Can I retire at age 43 with 1,770,000?

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 $1,770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$146,165$144,863$143,593$142,353$141,142$135,972
2 years$72,359$71,011$69,705$68,439$67,211$62,059
3 years$47,760$46,407$45,104$43,849$42,641$37,671
4 years$35,463$34,114$32,824$31,591$30,412$25,661
5 years$28,087$26,746$25,473$24,265$23,119$18,598
6 years$23,171$21,840$20,586$19,405$18,293$14,007
7 years$19,661$18,341$17,107$15,954$14,877$10,825
8 years$17,030$15,722$14,508$13,383$12,342$8,519
9 years$14,984$13,689$12,496$11,400$10,394$6,795
10 years$13,349$12,066$10,894$9,827$8,856$5,476
11 years$12,012$10,741$9,591$8,552$7,616$4,447
12 years$10,898$9,641$8,512$7,501$6,600$3,634
13 years$9,957$8,713$7,605$6,623$5,756$2,985
14 years$9,150$7,920$6,833$5,879$5,045$2,461
15 years$8,452$7,235$6,169$5,243$4,442$2,035
16 years$7,842$6,638$5,593$4,694$3,926$1,687
17 years$7,304$6,113$5,090$4,218$3,481$1,402
18 years$6,826$5,649$4,646$3,801$3,095$1,167
19 years$6,399$5,235$4,253$3,435$2,759$973
20 years$6,016$4,865$3,904$3,111$2,464$812
21 years$5,669$4,531$3,590$2,823$2,205$678
22 years$5,354$4,230$3,309$2,567$1,977$567
23 years$5,067$3,956$3,055$2,338$1,774$475
24 years$4,805$3,707$2,826$2,132$1,595$397
25 years$4,563$3,478$2,617$1,947$1,435$333
26 years$4,341$3,269$2,427$1,780$1,293$279
27 years$4,135$3,077$2,254$1,630$1,166$234
28 years$3,945$2,899$2,095$1,493$1,052$196
29 years$3,768$2,735$1,950$1,369$950$164
30 years$3,603$2,583$1,816$1,257$858$138
31 years$3,449$2,442$1,693$1,154$776$116
32 years$3,305$2,310$1,580$1,061$702$97
33 years$3,170$2,188$1,475$975$635$81
34 years$3,043$2,074$1,378$897$575$68
35 years$2,924$1,967$1,289$826$521$57
36 years$2,811$1,867$1,205$761$472$48
37 years$2,705$1,773$1,128$701$428$40
38 years$2,605$1,685$1,057$646$388$34
39 years$2,510$1,602$990$596$352$28
40 years$2,420$1,524$928$550$319$24
41 years$2,335$1,451$870$507$289$20
42 years$2,253$1,382$816$468$263$17
43 years$2,176$1,317$766$432$238$14
44 years$2,103$1,255$719$399$216$12
45 years$2,033$1,197$675$368$196$10
46 years$1,966$1,142$634$340$178$8
47 years$1,903$1,090$596$314$162$7
48 years$1,842$1,040$560$290$147$6
49 years$1,784$993$526$268$134$5
50 years$1,728$949$495$248$121$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,770,000, adding $6,876 every year, while hoping to spend $48,576 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: 72/6/22 Blend
42$1,770,000$1,770,000$1,770,000$1,770,000
43$1,957,633$1,863,823$1,836,388$2,087,518
44$2,105,627$1,903,465$1,846,222$2,214,597
45$2,267,088$1,943,423$1,854,758$2,347,299
46$2,443,339$1,983,658$1,861,900$2,491,440
47$2,635,836$2,024,134$1,867,550$2,648,152
48$2,846,180$2,064,805$1,871,602$2,818,678
49$3,076,136$2,105,627$1,873,947$3,004,391
50$3,327,647$2,146,547$1,874,469$3,206,804
51$3,602,851$2,187,512$1,873,047$3,427,581
52$3,904,102$2,228,461$1,869,555$3,668,558
53$4,233,995$2,269,330$1,863,860$3,931,761
54$4,595,385$2,310,049$1,855,821$4,219,417
55$4,991,416$2,350,544$1,845,293$4,533,985
56$5,425,553$2,390,732$1,832,123$4,878,173
57$5,901,609$2,430,528$1,816,149$5,254,966
58$6,423,787$2,469,838$1,797,203$5,667,653
59$6,996,713$2,508,560$1,775,110$6,119,860
60$7,625,486$2,546,587$1,749,684$6,615,583
61$8,315,719$2,583,804$1,720,732$7,159,225
62$9,073,598$2,620,085$1,688,052$7,755,640
63$9,905,935$2,655,299$1,651,432$8,410,178
64$10,820,235$2,689,304$1,610,650$9,128,734
65$11,824,767$2,721,948$1,565,474$9,917,807
66$12,928,639$2,753,069$1,515,663$10,784,557
67$14,141,884$2,782,494$1,460,962$11,736,879
68$15,475,558$2,810,038$1,401,106$12,783,472
69$16,941,839$2,835,504$1,335,818$13,933,924
70$18,554,147$2,858,683$1,264,807$15,198,802
71$20,327,263$2,879,352$1,187,771$16,589,754
72$22,277,475$2,897,272$1,104,393$18,119,616
73$24,422,730$2,912,190$1,014,343$19,802,535
74$26,782,798$2,923,838$917,273$21,654,105
75$29,379,465$2,931,927$812,824$23,691,511
76$32,236,735$2,936,156$700,617$25,933,693
77$35,381,053$2,936,199$580,259$28,401,526
78$38,841,561$2,931,713$451,339$31,118,016
79$42,650,368$2,922,335$313,426$34,108,520
80$46,842,853$2,907,677$166,073$37,400,983
81$51,457,999$2,887,327$8,811$41,026,203
82$56,538,760$2,860,852$0$45,018,125
83$62,132,469$2,827,789$0$49,451,486
84$68,291,279$2,787,649$0$54,334,822
85$75,072,658$2,739,912$0$59,711,626
86$82,539,931$2,684,031$0$65,632,109
87$90,762,878$2,619,421$0$72,151,596
88$99,818,386$2,545,468$0$79,331,057
89$109,791,184$2,461,518$0$87,237,675
90$120,774,634$2,366,882$0$95,945,483
91$132,871,615$2,260,828$0$105,536,063
92$146,195,495$2,142,583$0$116,099,315
93$160,871,196$2,011,330$0$127,734,306
94$177,036,377$1,866,204$0$140,550,204
95$194,842,730$1,706,291$0$154,667,310
96$214,457,414$1,530,625$0$170,218,191
97$236,064,628$1,338,183$0$187,348,934
98$259,867,354$1,127,888$0$206,220,522
99$286,089,267$898,598$0$227,010,358
100$314,976,853$649,110$0$249,913,934