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

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 $1,780,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$146,991$145,681$144,404$143,157$141,940$139,876
2 years$72,768$71,412$70,099$68,826$67,590$65,516
3 years$48,030$46,669$45,359$44,097$42,882$40,861
4 years$35,663$34,307$33,010$31,770$30,584$28,632
5 years$28,246$26,897$25,617$24,402$23,249$21,372
6 years$23,302$21,963$20,702$19,515$18,396$16,596
7 years$19,772$18,445$17,204$16,044$14,961$13,238
8 years$17,126$15,810$14,590$13,459$12,412$10,766
9 years$15,069$13,766$12,566$11,464$10,453$8,883
10 years$13,424$12,134$10,956$9,882$8,906$7,412
11 years$12,079$10,802$9,645$8,600$7,660$6,239
12 years$10,960$9,695$8,560$7,544$6,638$5,289
13 years$10,013$8,762$7,648$6,660$5,788$4,510
14 years$9,202$7,964$6,871$5,912$5,074$3,863
15 years$8,500$7,275$6,204$5,272$4,467$3,323
16 years$7,886$6,675$5,625$4,721$3,948$2,868
17 years$7,345$6,148$5,118$4,242$3,501$2,482
18 years$6,865$5,681$4,672$3,823$3,113$2,153
19 years$6,436$5,265$4,277$3,454$2,774$1,872
20 years$6,050$4,892$3,926$3,128$2,478$1,630
21 years$5,701$4,557$3,611$2,839$2,218$1,421
22 years$5,384$4,254$3,328$2,581$1,988$1,241
23 years$5,096$3,978$3,073$2,351$1,784$1,085
24 years$4,832$3,728$2,842$2,144$1,604$949
25 years$4,589$3,498$2,632$1,958$1,443$832
26 years$4,366$3,288$2,441$1,790$1,300$729
27 years$4,159$3,094$2,267$1,639$1,172$639
28 years$3,967$2,916$2,107$1,502$1,058$561
29 years$3,789$2,750$1,961$1,377$955$492
30 years$3,623$2,598$1,827$1,264$863$433
31 years$3,468$2,456$1,703$1,161$780$380
32 years$3,324$2,323$1,589$1,067$706$334
33 years$3,188$2,200$1,483$981$639$294
34 years$3,060$2,085$1,386$902$578$258
35 years$2,940$1,978$1,296$831$524$227
36 years$2,827$1,877$1,212$765$475$200
37 years$2,720$1,783$1,135$705$430$176
38 years$2,619$1,695$1,063$650$390$155
39 years$2,524$1,611$995$599$354$136
40 years$2,434$1,533$933$553$321$120
41 years$2,348$1,459$875$510$291$106
42 years$2,266$1,390$821$471$264$93
43 years$2,189$1,324$770$434$240$82
44 years$2,115$1,262$723$401$217$72
45 years$2,045$1,204$679$370$197$63
46 years$1,978$1,148$638$342$179$56
47 years$1,914$1,096$599$316$163$49
48 years$1,852$1,046$563$292$148$43
49 years$1,794$999$529$270$134$38
50 years$1,738$954$497$250$122$34

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 $2,915 every year, while hoping to spend $57,769 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: 80/10/10 Blend
42$1,780,000$1,780,000$1,780,000$1,780,000
43$1,964,567$1,870,227$1,842,637$2,118,315
44$2,103,487$1,900,402$1,842,899$2,249,773
45$2,254,641$1,930,120$1,841,235$2,386,149
46$2,419,215$1,959,297$1,837,517$2,534,093
47$2,598,516$1,987,843$1,831,614$2,694,735
48$2,793,980$2,015,663$1,823,389$2,869,315
49$3,007,190$2,042,655$1,812,697$3,059,204
50$3,239,886$2,068,708$1,799,385$3,265,910
51$3,493,986$2,093,705$1,783,296$3,491,093
52$3,771,597$2,117,522$1,764,261$3,736,583
53$4,075,044$2,140,025$1,742,108$4,004,395
54$4,406,883$2,161,070$1,716,653$4,296,751
55$4,769,929$2,180,506$1,687,705$4,616,097
56$5,167,282$2,198,172$1,655,063$4,965,128
57$5,602,357$2,213,894$1,618,519$5,346,814
58$6,078,911$2,227,489$1,577,854$5,764,428
59$6,601,085$2,238,761$1,532,837$6,221,575
60$7,173,438$2,247,502$1,483,229$6,722,228
61$7,800,990$2,253,491$1,428,779$7,270,765
62$8,489,272$2,256,494$1,369,224$7,872,010
63$9,244,376$2,256,260$1,304,291$8,531,277
64$10,073,010$2,252,524$1,233,692$9,254,426
65$10,982,564$2,245,005$1,157,128$10,047,911
66$11,981,179$2,233,403$1,074,285$10,918,845
67$13,077,822$2,217,403$984,837$11,875,067
68$14,282,372$2,196,668$888,441$12,925,215
69$15,605,710$2,170,840$784,740$14,078,809
70$17,059,824$2,139,543$673,360$15,346,340
71$18,657,921$2,102,376$553,913$16,739,369
72$20,414,551$2,058,915$425,991$18,270,636
73$22,345,744$2,008,710$289,170$19,954,183
74$24,469,158$1,951,286$143,006$21,805,483
75$26,804,252$1,886,138$0$23,841,589
76$29,372,461$1,812,734$0$26,082,679
77$32,197,404$1,730,510$0$28,564,453
78$35,305,104$1,638,869$0$31,294,515
79$38,724,230$1,537,180$0$34,298,075
80$42,486,375$1,424,775$0$37,602,913
81$46,626,346$1,300,949$0$41,239,642
82$51,182,493$1,164,956$0$45,241,994
83$56,197,076$1,016,008$0$49,647,140
84$61,716,657$853,271$0$54,496,044
85$67,792,540$675,865$0$59,833,842
86$74,481,258$482,862$0$65,710,277
87$81,845,102$273,278$0$72,180,160
88$89,952,712$46,077$0$79,303,896
89$98,879,719$0$0$87,148,047
90$108,709,463$0$0$95,807,954
91$119,533,777$0$0$105,349,715
92$131,453,855$0$0$115,857,470
93$144,581,200$0$0$127,429,522
94$159,038,685$0$0$140,174,192
95$174,961,704$0$0$154,210,845
96$192,499,455$0$0$169,671,012
97$211,816,345$0$0$186,699,632
98$233,093,538$0$0$205,456,419
99$256,530,670$0$0$226,117,371
100$282,347,730$0$0$248,876,429