Can I retire at age 43 with 1,820,000?

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 $1,820,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$150,294$148,955$147,649$146,374$145,129$139,813
2 years$74,403$73,017$71,674$70,372$69,109$63,813
3 years$49,109$47,718$46,378$45,088$43,846$38,735
4 years$36,465$35,077$33,751$32,483$31,271$26,385
5 years$28,880$27,501$26,192$24,950$23,772$19,124
6 years$23,825$22,457$21,167$19,953$18,810$14,403
7 years$20,216$18,859$17,590$16,405$15,297$11,130
8 years$17,511$16,166$14,918$13,761$12,691$8,760
9 years$15,407$14,075$12,849$11,722$10,687$6,987
10 years$13,726$12,407$11,202$10,104$9,106$5,631
11 years$12,351$11,045$9,862$8,794$7,832$4,573
12 years$11,206$9,913$8,752$7,713$6,787$3,737
13 years$10,238$8,959$7,820$6,810$5,918$3,069
14 years$9,409$8,143$7,026$6,045$5,188$2,530
15 years$8,691$7,439$6,343$5,391$4,568$2,093
16 years$8,063$6,825$5,751$4,827$4,037$1,735
17 years$7,510$6,286$5,233$4,337$3,579$1,442
18 years$7,019$5,808$4,777$3,908$3,183$1,200
19 years$6,580$5,383$4,373$3,532$2,837$1,001
20 years$6,186$5,002$4,014$3,199$2,534$835
21 years$5,829$4,659$3,692$2,903$2,268$698
22 years$5,505$4,349$3,403$2,639$2,033$583
23 years$5,210$4,068$3,142$2,404$1,825$488
24 years$4,940$3,811$2,906$2,192$1,640$409
25 years$4,692$3,577$2,691$2,002$1,476$342
26 years$4,464$3,362$2,496$1,831$1,329$287
27 years$4,252$3,164$2,318$1,676$1,198$240
28 years$4,056$2,981$2,155$1,535$1,081$202
29 years$3,874$2,812$2,005$1,408$976$169
30 years$3,705$2,656$1,868$1,292$882$142
31 years$3,546$2,511$1,741$1,187$798$119
32 years$3,398$2,376$1,624$1,091$722$100
33 years$3,259$2,250$1,517$1,003$653$84
34 years$3,129$2,132$1,417$923$591$70
35 years$3,006$2,022$1,325$849$535$59
36 years$2,891$1,920$1,239$782$485$49
37 years$2,781$1,823$1,160$721$440$42
38 years$2,678$1,733$1,086$664$399$35
39 years$2,581$1,648$1,018$613$362$29
40 years$2,488$1,568$954$565$328$25
41 years$2,400$1,492$895$521$297$21
42 years$2,317$1,421$839$481$270$17
43 years$2,238$1,354$787$444$245$15
44 years$2,162$1,291$739$410$222$12
45 years$2,091$1,231$694$379$202$10
46 years$2,022$1,174$652$350$183$9
47 years$1,957$1,120$612$323$166$7
48 years$1,894$1,070$575$299$151$6
49 years$1,834$1,021$541$276$137$5
50 years$1,777$976$509$255$125$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,820,000, adding $3,236 every year, while hoping to spend $34,554 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: 86/6/8 Blend
42$1,820,000$1,820,000$1,820,000$1,820,000
43$2,008,978$1,912,518$1,884,308$2,179,805
44$2,177,128$1,969,466$1,910,667$2,348,672
45$2,361,272$2,028,047$1,936,751$2,529,141
46$2,563,004$2,088,303$1,962,514$2,726,360
47$2,784,081$2,150,280$1,987,909$2,941,994
48$3,026,436$2,214,022$2,012,882$3,177,874
49$3,292,200$2,279,577$2,037,382$3,436,018
50$3,583,720$2,346,992$2,061,349$3,718,648
51$3,903,580$2,416,315$2,084,725$4,028,212
52$4,254,626$2,487,596$2,107,445$4,367,405
53$4,639,996$2,560,886$2,129,442$4,739,198
54$5,063,142$2,636,236$2,150,645$5,146,860
55$5,527,869$2,713,698$2,170,978$5,593,996
56$6,038,370$2,793,328$2,190,364$6,084,574
57$6,599,262$2,875,179$2,208,719$6,622,969
58$7,215,631$2,959,307$2,225,956$7,213,996
59$7,893,082$3,045,770$2,241,983$7,862,964
60$8,637,790$3,134,626$2,256,702$8,575,720
61$9,456,555$3,225,933$2,270,012$9,358,705
62$10,356,872$3,319,752$2,281,806$10,219,017
63$11,346,998$3,416,145$2,291,971$11,164,475
64$12,436,028$3,515,173$2,300,389$12,203,695
65$13,633,987$3,616,900$2,306,936$13,346,169
66$14,951,916$3,721,390$2,311,480$14,602,356
67$16,401,982$3,828,709$2,313,886$15,983,781
68$17,997,592$3,938,924$2,314,009$17,503,140
69$19,753,516$4,052,101$2,311,698$19,174,424
70$21,686,030$4,168,309$2,306,795$21,013,049
71$23,813,066$4,287,617$2,299,134$23,036,002
72$26,154,384$4,410,096$2,288,540$25,261,999
73$28,731,757$4,535,817$2,274,832$27,711,664
74$31,569,175$4,664,851$2,257,818$30,407,722
75$34,693,074$4,797,271$2,237,297$33,375,215
76$38,132,581$4,933,151$2,213,060$36,641,736
77$41,919,794$5,072,564$2,184,887$40,237,690
78$46,090,079$5,215,586$2,152,547$44,196,582
79$50,682,409$5,362,292$2,115,800$48,555,330
80$55,739,728$5,512,757$2,074,392$53,354,619
81$61,309,356$5,667,059$2,028,060$58,639,279
82$67,443,438$5,825,272$1,976,528$64,458,709
83$74,199,433$5,987,475$1,919,506$70,867,346
84$81,640,657$6,153,743$1,856,692$77,925,177
85$89,836,882$6,324,155$1,787,769$85,698,304
86$98,864,992$6,498,786$1,712,407$94,259,570
87$108,809,709$6,677,714$1,630,260$103,689,244
88$119,764,392$6,861,014$1,540,966$114,075,781
89$131,831,919$7,048,764$1,444,148$125,516,653
90$145,125,659$7,241,037$1,339,411$138,119,274
91$159,770,536$7,437,908$1,226,341$152,002,010
92$175,904,216$7,639,451$1,104,509$167,295,298
93$193,678,400$7,845,738$973,464$184,142,875
94$213,260,257$8,056,839$832,735$202,703,138
95$234,834,003$8,272,824$681,832$223,150,636
96$258,602,639$8,493,760$520,241$245,677,719
97$284,789,867$8,719,713$347,427$270,496,353
98$313,642,198$8,950,744$162,831$297,840,124
99$345,431,287$9,186,915$0$327,966,435
100$380,456,486$9,428,281$0$361,161,863