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

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 $1,790,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$147,817$146,500$145,215$143,961$142,737$141,778
2 years$73,176$71,814$70,493$69,212$67,970$67,003
3 years$48,300$46,931$45,614$44,345$43,123$42,178
4 years$35,864$34,499$33,195$31,948$30,756$29,839
5 years$28,404$27,048$25,761$24,539$23,380$22,495
6 years$23,433$22,087$20,818$19,624$18,500$17,648
7 years$19,883$18,548$17,300$16,134$15,045$14,227
8 years$17,222$15,899$14,672$13,534$12,482$11,696
9 years$15,153$13,843$12,637$11,528$10,511$9,759
10 years$13,500$12,202$11,017$9,938$8,956$8,237
11 years$12,147$10,863$9,699$8,649$7,703$7,015
12 years$11,021$9,750$8,608$7,586$6,675$6,019
13 years$10,069$8,811$7,691$6,697$5,821$5,196
14 years$9,254$8,009$6,910$5,945$5,102$4,508
15 years$8,548$7,316$6,239$5,302$4,492$3,927
16 years$7,930$6,713$5,656$4,747$3,970$3,434
17 years$7,386$6,182$5,147$4,265$3,520$3,012
18 years$6,903$5,713$4,699$3,844$3,130$2,648
19 years$6,472$5,294$4,301$3,473$2,790$2,334
20 years$6,084$4,920$3,948$3,146$2,492$2,061
21 years$5,733$4,583$3,631$2,855$2,230$1,823
22 years$5,415$4,278$3,347$2,596$1,999$1,615
23 years$5,125$4,001$3,090$2,364$1,794$1,432
24 years$4,859$3,748$2,858$2,156$1,613$1,272
25 years$4,615$3,518$2,647$1,969$1,451$1,131
26 years$4,390$3,306$2,455$1,801$1,307$1,006
27 years$4,182$3,111$2,279$1,648$1,179$896
28 years$3,990$2,932$2,119$1,510$1,064$798
29 years$3,810$2,766$1,972$1,385$960$712
30 years$3,644$2,612$1,837$1,271$868$635
31 years$3,488$2,469$1,712$1,167$785$566
32 years$3,342$2,336$1,598$1,073$710$506
33 years$3,206$2,213$1,492$986$642$452
34 years$3,077$2,097$1,394$908$581$404
35 years$2,957$1,989$1,303$835$527$361
36 years$2,843$1,888$1,219$769$477$323
37 years$2,736$1,793$1,141$709$432$288
38 years$2,634$1,704$1,069$653$392$258
39 years$2,538$1,620$1,001$602$356$231
40 years$2,447$1,542$938$556$323$206
41 years$2,361$1,468$880$513$293$185
42 years$2,279$1,398$825$473$265$165
43 years$2,201$1,332$774$437$241$148
44 years$2,127$1,269$727$403$219$133
45 years$2,056$1,210$683$372$199$119
46 years$1,989$1,155$641$344$180$106
47 years$1,924$1,102$602$318$164$95
48 years$1,863$1,052$566$294$149$85
49 years$1,804$1,005$532$271$135$76
50 years$1,748$960$500$251$123$68

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 $4,964 every year, while hoping to spend $43,769 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: 66/17/17 Blend
42$1,790,000$1,790,000$1,790,000$1,790,000
43$1,977,700$1,882,830$1,855,085$2,099,699
44$2,132,856$1,928,519$1,870,661$2,227,636
45$2,302,370$1,974,980$1,885,291$2,361,902
46$2,487,662$2,022,204$1,898,898$2,507,604
47$2,690,293$2,070,181$1,911,401$2,665,860
48$2,911,982$2,118,899$1,922,712$2,837,905
49$3,154,623$2,168,344$1,932,741$3,025,097
50$3,420,300$2,218,498$1,941,393$3,228,933
51$3,711,309$2,269,343$1,948,569$3,451,061
52$4,030,178$2,320,856$1,954,162$3,693,299
53$4,379,692$2,373,014$1,958,062$3,957,647
54$4,762,917$2,425,788$1,960,153$4,246,311
55$5,183,231$2,479,148$1,960,315$4,561,720
56$5,644,353$2,533,059$1,958,418$4,906,552
57$6,150,382$2,587,484$1,954,329$5,283,757
58$6,705,830$2,642,379$1,947,909$5,696,585
59$7,315,669$2,697,700$1,939,008$6,148,619
60$7,985,376$2,753,396$1,927,473$6,643,806
61$8,720,983$2,809,412$1,913,143$7,186,496
62$9,529,137$2,865,687$1,895,847$7,781,481
63$10,417,159$2,922,155$1,875,408$8,434,045
64$11,393,115$2,978,747$1,851,639$9,150,008
65$12,465,890$3,035,383$1,824,347$9,935,786
66$13,645,275$3,091,981$1,793,327$10,798,448
67$14,942,055$3,148,450$1,758,366$11,745,786
68$16,368,113$3,204,693$1,719,239$12,786,385
69$17,936,541$3,260,603$1,675,714$13,929,709
70$19,661,763$3,316,067$1,627,545$15,186,184
71$21,559,673$3,370,964$1,574,477$16,567,305
72$23,647,779$3,425,162$1,516,243$18,085,736
73$25,945,377$3,478,519$1,452,561$19,755,436
74$28,473,724$3,530,885$1,383,140$21,591,788
75$31,256,243$3,582,097$1,307,675$23,611,746
76$34,318,742$3,631,982$1,225,844$25,833,993
77$37,689,658$3,680,354$1,137,314$28,279,122
78$41,400,326$3,727,013$1,041,736$30,969,825
79$45,485,270$3,771,748$938,746$33,931,112
80$49,982,536$3,814,332$827,962$37,190,547
81$54,934,042$3,854,522$708,986$40,778,504
82$60,385,981$3,892,060$581,404$44,728,462
83$66,389,250$3,926,670$444,780$49,077,316
84$72,999,936$3,958,058$298,662$53,865,725
85$80,279,839$3,985,913$142,577$59,138,501
86$88,297,061$4,009,901$0$64,945,029
87$97,126,642$4,029,668$0$71,344,087
88$106,851,275$4,044,836$0$78,419,186
89$117,562,078$4,055,006$0$86,210,639
90$129,359,459$4,059,751$0$94,791,398
91$142,354,065$4,058,620$0$104,241,857
92$156,667,818$4,051,131$0$114,650,606
93$172,435,074$4,036,775$0$126,115,273
94$189,803,885$4,015,010$0$138,743,442
95$208,937,398$3,985,262$0$152,653,671
96$230,015,395$3,946,923$0$167,976,610
97$253,235,989$3,899,346$0$184,856,234
98$278,817,493$3,841,846$0$203,451,203
99$307,000,480$3,773,700$0$223,936,362
100$338,050,055$3,694,138$0$246,504,389