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

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 $1,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$148,642$147,318$146,027$144,766$143,535$142,870
2 years$73,585$72,215$70,887$69,599$68,350$67,679
3 years$48,570$47,193$45,868$44,593$43,364$42,707
4 years$36,064$34,692$33,380$32,127$30,928$30,290
5 years$28,563$27,199$25,905$24,676$23,511$22,895
6 years$23,564$22,210$20,935$19,734$18,603$18,010
7 years$19,994$18,652$17,397$16,224$15,129$14,559
8 years$17,318$15,988$14,754$13,610$12,551$12,003
9 years$15,238$13,921$12,708$11,593$10,570$10,044
10 years$13,575$12,270$11,079$9,993$9,006$8,503
11 years$12,215$10,924$9,754$8,697$7,746$7,264
12 years$11,083$9,804$8,656$7,628$6,712$6,252
13 years$10,125$8,860$7,734$6,735$5,853$5,414
14 years$9,305$8,054$6,949$5,978$5,131$4,713
15 years$8,595$7,357$6,274$5,332$4,518$4,119
16 years$7,975$6,750$5,688$4,774$3,993$3,614
17 years$7,428$6,217$5,176$4,289$3,540$3,181
18 years$6,942$5,744$4,725$3,866$3,148$2,807
19 years$6,508$5,324$4,325$3,493$2,806$2,482
20 years$6,118$4,947$3,970$3,163$2,506$2,200
21 years$5,765$4,608$3,651$2,871$2,243$1,953
22 years$5,445$4,302$3,365$2,610$2,010$1,737
23 years$5,153$4,023$3,107$2,377$1,804$1,546
24 years$4,886$3,769$2,874$2,168$1,622$1,378
25 years$4,641$3,537$2,662$1,980$1,459$1,230
26 years$4,415$3,325$2,468$1,811$1,315$1,098
27 years$4,206$3,129$2,292$1,657$1,185$982
28 years$4,012$2,948$2,131$1,518$1,069$878
29 years$3,832$2,781$1,983$1,392$966$786
30 years$3,664$2,627$1,847$1,278$873$704
31 years$3,507$2,483$1,722$1,174$789$631
32 years$3,361$2,350$1,607$1,079$714$566
33 years$3,224$2,225$1,500$992$646$507
34 years$3,095$2,109$1,402$913$585$455
35 years$2,973$2,000$1,310$840$530$409
36 years$2,859$1,898$1,226$774$480$367
37 years$2,751$1,803$1,147$713$435$329
38 years$2,649$1,714$1,074$657$394$296
39 years$2,552$1,629$1,007$606$358$266
40 years$2,461$1,550$944$559$324$239
41 years$2,374$1,476$885$516$294$215
42 years$2,292$1,405$830$476$267$193
43 years$2,213$1,339$779$439$242$173
44 years$2,139$1,276$731$406$220$156
45 years$2,068$1,217$686$375$200$140
46 years$2,000$1,161$645$346$181$126
47 years$1,935$1,108$606$320$165$113
48 years$1,873$1,058$569$295$149$102
49 years$1,814$1,010$535$273$136$92
50 years$1,757$965$503$252$123$83

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 $5,932 every year, while hoping to spend $54,298 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: 58/23/19 Blend
42$1,800,000$1,800,000$1,800,000$1,800,000
43$1,989,719$1,894,319$1,866,419$2,094,820
44$2,134,898$1,929,368$1,871,171$2,201,909
45$2,293,065$1,964,314$1,874,263$2,312,181
46$2,465,488$1,999,096$1,875,581$2,431,182
47$2,653,561$2,033,646$1,875,007$2,559,763
48$2,858,821$2,067,891$1,872,417$2,698,864
49$3,082,958$2,101,755$1,867,679$2,849,521
50$3,327,831$2,135,152$1,860,658$3,012,877
51$3,595,489$2,167,994$1,851,209$3,190,190
52$3,888,187$2,200,184$1,839,183$3,382,849
53$4,208,408$2,231,619$1,824,422$3,592,387
54$4,558,886$2,262,188$1,806,760$3,820,490
55$4,942,631$2,291,774$1,786,025$4,069,022
56$5,362,959$2,320,250$1,762,036$4,340,035
57$5,823,519$2,347,481$1,734,603$4,635,792
58$6,328,333$2,373,323$1,703,527$4,958,791
59$6,881,829$2,397,621$1,668,601$5,311,783
60$7,488,883$2,420,213$1,629,607$5,697,804
61$8,154,868$2,440,922$1,586,318$6,120,201
62$8,885,700$2,459,563$1,538,495$6,582,663
63$9,687,897$2,475,936$1,485,890$7,089,260
64$10,568,637$2,489,832$1,428,242$7,644,478
65$11,535,828$2,501,024$1,365,279$8,253,265
66$12,598,183$2,509,275$1,296,716$8,921,075
67$13,765,298$2,514,329$1,222,255$9,653,922
68$15,047,744$2,515,917$1,141,587$10,458,438
69$16,457,169$2,513,752$1,054,385$11,341,935
70$18,006,404$2,507,529$960,311$12,312,473
71$19,709,584$2,496,926$859,008$13,378,940
72$21,582,285$2,481,599$750,108$14,551,137
73$23,641,664$2,461,183$633,223$15,839,865
74$25,906,627$2,435,294$507,949$17,257,036
75$28,398,002$2,403,522$373,864$18,815,782
76$31,138,737$2,365,434$230,528$20,530,580
77$34,154,117$2,320,569$77,480$22,417,390
78$37,472,002$2,268,442$0$24,493,807
79$41,123,088$2,208,537$0$26,796,633
80$45,141,195$2,140,308$0$29,347,741
81$49,563,592$2,063,178$0$32,155,086
82$54,431,340$1,976,535$0$35,244,766
83$59,789,685$1,879,733$0$38,645,543
84$65,688,480$1,772,088$0$42,389,116
85$72,182,661$1,652,876$0$46,510,422
86$79,332,757$1,521,332$0$51,047,964
87$87,205,469$1,376,648$0$56,044,178
88$95,874,292$1,217,968$0$61,545,832
89$105,420,211$1,044,390$0$67,604,471
90$115,932,466$854,959$0$74,276,901
91$127,509,392$648,666$0$81,625,731
92$140,259,347$424,448$0$89,719,960
93$154,301,733$181,178$0$98,635,634
94$169,768,124$0$0$108,456,561
95$186,803,507$0$0$119,295,946
96$205,567,649$0$0$131,286,041
97$226,236,604$0$0$144,493,516
98$249,004,375$0$0$159,042,367
99$274,084,746$0$0$175,069,232
100$301,713,296$0$0$192,724,680