Can I retire at age 43 with 1,800,000?

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 $1,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$148,642$147,318$146,027$144,766$143,535$142,036
2 years$73,585$72,215$70,887$69,599$68,350$66,840
3 years$48,570$47,193$45,868$44,593$43,364$41,891
4 years$36,064$34,692$33,380$32,127$30,928$29,502
5 years$28,563$27,199$25,905$24,676$23,511$22,137
6 years$23,564$22,210$20,935$19,734$18,603$17,283
7 years$19,994$18,652$17,397$16,224$15,129$13,863
8 years$17,318$15,988$14,754$13,610$12,551$11,339
9 years$15,238$13,921$12,708$11,593$10,570$9,411
10 years$13,575$12,270$11,079$9,993$9,006$7,900
11 years$12,215$10,924$9,754$8,697$7,746$6,692
12 years$11,083$9,804$8,656$7,628$6,712$5,709
13 years$10,125$8,860$7,734$6,735$5,853$4,900
14 years$9,305$8,054$6,949$5,978$5,131$4,226
15 years$8,595$7,357$6,274$5,332$4,518$3,659
16 years$7,975$6,750$5,688$4,774$3,993$3,180
17 years$7,428$6,217$5,176$4,289$3,540$2,771
18 years$6,942$5,744$4,725$3,866$3,148$2,422
19 years$6,508$5,324$4,325$3,493$2,806$2,120
20 years$6,118$4,947$3,970$3,163$2,506$1,860
21 years$5,765$4,608$3,651$2,871$2,243$1,634
22 years$5,445$4,302$3,365$2,610$2,010$1,438
23 years$5,153$4,023$3,107$2,377$1,804$1,267
24 years$4,886$3,769$2,874$2,168$1,622$1,117
25 years$4,641$3,537$2,662$1,980$1,459$986
26 years$4,415$3,325$2,468$1,811$1,315$871
27 years$4,206$3,129$2,292$1,657$1,185$770
28 years$4,012$2,948$2,131$1,518$1,069$681
29 years$3,832$2,781$1,983$1,392$966$603
30 years$3,664$2,627$1,847$1,278$873$534
31 years$3,507$2,483$1,722$1,174$789$473
32 years$3,361$2,350$1,607$1,079$714$419
33 years$3,224$2,225$1,500$992$646$372
34 years$3,095$2,109$1,402$913$585$330
35 years$2,973$2,000$1,310$840$530$292
36 years$2,859$1,898$1,226$774$480$259
37 years$2,751$1,803$1,147$713$435$230
38 years$2,649$1,714$1,074$657$394$204
39 years$2,552$1,629$1,007$606$358$181
40 years$2,461$1,550$944$559$324$161
41 years$2,374$1,476$885$516$294$143
42 years$2,292$1,405$830$476$267$127
43 years$2,213$1,339$779$439$242$113
44 years$2,139$1,276$731$406$220$100
45 years$2,068$1,217$686$375$200$89
46 years$2,000$1,161$645$346$181$79
47 years$1,935$1,108$606$320$165$70
48 years$1,873$1,058$569$295$149$62
49 years$1,814$1,010$535$273$136$55
50 years$1,757$965$503$252$123$49

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,800,000, adding $6,603 every year, while hoping to spend $41,289 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: 72/11/17 Blend
42$1,800,000$1,800,000$1,800,000$1,800,000
43$1,990,411$1,895,011$1,867,111$2,125,403
44$2,149,502$1,943,935$1,885,728$2,264,838
45$2,323,436$1,993,873$1,903,585$2,411,861
46$2,513,684$2,044,831$1,920,613$2,571,803
47$2,721,865$2,096,812$1,936,738$2,745,938
48$2,949,762$2,149,823$1,951,885$2,935,667
49$3,199,337$2,203,864$1,965,973$3,142,534
50$3,472,753$2,258,937$1,978,917$3,368,239
51$3,772,391$2,315,042$1,990,628$3,614,656
52$4,100,873$2,372,177$2,001,012$3,883,848
53$4,461,086$2,430,337$2,009,970$4,178,091
54$4,856,211$2,489,519$2,017,398$4,499,888
55$5,289,752$2,549,713$2,023,189$4,852,000
56$5,765,568$2,610,910$2,027,227$5,237,467
57$6,287,910$2,673,098$2,029,393$5,659,639
58$6,861,459$2,736,262$2,029,560$6,122,209
59$7,491,374$2,800,385$2,027,596$6,629,244
60$8,183,337$2,865,447$2,023,363$7,185,225
61$8,943,607$2,931,423$2,016,716$7,795,090
62$9,779,080$2,998,288$2,007,501$8,464,283
63$10,697,353$3,066,011$1,995,559$9,198,798
64$11,706,795$3,134,558$1,980,722$10,005,244
65$12,816,627$3,203,890$1,962,815$10,890,900
66$14,037,008$3,273,965$1,941,654$11,863,792
67$15,379,129$3,344,737$1,917,047$12,932,759
68$16,855,324$3,416,151$1,888,791$14,107,545
69$18,479,176$3,488,153$1,856,675$15,398,887
70$20,265,657$3,560,677$1,820,479$16,818,616
71$22,231,260$3,633,656$1,779,970$18,379,769
72$24,394,157$3,707,014$1,734,908$20,096,716
73$26,774,372$3,780,668$1,685,038$21,985,289
74$29,393,967$3,854,530$1,630,096$24,062,938
75$32,277,252$3,928,502$1,569,804$26,348,891
76$35,451,012$4,002,480$1,503,874$28,864,338
77$38,944,763$4,076,349$1,432,001$31,632,632
78$42,791,026$4,149,986$1,353,870$34,679,505
79$47,025,635$4,223,260$1,269,149$38,033,319
80$51,688,076$4,296,027$1,177,492$41,725,326
81$56,821,861$4,368,133$1,078,539$45,789,968
82$62,474,931$4,439,412$971,911$50,265,200
83$68,700,119$4,509,687$857,214$55,192,850
84$75,555,636$4,578,768$734,036$60,619,013
85$83,105,632$4,646,448$601,947$66,594,488
86$91,420,792$4,712,509$460,497$73,175,257
87$100,579,007$4,776,717$309,219$80,423,012
88$110,666,109$4,838,819$147,621$88,405,740
89$121,776,679$4,898,548$0$97,198,365
90$134,014,939$4,955,616$0$106,887,962
91$147,495,739$5,009,718$0$117,589,885
92$162,345,636$5,060,525$0$129,377,708
93$178,704,090$5,107,690$0$142,362,043
94$196,724,782$5,150,841$0$156,664,783
95$216,577,059$5,189,582$0$172,420,249
96$238,447,539$5,223,491$0$189,776,462
97$262,541,865$5,252,120$0$208,896,535
98$289,086,652$5,274,991$0$229,960,217
99$318,331,622$5,291,596$0$253,165,588
100$350,551,959$5,301,396$0$278,730,929