years$2,127$1,287$748$422$233$102
44 years$2,055$1,227$703$390$211$90
45 years$1,987$1,170$660$360$192$80
46 years$1,922$1,116$620$333$174$71
47 years$1,860$1,065$582$307$158$63
48 years$1,800$1,017$547$284$144$56
49 years$1,743$971$514$262$130$50
50 years$1,689$927$483$242$119$44

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 $5,396 every year, while hoping to spend $51,075 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: 60/21/19 Blend
42$1,730,000$1,730,000$1,730,000$1,730,000
43$1,912,026$1,820,336$1,793,521$2,016,985
44$2,052,709$1,855,189$1,799,261$2,123,474
45$2,206,030$1,890,038$1,803,481$2,233,488
46$2,373,224$1,924,829$1,806,076$2,352,348
47$2,555,651$1,959,503$1,806,937$2,480,918
48$2,754,806$1,993,998$1,805,949$2,620,151
49$2,972,338$2,028,245$1,802,989$2,771,096
50$3,210,058$2,062,171$1,797,931$2,934,913
51$3,469,964$2,095,697$1,790,642$3,112,878
52$3,754,254$2,128,740$1,780,982$3,306,398
53$4,065,347$2,161,208$1,768,804$3,517,024
54$4,405,909$2,193,003$1,753,956$3,746,469
55$4,778,874$2,224,022$1,736,275$3,996,616
56$5,187,473$2,254,154$1,715,595$4,269,546
57$5,635,266$2,283,278$1,691,738$4,567,552
58$6,126,173$2,311,268$1,664,520$4,893,159
59$6,664,508$2,337,986$1,633,748$5,249,156
60$7,255,029$2,363,288$1,599,219$5,638,614
61$7,902,971$2,387,018$1,560,721$6,064,920
62$8,614,102$2,409,010$1,518,034$6,531,808
63$9,394,777$2,429,089$1,470,925$7,043,396
64$10,251,996$2,447,065$1,419,152$7,604,223
65$11,193,468$2,462,739$1,362,462$8,219,292
66$12,227,686$2,475,898$1,300,589$8,894,122
67$13,364,008$2,486,315$1,233,257$9,634,795
68$14,612,741$2,493,750$1,160,176$10,448,017
69$15,985,242$2,497,944$1,081,043$11,341,180
70$17,494,021$2,498,628$995,542$12,322,435
71$19,152,862$2,495,511$903,343$13,400,768
72$20,976,949$2,488,286$804,100$14,586,083
73$22,983,013$2,476,628$697,454$15,889,301
74$25,189,489$2,460,191$583,026$17,322,459
75$27,616,684$2,438,608$460,425$18,898,830
76$30,286,977$2,411,490$329,240$20,633,042
77$33,225,021$2,378,426$189,042$22,541,222
78$36,457,981$2,338,977$39,383$24,641,149
79$40,015,790$2,292,682$0$26,952,419
80$43,931,427$2,239,050$0$29,521,030
81$48,241,231$2,177,561$0$32,356,508
82$52,985,242$2,107,667$0$35,477,211
83$58,207,579$2,028,785$0$38,912,185
84$63,956,856$1,940,300$0$42,693,435
85$70,286,642$1,841,561$0$46,856,236
86$77,255,960$1,731,878$0$51,439,464
87$84,929,851$1,610,523$0$56,485,961
88$93,379,983$1,476,727$0$62,042,945
89$102,685,329$1,329,673$0$68,162,450
90$112,932,908$1,168,503$0$74,901,826
91$124,218,611$992,306$0$82,324,274
92$136,648,101$800,121$0$90,499,445
93$150,337,815$590,934$0$99,504,103
94$165,416,055$363,673$0$109,422,845
95$182,024,204$117,204$0$120,348,902
96$200,318,060$0$0$132,385,024
97$220,469,301$0$0$145,679,031
98$242,667,112$0$0$160,353,222
99$267,119,962$0$0$176,518,351
100$294,057,578$0$0$194,326,310