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%13.1%
1 years$147,817$146,500$145,215$143,961$142,737$140,895
2 years$73,176$71,814$70,493$69,212$67,970$66,117
3 years$48,300$46,931$45,614$44,345$43,123$41,316
4 years$35,864$34,499$33,195$31,948$30,756$29,009
5 years$28,404$27,048$25,761$24,539$23,380$21,699
6 years$23,433$22,087$20,818$19,624$18,500$16,886
7 years$19,883$18,548$17,300$16,134$15,045$13,500
8 years$17,222$15,899$14,672$13,534$12,482$11,004
9 years$15,153$13,843$12,637$11,528$10,511$9,101
10 years$13,500$12,202$11,017$9,938$8,956$7,612
11 years$12,147$10,863$9,699$8,649$7,703$6,424
12 years$11,021$9,750$8,608$7,586$6,675$5,459
13 years$10,069$8,811$7,691$6,697$5,821$4,667
14 years$9,254$8,009$6,910$5,945$5,102$4,009
15 years$8,548$7,316$6,239$5,302$4,492$3,458
16 years$7,930$6,713$5,656$4,747$3,970$2,992
17 years$7,386$6,182$5,147$4,265$3,520$2,597
18 years$6,903$5,713$4,699$3,844$3,130$2,259
19 years$6,472$5,294$4,301$3,473$2,790$1,970
20 years$6,084$4,920$3,948$3,146$2,492$1,720
21 years$5,733$4,583$3,631$2,855$2,230$1,505
22 years$5,415$4,278$3,347$2,596$1,999$1,318
23 years$5,125$4,001$3,090$2,364$1,794$1,156
24 years$4,859$3,748$2,858$2,156$1,613$1,015
25 years$4,615$3,518$2,647$1,969$1,451$891
26 years$4,390$3,306$2,455$1,801$1,307$784
27 years$4,182$3,111$2,279$1,648$1,179$690
28 years$3,990$2,932$2,119$1,510$1,064$607
29 years$3,810$2,766$1,972$1,385$960$535
30 years$3,644$2,612$1,837$1,271$868$471
31 years$3,488$2,469$1,712$1,167$785$415
32 years$3,342$2,336$1,598$1,073$710$366
33 years$3,206$2,213$1,492$986$642$323
34 years$3,077$2,097$1,394$908$581$285
35 years$2,957$1,989$1,303$835$527$252
36 years$2,843$1,888$1,219$769$477$222
37 years$2,736$1,793$1,141$709$432$196
38 years$2,634$1,704$1,069$653$392$173
39 years$2,538$1,620$1,001$602$356$153
40 years$2,447$1,542$938$556$323$135
41 years$2,361$1,468$880$513$293$119
42 years$2,279$1,398$825$473$265$105
43 years$2,201$1,332$774$437$241$93
44 years$2,127$1,269$727$403$219$82
45 years$2,056$1,210$683$372$199$73
46 years$1,989$1,155$641$344$180$64
47 years$1,924$1,102$602$318$164$57
48 years$1,863$1,052$566$294$149$50
49 years$1,804$1,005$532$271$135$44
50 years$1,748$960$500$251$123$39

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 $2,031 every year, while hoping to spend $57,180 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: 47/32/21 Blend
42$1,790,000$1,790,000$1,790,000$1,790,000
43$1,974,675$1,879,805$1,852,060$2,055,590
44$2,115,253$1,911,076$1,853,265$2,143,606
45$2,268,253$1,941,964$1,852,594$2,233,209
46$2,434,883$1,972,387$1,849,923$2,329,286
47$2,616,469$2,002,263$1,845,124$2,432,468
48$2,814,474$2,031,499$1,838,061$2,543,453
49$3,030,507$2,059,999$1,828,592$2,663,009
50$3,266,336$2,087,656$1,816,568$2,791,987
51$3,523,912$2,114,361$1,801,832$2,931,325
52$3,805,379$2,139,993$1,784,222$3,082,059
53$4,113,100$2,164,425$1,763,566$3,245,331
54$4,449,675$2,187,521$1,739,684$3,422,406
55$4,817,968$2,209,135$1,712,389$3,614,675
56$5,221,130$2,229,112$1,681,484$3,823,678
57$5,662,635$2,247,288$1,646,763$4,051,113
58$6,146,305$2,263,487$1,608,011$4,298,855
59$6,676,351$2,277,520$1,565,003$4,568,973
60$7,257,410$2,289,190$1,517,501$4,863,750
61$7,894,590$2,298,284$1,465,261$5,185,708
62$8,593,514$2,304,577$1,408,024$5,537,628
63$9,360,380$2,307,828$1,345,520$5,922,581
64$10,202,012$2,307,785$1,277,468$6,343,955
65$11,125,926$2,304,175$1,203,572$6,805,490
66$12,140,404$2,296,713$1,123,526$7,311,311
67$13,254,567$2,285,094$1,037,006$7,865,970
68$14,478,464$2,268,995$943,676$8,474,491
69$15,823,164$2,248,072$843,186$9,142,417
70$17,300,863$2,221,963$735,169$9,875,863
71$18,924,994$2,190,283$619,240$10,681,573
72$20,710,359$2,152,622$495,000$11,566,992
73$22,673,264$2,108,549$362,031$12,540,328
74$24,831,675$2,057,606$219,897$13,610,640
75$27,205,384$1,999,307$68,142$14,787,916
76$29,816,199$1,933,140$0$16,083,177
77$32,688,148$1,858,559$0$17,529,598
78$35,847,702$1,774,992$0$19,137,224
79$39,324,029$1,681,828$0$20,905,675
80$43,149,268$1,578,425$0$22,851,378
81$47,358,827$1,464,103$0$24,992,445
82$51,991,725$1,338,140$0$27,348,841
83$57,090,950$1,199,779$0$29,942,577
84$62,703,872$1,048,213$0$32,797,916
85$68,882,686$882,595$0$35,941,606
86$75,684,905$702,026$0$39,403,134
87$83,173,899$505,560$0$43,215,002
88$91,419,499$292,194$0$47,413,040
89$100,498,648$60,872$0$52,036,747
90$110,496,133$0$0$57,129,659
91$121,505,380$0$0$62,806,506
92$133,629,338$0$0$69,082,020
93$146,981,447$0$0$75,993,518
94$161,686,712$0$0$83,605,740
95$177,882,878$0$0$91,990,026
96$195,721,733$0$0$101,224,990
97$215,370,537$0$0$111,397,257
98$237,013,602$0$0$122,602,286
99$260,854,032$0$0$134,945,267
100$287,115,634$0$0$148,542,115