Can I retire at age 43 with 1,810,000?

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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$149,468$148,137$146,838$145,570$144,332$138,660
2 years$73,994$72,616$71,280$69,986$68,729$63,085
3 years$48,839$47,455$46,123$44,840$43,605$38,165
4 years$36,265$34,885$33,566$32,305$31,099$25,905
5 years$28,722$27,350$26,048$24,813$23,641$18,707
6 years$23,695$22,333$21,051$19,843$18,706$14,034
7 years$20,105$18,756$17,494$16,314$15,213$10,802
8 years$17,414$16,077$14,836$13,686$12,621$8,466
9 years$15,323$13,998$12,778$11,657$10,629$6,724
10 years$13,650$12,338$11,140$10,049$9,056$5,395
11 years$12,283$10,984$9,808$8,745$7,789$4,361
12 years$11,144$9,859$8,704$7,671$6,749$3,547
13 years$10,182$8,909$7,777$6,772$5,886$2,899
14 years$9,357$8,098$6,987$6,012$5,159$2,379
15 years$8,643$7,398$6,309$5,361$4,543$1,957
16 years$8,019$6,788$5,720$4,800$4,015$1,615
17 years$7,469$6,251$5,205$4,313$3,560$1,335
18 years$6,980$5,776$4,751$3,887$3,165$1,105
19 years$6,544$5,353$4,349$3,512$2,821$917
20 years$6,152$4,975$3,992$3,181$2,520$761
21 years$5,797$4,634$3,672$2,887$2,255$632
22 years$5,475$4,325$3,384$2,625$2,021$526
23 years$5,182$4,045$3,124$2,391$1,815$437
24 years$4,913$3,790$2,890$2,180$1,631$364
25 years$4,666$3,557$2,676$1,991$1,468$303
26 years$4,439$3,343$2,482$1,821$1,322$253
27 years$4,229$3,146$2,305$1,666$1,192$211
28 years$4,034$2,965$2,143$1,527$1,075$176
29 years$3,853$2,797$1,994$1,400$971$146
30 years$3,684$2,641$1,857$1,285$877$122
31 years$3,527$2,497$1,732$1,180$793$102
32 years$3,380$2,363$1,616$1,085$718$85
33 years$3,241$2,237$1,508$997$649$71
34 years$3,112$2,121$1,409$918$588$59
35 years$2,990$2,011$1,318$845$533$49
36 years$2,875$1,909$1,233$778$483$41
37 years$2,766$1,813$1,154$717$437$34
38 years$2,664$1,723$1,080$661$396$29
39 years$2,567$1,639$1,012$609$360$24
40 years$2,475$1,559$949$562$326$20
41 years$2,387$1,484$890$518$296$17
42 years$2,304$1,413$835$478$268$14
43 years$2,226$1,347$783$442$244$12
44 years$2,151$1,284$735$408$221$10
45 years$2,079$1,224$690$377$201$8
46 years$2,011$1,168$648$348$182$7
47 years$1,946$1,114$609$321$166$6
48 years$1,884$1,064$572$297$150$5
49 years$1,824$1,016$538$274$137$4
50 years$1,767$970$506$254$124$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,810,000, adding $5,205 every year, while hoping to spend $49,708 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: 53/30/17 Blend
42$1,810,000$1,810,000$1,810,000$1,810,000
43$1,999,989$1,904,059$1,876,004$2,096,526
44$2,151,099$1,944,469$1,885,961$2,203,587
45$2,315,956$1,985,193$1,894,586$2,314,329
46$2,495,910$2,026,194$1,901,781$2,433,728
47$2,692,447$2,067,432$1,907,445$2,562,622
48$2,907,202$2,108,861$1,911,470$2,701,933
49$3,141,976$2,150,435$1,913,743$2,852,678
50$3,398,752$2,192,100$1,914,148$3,015,978
51$3,679,712$2,233,800$1,912,559$3,193,069
52$3,987,260$2,275,474$1,908,847$3,385,312
53$4,324,042$2,317,054$1,902,876$3,594,209
54$4,692,975$2,358,470$1,894,502$3,821,413
55$5,097,266$2,399,643$1,883,576$4,068,750
56$5,540,452$2,440,490$1,869,940$4,338,231
57$6,026,425$2,480,921$1,853,431$4,632,072
58$6,559,475$2,520,841$1,833,875$4,952,717
59$7,144,323$2,560,144$1,811,092$5,302,861
60$7,786,174$2,598,721$1,784,893$5,685,475
61$8,490,757$2,636,451$1,755,080$6,103,833
62$9,264,384$2,673,208$1,721,445$6,561,546
63$10,114,010$2,708,854$1,683,773$7,062,594
64$11,047,295$2,743,243$1,641,835$7,611,366
65$12,072,677$2,776,220$1,595,394$8,212,700
66$13,199,453$2,807,617$1,544,202$8,871,929
67$14,437,863$2,837,257$1,487,999$9,594,933
68$15,799,191$2,864,949$1,426,514$10,388,196
69$17,295,868$2,890,491$1,359,461$11,258,863
70$18,941,589$2,913,666$1,286,545$12,214,814
71$20,751,441$2,934,247$1,207,455$13,264,736
72$22,742,050$2,951,986$1,121,866$14,418,202
73$24,931,730$2,966,625$1,029,440$15,685,770
74$27,340,663$2,977,885$929,822$17,079,078
75$29,991,082$2,985,473$822,643$18,610,953
76$32,907,487$2,989,076$707,516$20,295,540
77$36,116,870$2,988,361$584,037$22,148,427
78$39,648,974$2,982,974$451,786$24,186,802
79$43,536,571$2,972,541$310,322$26,429,610
80$47,815,770$2,956,664$159,187$28,897,736
81$52,526,359$2,934,921$0$31,614,201
82$57,712,179$2,906,864$0$34,604,766
83$63,421,540$2,872,018$0$37,927,860
84$69,707,670$2,829,880$0$41,585,512
85$76,629,226$2,779,918$0$45,611,809
86$84,250,838$2,721,565$0$50,044,323
87$92,643,726$2,654,225$0$54,924,461
88$101,886,367$2,577,262$0$60,297,857
89$112,065,236$2,490,008$0$66,214,808
90$123,275,623$2,391,751$0$72,730,745
91$135,622,531$2,281,741$0$79,906,757
92$149,221,667$2,159,184$0$87,810,175
93$164,200,532$2,023,239$0$96,515,202
94$180,699,627$1,873,018$0$106,103,618
95$198,873,774$1,707,582$0$116,665,552
96$218,893,582$1,525,936$0$128,300,337
97$240,947,053$1,327,033$0$141,117,447
98$265,241,358$1,109,763$0$155,237,530
99$292,004,789$872,954$0$170,793,556
100$321,488,918$615,368$0$187,932,065