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%14.8%
1 years$142,862$141,589$140,348$139,136$137,953$135,223
2 years$70,724$69,406$68,130$66,892$65,692$62,953
3 years$46,681$45,358$44,085$42,859$41,678$39,015
4 years$34,662$33,343$32,082$30,877$29,725$27,159
5 years$27,452$26,141$24,897$23,717$22,596$20,135
6 years$22,647$21,346$20,121$18,966$17,880$15,526
7 years$19,217$17,927$16,720$15,593$14,541$12,294
8 years$16,645$15,366$14,180$13,081$12,063$9,924
9 years$14,646$13,379$12,213$11,142$10,159$8,125
10 years$13,047$11,793$10,648$9,604$8,656$6,725
11 years$11,740$10,499$9,374$8,359$7,444$5,615
12 years$10,652$9,423$8,319$7,332$6,451$4,720
13 years$9,732$8,516$7,433$6,473$5,626$3,991
14 years$8,943$7,741$6,678$5,746$4,931$3,389
15 years$8,261$7,071$6,030$5,124$4,342$2,889
16 years$7,665$6,488$5,467$4,588$3,837$2,471
17 years$7,139$5,975$4,975$4,123$3,402$2,118
18 years$6,672$5,521$4,541$3,715$3,025$1,820
19 years$6,255$5,117$4,157$3,357$2,697$1,567
20 years$5,880$4,755$3,815$3,040$2,409$1,352
21 years$5,541$4,429$3,509$2,759$2,155$1,167
22 years$5,233$4,134$3,234$2,509$1,932$1,009
23 years$4,953$3,867$2,986$2,285$1,734$873
24 years$4,696$3,623$2,762$2,084$1,559$757
25 years$4,460$3,400$2,558$1,903$1,403$656
26 years$4,243$3,195$2,372$1,740$1,264$569
27 years$4,042$3,007$2,203$1,593$1,139$494
28 years$3,856$2,834$2,048$1,459$1,028$429
29 years$3,683$2,673$1,906$1,338$928$372
30 years$3,522$2,525$1,775$1,228$839$324
31 years$3,371$2,387$1,655$1,128$758$281
32 years$3,230$2,258$1,544$1,037$686$245
33 years$3,098$2,139$1,442$953$621$213
34 years$2,974$2,027$1,347$877$562$185
35 years$2,858$1,922$1,259$807$509$161
36 years$2,748$1,825$1,178$744$461$140
37 years$2,644$1,733$1,103$685$418$122
38 years$2,546$1,647$1,033$632$379$106
39 years$2,453$1,566$968$582$344$92
40 years$2,365$1,490$907$537$312$80
41 years$2,282$1,418$850$496$283$70
42 years$2,203$1,351$798$457$257$61
43 years$2,127$1,287$748$422$233$53
44 years$2,055$1,227$703$390$211$46
45 years$1,987$1,170$660$360$192$40
46 years$1,922$1,116$620$333$174$35
47 years$1,860$1,065$582$307$158$31
48 years$1,800$1,017$547$284$144$27
49 years$1,743$971$514$262$130$23
50 years$1,689$927$483$242$119$20

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 $2,142 every year, while hoping to spend $37,582 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: 63/18/19 Blend
42$1,730,000$1,730,000$1,730,000$1,730,000
43$1,908,669$1,816,979$1,790,164$2,019,545
44$2,063,367$1,866,025$1,810,148$2,143,482
45$2,232,584$1,916,213$1,829,541$2,274,348
46$2,417,761$1,967,562$1,848,285$2,416,389
47$2,620,487$2,020,086$1,866,317$2,570,698
48$2,842,508$2,073,802$1,883,570$2,738,479
49$3,085,750$2,128,724$1,899,975$2,921,057
50$3,352,331$2,184,866$1,915,459$3,119,891
51$3,644,586$2,242,242$1,929,945$3,336,591
52$3,965,087$2,300,865$1,943,350$3,572,928
53$4,316,664$2,360,745$1,955,591$3,830,852
54$4,702,437$2,421,895$1,966,576$4,112,515
55$5,125,841$2,484,323$1,976,212$4,420,283
56$5,590,660$2,548,039$1,984,399$4,756,768
57$6,101,064$2,613,049$1,991,033$5,124,844
58$6,661,644$2,679,360$1,996,003$5,527,679
59$7,277,458$2,746,975$1,999,196$5,968,763
60$7,954,080$2,815,898$2,000,490$6,451,942
61$8,697,648$2,886,129$1,999,759$6,981,453
62$9,514,926$2,957,668$1,996,869$7,561,967
63$10,413,366$3,030,510$1,991,681$8,198,627
64$11,401,175$3,104,652$1,984,049$8,897,105
65$12,487,399$3,180,084$1,973,818$9,663,647
66$13,682,002$3,256,796$1,960,829$10,505,138
67$14,995,963$3,334,775$1,944,913$11,429,165
68$16,441,376$3,414,005$1,925,894$12,444,088
69$18,031,571$3,494,465$1,903,585$13,559,119
70$19,781,230$3,576,133$1,877,794$14,784,411
71$21,706,534$3,658,981$1,848,318$16,131,151
72$23,825,308$3,742,979$1,814,945$17,611,670
73$26,157,196$3,828,092$1,777,452$19,239,553
74$28,723,840$3,914,278$1,735,606$21,029,774
75$31,549,087$4,001,494$1,689,165$22,998,833
76$34,659,216$4,089,689$1,637,874$25,164,914
77$38,083,180$4,178,807$1,581,467$27,548,056
78$41,852,883$4,268,787$1,519,664$30,170,342
79$46,003,479$4,359,561$1,452,176$33,056,110
80$50,573,708$4,451,052$1,378,697$36,232,180
81$55,606,252$4,543,180$1,298,910$39,728,108
82$61,148,148$4,635,854$1,212,481$43,576,467
83$67,251,224$4,728,976$1,119,064$47,813,153
84$73,972,592$4,822,438$1,018,296$52,477,726
85$81,375,184$4,916,126$909,796$57,613,780
86$89,528,348$5,009,911$793,170$63,269,360
87$98,508,501$5,103,659$668,003$69,497,412
88$108,399,850$5,197,220$533,863$76,356,285
89$119,295,186$5,290,435$390,299$83,910,283
90$131,296,761$5,383,132$236,840$92,230,270
91$144,517,251$5,475,126$72,994$101,394,340
92$159,080,819$5,566,216$0$111,488,559
93$175,124,291$5,656,188$0$122,628,422
94$192,798,438$5,744,812$0$134,914,936
95$212,269,411$5,831,839$0$148,448,592
96$233,720,296$5,917,005$0$163,356,448
97$257,352,854$6,000,025$0$179,778,525
98$283,389,414$6,080,596$0$197,869,118
99$312,074,980$6,158,391$0$217,798,263
100$343,679,540$6,233,064$0$239,753,333