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%18.4%
1 years$146,991$145,681$144,404$143,157$141,940$137,122
2 years$72,768$71,412$70,099$68,826$67,590$62,785
3 years$48,030$46,669$45,359$44,097$42,882$38,240
4 years$35,663$34,307$33,010$31,770$30,584$26,140
5 years$28,246$26,897$25,617$24,402$23,249$19,016
6 years$23,302$21,963$20,702$19,515$18,396$14,377
7 years$19,772$18,445$17,204$16,044$14,961$11,155
8 years$17,126$15,810$14,590$13,459$12,412$8,816
9 years$15,069$13,766$12,566$11,464$10,453$7,062
10 years$13,424$12,134$10,956$9,882$8,906$5,716
11 years$12,079$10,802$9,645$8,600$7,660$4,664
12 years$10,960$9,695$8,560$7,544$6,638$3,829
13 years$10,013$8,762$7,648$6,660$5,788$3,159
14 years$9,202$7,964$6,871$5,912$5,074$2,617
15 years$8,500$7,275$6,204$5,272$4,467$2,176
16 years$7,886$6,675$5,625$4,721$3,948$1,813
17 years$7,345$6,148$5,118$4,242$3,501$1,514
18 years$6,865$5,681$4,672$3,823$3,113$1,267
19 years$6,436$5,265$4,277$3,454$2,774$1,062
20 years$6,050$4,892$3,926$3,128$2,478$891
21 years$5,701$4,557$3,611$2,839$2,218$749
22 years$5,384$4,254$3,328$2,581$1,988$629
23 years$5,096$3,978$3,073$2,351$1,784$529
24 years$4,832$3,728$2,842$2,144$1,604$446
25 years$4,589$3,498$2,632$1,958$1,443$375
26 years$4,366$3,288$2,441$1,790$1,300$316
27 years$4,159$3,094$2,267$1,639$1,172$267
28 years$3,967$2,916$2,107$1,502$1,058$225
29 years$3,789$2,750$1,961$1,377$955$190
30 years$3,623$2,598$1,827$1,264$863$160
31 years$3,468$2,456$1,703$1,161$780$135
32 years$3,324$2,323$1,589$1,067$706$114
33 years$3,188$2,200$1,483$981$639$96
34 years$3,060$2,085$1,386$902$578$81
35 years$2,940$1,978$1,296$831$524$69
36 years$2,827$1,877$1,212$765$475$58
37 years$2,720$1,783$1,135$705$430$49
38 years$2,619$1,695$1,063$650$390$41
39 years$2,524$1,611$995$599$354$35
40 years$2,434$1,533$933$553$321$29
41 years$2,348$1,459$875$510$291$25
42 years$2,266$1,390$821$471$264$21
43 years$2,189$1,324$770$434$240$18
44 years$2,115$1,262$723$401$217$15
45 years$2,045$1,204$679$370$197$13
46 years$1,978$1,148$638$342$179$11
47 years$1,914$1,096$599$316$163$9
48 years$1,852$1,046$563$292$148$8
49 years$1,794$999$529$270$134$6
50 years$1,738$954$497$250$122$5

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 $6,316 every year, while hoping to spend $32,133 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: 58/19/23 Blend
42$1,780,000$1,780,000$1,780,000$1,780,000
43$1,968,075$1,873,735$1,846,145$2,069,711
44$2,134,629$1,931,359$1,873,802$2,197,325
45$2,317,095$1,990,729$1,901,308$2,332,404
46$2,517,062$2,051,898$1,928,624$2,478,984
47$2,736,279$2,114,918$1,955,710$2,638,185
48$2,976,675$2,179,844$1,982,522$2,811,240
49$3,240,371$2,246,732$2,009,012$2,999,505
50$3,529,708$2,315,640$2,035,132$3,204,476
51$3,847,259$2,386,627$2,060,830$3,427,798
52$4,195,862$2,459,755$2,086,051$3,671,283
53$4,578,643$2,535,086$2,110,736$3,936,928
54$4,999,043$2,612,684$2,134,825$4,226,932
55$5,460,856$2,692,616$2,158,252$4,543,716
56$5,968,259$2,774,949$2,180,949$4,889,948
57$6,525,854$2,859,755$2,202,843$5,268,567
58$7,138,712$2,947,104$2,223,860$5,682,810
59$7,812,420$3,037,071$2,243,918$6,136,242
60$8,553,131$3,129,731$2,262,933$6,632,794
61$9,367,625$3,225,163$2,280,816$7,176,792
62$10,263,373$3,323,446$2,297,474$7,773,006
63$11,248,605$3,424,663$2,312,807$8,426,689
64$12,332,389$3,528,899$2,326,713$9,143,629
65$13,524,717$3,636,239$2,339,082$9,930,204
66$14,836,597$3,746,773$2,349,800$10,793,440
67$16,280,158$3,860,593$2,358,746$11,741,081
68$17,868,764$3,977,792$2,365,794$12,781,656
69$19,617,141$4,098,467$2,370,811$13,924,566
70$21,541,514$4,222,716$2,373,658$15,180,167
71$23,659,760$4,350,641$2,374,188$16,559,872
72$25,991,580$4,482,347$2,372,248$18,076,257
73$28,558,679$4,617,940$2,367,676$19,743,177
74$31,384,975$4,757,529$2,360,303$21,575,903
75$34,496,822$4,901,228$2,349,953$23,591,260
76$37,923,261$5,049,151$2,336,440$25,807,787
77$41,696,291$5,201,417$2,319,568$28,245,916
78$45,851,173$5,358,147$2,299,134$30,928,160
79$50,426,762$5,519,466$2,274,924$33,879,326
80$55,465,872$5,685,500$2,246,714$37,126,753
81$61,015,683$5,856,380$2,214,271$40,700,567
82$67,128,180$6,032,241$2,177,347$44,633,963
83$73,860,654$6,213,220$2,135,687$48,963,525
84$81,276,229$6,399,456$2,089,021$53,729,566
85$89,444,469$6,591,095$2,037,068$58,976,508
86$98,442,029$6,788,282$1,979,534$64,753,306
87$108,353,378$6,991,170$1,916,110$71,113,907
88$119,271,598$7,199,913$1,846,476$78,117,760
89$131,299,261$7,414,669$1,770,292$85,830,376
90$144,549,398$7,635,599$1,687,209$94,323,949
91$159,146,562$7,862,870$1,596,857$103,678,034
92$175,228,012$8,096,651$1,498,851$113,980,304
93$192,944,997$8,337,114$1,392,791$125,327,372
94$212,464,191$8,584,438$1,278,254$137,825,703
95$233,969,266$8,838,803$1,154,803$151,592,626
96$257,662,621$9,100,394$1,021,979$166,757,435
97$283,767,296$9,369,401$879,302$183,462,611
98$312,529,075$9,646,016$726,274$201,865,171
99$344,218,807$9,930,437$562,370$222,138,145
100$379,134,962$10,222,865$387,046$244,472,215