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%17.2%
1 years$142,862$141,589$140,348$139,136$137,953$133,912
2 years$70,724$69,406$68,130$66,892$65,692$61,654
3 years$46,681$45,358$44,085$42,859$41,678$37,769
4 years$34,662$33,343$32,082$30,877$29,725$25,975
5 years$27,452$26,141$24,897$23,717$22,596$19,016
6 years$22,647$21,346$20,121$18,966$17,880$14,472
7 years$19,217$17,927$16,720$15,593$14,541$11,305
8 years$16,645$15,366$14,180$13,081$12,063$8,998
9 years$14,646$13,379$12,213$11,142$10,159$7,261
10 years$13,047$11,793$10,648$9,604$8,656$5,922
11 years$11,740$10,499$9,374$8,359$7,444$4,869
12 years$10,652$9,423$8,319$7,332$6,451$4,029
13 years$9,732$8,516$7,433$6,473$5,626$3,352
14 years$8,943$7,741$6,678$5,746$4,931$2,800
15 years$8,261$7,071$6,030$5,124$4,342$2,347
16 years$7,665$6,488$5,467$4,588$3,837$1,973
17 years$7,139$5,975$4,975$4,123$3,402$1,663
18 years$6,672$5,521$4,541$3,715$3,025$1,404
19 years$6,255$5,117$4,157$3,357$2,697$1,187
20 years$5,880$4,755$3,815$3,040$2,409$1,005
21 years$5,541$4,429$3,509$2,759$2,155$852
22 years$5,233$4,134$3,234$2,509$1,932$723
23 years$4,953$3,867$2,986$2,285$1,734$614
24 years$4,696$3,623$2,762$2,084$1,559$522
25 years$4,460$3,400$2,558$1,903$1,403$444
26 years$4,243$3,195$2,372$1,740$1,264$378
27 years$4,042$3,007$2,203$1,593$1,139$322
28 years$3,856$2,834$2,048$1,459$1,028$274
29 years$3,683$2,673$1,906$1,338$928$233
30 years$3,522$2,525$1,775$1,228$839$199
31 years$3,371$2,387$1,655$1,128$758$169
32 years$3,230$2,258$1,544$1,037$686$144
33 years$3,098$2,139$1,442$953$621$123
34 years$2,974$2,027$1,347$877$562$105
35 years$2,858$1,922$1,259$807$509$89
36 years$2,748$1,825$1,178$744$461$76
37 years$2,644$1,733$1,103$685$418$65
38 years$2,546$1,647$1,033$632$379$55
39 years$2,453$1,566$968$582$344$47
40 years$2,365$1,490$907$537$312$40
41 years$2,282$1,418$850$496$283$34
42 years$2,203$1,351$798$457$257$29
43 years$2,127$1,287$748$422$233$25
44 years$2,055$1,227$703$390$211$21
45 years$1,987$1,170$660$360$192$18
46 years$1,922$1,116$620$333$174$16
47 years$1,860$1,065$582$307$158$13
48 years$1,800$1,017$547$284$144$11
49 years$1,743$971$514$262$130$10
50 years$1,689$927$483$242$119$8

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 $3,673 every year, while hoping to spend $33,306 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: 65/29/6 Blend
42$1,730,000$1,730,000$1,730,000$1,730,000
43$1,910,249$1,818,559$1,791,744$2,032,328
44$2,069,657$1,872,231$1,816,330$2,167,601
45$2,244,208$1,927,416$1,840,623$2,311,019
46$2,435,412$1,984,155$1,864,579$2,466,820
47$2,644,932$2,042,486$1,888,150$2,636,203
48$2,874,597$2,102,450$1,911,285$2,820,489
49$3,126,424$2,164,088$1,933,931$3,021,133
50$3,402,634$2,227,443$1,956,033$3,239,733
51$3,705,673$2,292,558$1,977,530$3,478,053
52$4,038,235$2,359,477$1,998,361$3,738,031
53$4,403,288$2,428,244$2,018,459$4,021,802
54$4,804,100$2,498,905$2,037,754$4,331,718
55$5,244,274$2,571,506$2,056,174$4,670,368
56$5,727,774$2,646,095$2,073,641$5,040,603
57$6,258,972$2,722,719$2,090,073$5,445,562
58$6,842,682$2,801,427$2,105,385$5,888,705
59$7,484,207$2,882,268$2,119,487$6,373,838
60$8,189,390$2,965,293$2,132,283$6,905,158
61$8,964,668$3,050,553$2,143,675$7,487,284
62$9,817,134$3,138,099$2,153,557$8,125,307
63$10,754,600$3,227,984$2,161,820$8,824,831
64$11,785,675$3,320,261$2,168,347$9,592,032
65$12,919,844$3,414,985$2,173,017$10,433,714
66$14,167,558$3,512,208$2,175,702$11,357,371
67$15,540,329$3,611,987$2,176,269$12,371,259
68$17,050,846$3,714,377$2,174,577$13,484,473
69$18,713,085$3,819,435$2,170,478$14,707,034
70$20,542,449$3,927,216$2,163,818$16,049,983
71$22,555,908$4,037,779$2,154,435$17,525,482
72$24,772,160$4,151,180$2,142,159$19,146,933
73$27,211,810$4,267,478$2,126,811$20,929,101
74$29,897,561$4,386,730$2,108,205$22,888,255
75$32,854,428$4,508,995$2,086,146$25,042,318
76$36,109,975$4,634,332$2,060,427$27,411,042
77$39,694,577$4,762,799$2,030,836$30,016,187
78$43,641,702$4,894,454$1,997,147$32,881,730
79$47,988,229$5,029,356$1,959,125$36,034,093
80$52,774,797$5,167,563$1,916,525$39,502,387
81$58,046,186$5,309,133$1,869,087$43,318,689
82$63,851,740$5,454,123$1,816,544$47,518,347
83$70,245,832$5,602,590$1,758,614$52,140,307
84$77,288,381$5,754,591$1,695,001$57,227,489
85$85,045,409$5,910,179$1,625,397$62,827,183
86$93,589,674$6,069,411$1,549,481$68,991,500
87$103,001,347$6,232,338$1,466,915$75,777,864
88$113,368,774$6,399,013$1,377,346$83,249,552
89$124,789,310$6,569,485$1,280,408$91,476,291
90$137,370,233$6,743,804$1,175,716$100,534,916
91$151,229,762$6,922,015$1,062,867$110,510,096
92$166,498,167$7,104,163$941,443$121,495,132
93$183,319,003$7,290,290$811,004$133,592,838
94$201,850,462$7,480,435$671,093$146,916,511
95$222,266,867$7,674,634$521,233$161,591,001
96$244,760,317$7,872,921$360,923$177,753,887
97$269,542,498$8,075,323$189,643$195,556,777
98$296,846,686$8,281,867$6,849$215,166,741
99$326,929,943$8,492,573$0$236,767,884
100$360,075,546$8,707,458$0$260,575,137