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%17.1%
1 years$150,294$148,955$147,649$146,374$145,129$140,936
2 years$74,403$73,017$71,674$70,372$69,109$64,917
3 years$49,109$47,718$46,378$45,088$43,846$39,787
4 years$36,465$35,077$33,751$32,483$31,271$27,377
5 years$28,880$27,501$26,192$24,950$23,772$20,053
6 years$23,825$22,457$21,167$19,953$18,810$15,269
7 years$20,216$18,859$17,590$16,405$15,297$11,935
8 years$17,511$16,166$14,918$13,761$12,691$9,505
9 years$15,407$14,075$12,849$11,722$10,687$7,675
10 years$13,726$12,407$11,202$10,104$9,106$6,263
11 years$12,351$11,045$9,862$8,794$7,832$5,153
12 years$11,206$9,913$8,752$7,713$6,787$4,267
13 years$10,238$8,959$7,820$6,810$5,918$3,552
14 years$9,409$8,143$7,026$6,045$5,188$2,970
15 years$8,691$7,439$6,343$5,391$4,568$2,491
16 years$8,063$6,825$5,751$4,827$4,037$2,096
17 years$7,510$6,286$5,233$4,337$3,579$1,767
18 years$7,019$5,808$4,777$3,908$3,183$1,493
19 years$6,580$5,383$4,373$3,532$2,837$1,264
20 years$6,186$5,002$4,014$3,199$2,534$1,071
21 years$5,829$4,659$3,692$2,903$2,268$909
22 years$5,505$4,349$3,403$2,639$2,033$772
23 years$5,210$4,068$3,142$2,404$1,825$656
24 years$4,940$3,811$2,906$2,192$1,640$558
25 years$4,692$3,577$2,691$2,002$1,476$475
26 years$4,464$3,362$2,496$1,831$1,329$404
27 years$4,252$3,164$2,318$1,676$1,198$344
28 years$4,056$2,981$2,155$1,535$1,081$294
29 years$3,874$2,812$2,005$1,408$976$250
30 years$3,705$2,656$1,868$1,292$882$213
31 years$3,546$2,511$1,741$1,187$798$182
32 years$3,398$2,376$1,624$1,091$722$155
33 years$3,259$2,250$1,517$1,003$653$132
34 years$3,129$2,132$1,417$923$591$113
35 years$3,006$2,022$1,325$849$535$96
36 years$2,891$1,920$1,239$782$485$82
37 years$2,781$1,823$1,160$721$440$70
38 years$2,678$1,733$1,086$664$399$60
39 years$2,581$1,648$1,018$613$362$51
40 years$2,488$1,568$954$565$328$44
41 years$2,400$1,492$895$521$297$37
42 years$2,317$1,421$839$481$270$32
43 years$2,238$1,354$787$444$245$27
44 years$2,162$1,291$739$410$222$23
45 years$2,091$1,231$694$379$202$20
46 years$2,022$1,174$652$350$183$17
47 years$1,957$1,120$612$323$166$14
48 years$1,894$1,070$575$299$151$12
49 years$1,834$1,021$541$276$137$11
50 years$1,777$976$509$255$125$9

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 $6,506 every year, while hoping to spend $58,033 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: 63/12/25 Blend
42$1,820,000$1,820,000$1,820,000$1,820,000
43$2,012,351$1,915,891$1,887,681$2,125,470
44$2,155,864$1,948,023$1,889,172$2,234,910
45$2,312,071$1,979,784$1,888,767$2,347,404
46$2,482,204$2,011,096$1,886,343$2,468,994
47$2,667,621$2,041,872$1,881,768$2,600,576
48$2,869,816$2,072,022$1,874,905$2,743,142
49$3,090,434$2,101,447$1,865,610$2,897,783
50$3,331,282$2,130,042$1,853,733$3,065,704
51$3,594,355$2,157,696$1,839,115$3,248,233
52$3,881,845$2,184,289$1,821,590$3,446,834
53$4,196,165$2,209,691$1,800,986$3,663,124
54$4,539,975$2,233,767$1,777,120$3,898,884
55$4,916,202$2,256,371$1,749,803$4,156,079
56$5,328,067$2,277,346$1,718,834$4,436,874
57$5,779,121$2,296,527$1,684,007$4,743,660
58$6,273,272$2,313,737$1,645,101$5,079,072
59$6,814,823$2,328,788$1,601,890$5,446,015
60$7,408,516$2,341,479$1,554,134$5,847,694
61$8,059,571$2,351,598$1,501,583$6,287,642
62$8,773,737$2,358,916$1,443,976$6,769,755
63$9,557,350$2,363,195$1,381,041$7,298,330
64$10,417,385$2,364,176$1,312,491$7,878,105
65$11,361,526$2,361,590$1,238,028$8,514,304
66$12,398,240$2,355,145$1,157,340$9,212,687
67$13,536,850$2,344,537$1,070,100$9,979,605
68$14,787,629$2,329,440$975,969$10,822,061
69$16,161,893$2,309,509$874,590$11,747,776
70$17,672,109$2,284,377$765,592$12,765,264
71$19,332,011$2,253,658$648,585$13,883,911
72$21,156,729$2,216,940$523,166$15,114,065
73$23,162,933$2,173,788$388,909$16,467,136
74$25,368,988$2,123,740$245,374$17,955,702
75$27,795,130$2,066,308$92,099$19,593,630
76$30,463,651$2,000,975$0$21,396,209
77$33,399,114$1,927,193$0$23,399,358
78$36,628,581$1,844,383$0$25,630,051
79$40,181,871$1,751,932$0$28,084,316
80$44,091,837$1,649,193$0$30,784,880
81$48,394,680$1,535,478$0$33,756,789
82$53,130,285$1,410,064$0$37,027,641
83$58,342,601$1,272,185$0$40,627,850
84$64,080,054$1,121,029$0$44,590,934
85$70,396,001$955,742$0$48,953,828
86$77,349,239$775,419$0$53,757,236
87$85,004,552$579,104$0$59,046,015
88$93,433,325$365,790$0$64,869,596
89$102,714,221$134,410$0$71,282,455
90$112,933,914$0$0$78,344,625
91$124,187,916$0$0$86,137,603
92$136,581,471$0$0$94,739,398
93$150,230,549$0$0$104,212,771
94$165,262,943$0$0$114,646,443
95$181,819,471$0$0$126,138,174
96$200,055,305$0$0$138,795,693
97$220,141,438$0$0$152,737,708
98$242,266,291$0$0$168,095,031
99$266,637,498$0$0$185,011,811
100$293,483,859$0$0$203,646,892