Can I retire at age 43 with 1,790,000?

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 $1,790,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$147,817$146,500$145,215$143,961$142,737$141,838
2 years$73,176$71,814$70,493$69,212$67,970$67,063
3 years$48,300$46,931$45,614$44,345$43,123$42,236
4 years$35,864$34,499$33,195$31,948$30,756$29,896
5 years$28,404$27,048$25,761$24,539$23,380$22,550
6 years$23,433$22,087$20,818$19,624$18,500$17,700
7 years$19,883$18,548$17,300$16,134$15,045$14,277
8 years$17,222$15,899$14,672$13,534$12,482$11,744
9 years$15,153$13,843$12,637$11,528$10,511$9,805
10 years$13,500$12,202$11,017$9,938$8,956$8,280
11 years$12,147$10,863$9,699$8,649$7,703$7,057
12 years$11,021$9,750$8,608$7,586$6,675$6,058
13 years$10,069$8,811$7,691$6,697$5,821$5,233
14 years$9,254$8,009$6,910$5,945$5,102$4,543
15 years$8,548$7,316$6,239$5,302$4,492$3,961
16 years$7,930$6,713$5,656$4,747$3,970$3,465
17 years$7,386$6,182$5,147$4,265$3,520$3,041
18 years$6,903$5,713$4,699$3,844$3,130$2,676
19 years$6,472$5,294$4,301$3,473$2,790$2,360
20 years$6,084$4,920$3,948$3,146$2,492$2,086
21 years$5,733$4,583$3,631$2,855$2,230$1,846
22 years$5,415$4,278$3,347$2,596$1,999$1,637
23 years$5,125$4,001$3,090$2,364$1,794$1,453
24 years$4,859$3,748$2,858$2,156$1,613$1,291
25 years$4,615$3,518$2,647$1,969$1,451$1,149
26 years$4,390$3,306$2,455$1,801$1,307$1,023
27 years$4,182$3,111$2,279$1,648$1,179$911
28 years$3,990$2,932$2,119$1,510$1,064$813
29 years$3,810$2,766$1,972$1,385$960$725
30 years$3,644$2,612$1,837$1,271$868$647
31 years$3,488$2,469$1,712$1,167$785$578
32 years$3,342$2,336$1,598$1,073$710$517
33 years$3,206$2,213$1,492$986$642$462
34 years$3,077$2,097$1,394$908$581$413
35 years$2,957$1,989$1,303$835$527$369
36 years$2,843$1,888$1,219$769$477$331
37 years$2,736$1,793$1,141$709$432$296
38 years$2,634$1,704$1,069$653$392$265
39 years$2,538$1,620$1,001$602$356$237
40 years$2,447$1,542$938$556$323$212
41 years$2,361$1,468$880$513$293$190
42 years$2,279$1,398$825$473$265$170
43 years$2,201$1,332$774$437$241$153
44 years$2,127$1,269$727$403$219$137
45 years$2,056$1,210$683$372$199$123
46 years$1,989$1,155$641$344$180$110
47 years$1,924$1,102$602$318$164$98
48 years$1,863$1,052$566$294$149$88
49 years$1,804$1,005$532$271$135$79
50 years$1,748$960$500$251$123$71

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,790,000, adding $3,736 every year, while hoping to spend $46,813 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: 44/27/29 Blend
42$1,790,000$1,790,000$1,790,000$1,790,000
43$1,976,434$1,881,564$1,853,819$2,046,604
44$2,128,221$1,923,952$1,866,113$2,139,533
45$2,293,922$1,966,848$1,877,250$2,235,472
46$2,474,906$2,010,227$1,887,142$2,338,588
47$2,672,681$2,054,063$1,895,696$2,449,578
48$2,888,907$2,098,325$1,902,814$2,569,208
49$3,125,412$2,142,979$1,908,395$2,698,325
50$3,384,209$2,187,989$1,912,330$2,837,863
51$3,667,512$2,233,315$1,914,508$2,988,849
52$3,977,764$2,278,912$1,914,809$3,152,421
53$4,317,650$2,324,733$1,913,109$3,329,830
54$4,690,130$2,370,725$1,909,278$3,522,457
55$5,098,464$2,416,831$1,903,180$3,731,826
56$5,546,241$2,462,990$1,894,670$3,959,616
57$6,037,415$2,509,134$1,883,599$4,207,682
58$6,576,340$2,555,191$1,869,809$4,478,067
59$7,167,814$2,601,082$1,853,134$4,773,026
60$7,817,120$2,646,724$1,833,403$5,095,044
61$8,530,078$2,692,025$1,810,434$5,446,864
62$9,313,100$2,736,888$1,784,037$5,831,511
63$10,173,247$2,781,207$1,754,014$6,252,320
64$11,118,302$2,824,869$1,720,157$6,712,968
65$12,156,834$2,867,754$1,682,248$7,217,514
66$13,298,288$2,909,730$1,640,059$7,770,431
67$14,553,066$2,950,659$1,593,354$8,376,652
68$15,932,629$2,990,392$1,541,882$9,041,618
69$17,449,605$3,028,769$1,485,382$9,771,329
70$19,117,905$3,065,620$1,423,584$10,572,401
71$20,952,858$3,100,762$1,356,200$11,452,129
72$22,971,352$3,134,001$1,282,935$12,418,558
73$25,191,993$3,165,130$1,203,476$13,480,558
74$27,635,282$3,193,928$1,117,499$14,647,909
75$30,323,809$3,220,158$1,024,663$15,931,397
76$33,282,462$3,243,570$924,614$17,342,911
77$36,538,665$3,263,897$816,980$18,895,564
78$40,122,634$3,280,853$701,374$20,603,809
79$44,067,665$3,294,137$577,392$22,483,583
80$48,410,442$3,303,426$444,611$24,552,459
81$53,191,392$3,308,378$302,590$26,829,807
82$58,455,055$3,308,630$150,868$29,336,986
83$64,250,514$3,303,795$0$32,097,539
84$70,631,850$3,293,465$0$35,140,844
85$77,658,657$3,277,204$0$38,542,139
86$85,396,604$3,254,550$0$42,286,401
87$93,918,048$3,225,014$0$46,408,575
88$103,302,727$3,188,077$0$50,947,175
89$113,638,501$3,143,189$0$55,944,648
90$125,022,190$3,089,767$0$61,447,771
91$137,560,480$3,027,192$0$67,508,099
92$151,370,936$2,954,812$0$74,182,450
93$166,583,106$2,871,932$0$81,533,440
94$183,339,746$2,777,820$0$89,630,081
95$201,798,165$2,671,698$0$98,548,428
96$222,131,713$2,552,747$0$108,372,299
97$244,531,413$2,420,096$0$119,194,069
98$269,207,763$2,272,827$0$131,115,544
99$296,392,726$2,109,966$0$144,248,920
100$326,341,917$1,930,488$0$158,717,847