Can I retire at age 43 with 1,780,000?

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 $1,780,000?

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 years$146,991$145,681$144,404$143,157$141,940$136,795
2 years$72,768$71,412$70,099$68,826$67,590$62,463
3 years$48,030$46,669$45,359$44,097$42,882$37,934
4 years$35,663$34,307$33,010$31,770$30,584$25,853
5 years$28,246$26,897$25,617$24,402$23,249$18,748
6 years$23,302$21,963$20,702$19,515$18,396$14,127
7 years$19,772$18,445$17,204$16,044$14,961$10,924
8 years$17,126$15,810$14,590$13,459$12,412$8,602
9 years$15,069$13,766$12,566$11,464$10,453$6,866
10 years$13,424$12,134$10,956$9,882$8,906$5,536
11 years$12,079$10,802$9,645$8,600$7,660$4,499
12 years$10,960$9,695$8,560$7,544$6,638$3,679
13 years$10,013$8,762$7,648$6,660$5,788$3,023
14 years$9,202$7,964$6,871$5,912$5,074$2,494
15 years$8,500$7,275$6,204$5,272$4,467$2,064
16 years$7,886$6,675$5,625$4,721$3,948$1,713
17 years$7,345$6,148$5,118$4,242$3,501$1,425
18 years$6,865$5,681$4,672$3,823$3,113$1,187
19 years$6,436$5,265$4,277$3,454$2,774$990
20 years$6,050$4,892$3,926$3,128$2,478$827
21 years$5,701$4,557$3,611$2,839$2,218$691
22 years$5,384$4,254$3,328$2,581$1,988$579
23 years$5,096$3,978$3,073$2,351$1,784$484
24 years$4,832$3,728$2,842$2,144$1,604$406
25 years$4,589$3,498$2,632$1,958$1,443$340
26 years$4,366$3,288$2,441$1,790$1,300$285
27 years$4,159$3,094$2,267$1,639$1,172$239
28 years$3,967$2,916$2,107$1,502$1,058$201
29 years$3,789$2,750$1,961$1,377$955$169
30 years$3,623$2,598$1,827$1,264$863$142
31 years$3,468$2,456$1,703$1,161$780$119
32 years$3,324$2,323$1,589$1,067$706$100
33 years$3,188$2,200$1,483$981$639$84
34 years$3,060$2,085$1,386$902$578$70
35 years$2,940$1,978$1,296$831$524$59
36 years$2,827$1,877$1,212$765$475$50
37 years$2,720$1,783$1,135$705$430$42
38 years$2,619$1,695$1,063$650$390$35
39 years$2,524$1,611$995$599$354$29
40 years$2,434$1,533$933$553$321$25
41 years$2,348$1,459$875$510$291$21
42 years$2,266$1,390$821$471$264$17
43 years$2,189$1,324$770$434$240$15
44 years$2,115$1,262$723$401$217$12
45 years$2,045$1,204$679$370$197$10
46 years$1,978$1,148$638$342$179$9
47 years$1,914$1,096$599$316$163$7
48 years$1,852$1,046$563$292$148$6
49 years$1,794$999$529$270$134$5
50 years$1,738$954$497$250$122$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,780,000, adding $6,689 every year, while hoping to spend $55,961 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: 68/27/5 Blend
42$1,780,000$1,780,000$1,780,000$1,780,000
43$1,968,460$1,874,120$1,846,530$2,100,730
44$2,109,701$1,906,409$1,848,846$2,221,434
45$2,263,472$1,938,406$1,849,365$2,345,912
46$2,430,994$1,970,036$1,847,967$2,480,495
47$2,613,608$2,001,219$1,844,525$2,626,161
48$2,812,789$2,031,873$1,838,911$2,783,985
49$3,030,164$2,061,905$1,830,985$2,955,152
50$3,267,521$2,091,218$1,820,603$3,140,969
51$3,526,829$2,119,709$1,807,614$3,342,872
52$3,810,256$2,147,265$1,791,860$3,562,448
53$4,120,190$2,173,768$1,773,174$3,801,443
54$4,459,256$2,199,090$1,751,383$4,061,781
55$4,830,350$2,223,096$1,726,304$4,345,583
56$5,236,658$2,245,639$1,697,747$4,655,185
57$5,681,687$2,266,566$1,665,512$4,993,163
58$6,169,303$2,285,711$1,629,390$5,362,355
59$6,703,760$2,302,899$1,589,163$5,765,889
60$7,289,745$2,317,943$1,544,601$6,207,213
61$7,932,420$2,330,643$1,495,466$6,690,125
62$8,637,470$2,340,788$1,441,508$7,218,815
63$9,411,158$2,348,152$1,382,464$7,797,896
64$10,260,381$2,352,496$1,318,061$8,432,456
65$11,192,736$2,353,565$1,248,013$9,128,104
66$12,216,595$2,351,089$1,172,021$9,891,017
67$13,341,176$2,344,782$1,089,772$10,728,010
68$14,576,638$2,334,337$1,000,941$11,646,589
69$15,934,168$2,319,433$905,185$12,655,031
70$17,426,093$2,299,725$802,150$13,762,457
71$19,065,994$2,274,852$691,461$14,978,923
72$20,868,832$2,244,426$572,732$16,315,510
73$22,851,090$2,208,040$445,555$17,784,433
74$25,030,928$2,165,260$309,508$19,399,158
75$27,428,353$2,115,628$164,147$21,174,525
76$30,065,411$2,058,660$9,011$23,126,892
77$32,966,388$1,993,839$0$25,274,289
78$36,158,045$1,920,623$0$27,644,941
79$39,669,868$1,838,436$0$30,253,458
80$43,534,343$1,746,668$0$33,123,531
81$47,787,267$1,644,675$0$36,281,801
82$52,468,080$1,531,776$0$39,757,631
83$57,620,241$1,407,250$0$43,583,383
84$63,291,635$1,270,335$0$47,794,726
85$69,535,027$1,120,226$0$52,430,970
86$76,408,555$956,073$0$57,535,442
87$83,976,284$776,977$0$63,155,895
88$92,308,804$581,987$0$69,344,957
89$101,483,899$370,102$0$76,160,633
90$111,587,281$140,262$0$83,666,853
91$122,713,397$0$0$91,934,074
92$134,966,320$0$0$101,072,232
93$148,460,729$0$0$111,182,319
94$163,322,996$0$0$122,317,359
95$179,692,371$0$0$134,581,697
96$197,722,300$0$0$148,090,319
97$217,581,874$0$0$162,969,931
98$239,457,419$0$0$179,360,156
99$263,554,258$0$0$197,414,855
100$290,098,649$0$0$217,303,571