Can I retire at age 43 with 1,830,000?

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 $1,830,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$151,120$149,774$148,460$147,178$145,927$143,450
2 years$74,812$73,418$72,068$70,759$69,489$67,002
3 years$49,379$47,980$46,633$45,336$44,087$41,666
4 years$36,665$35,270$33,937$32,662$31,443$29,107
5 years$29,039$27,652$26,336$25,088$23,902$21,659
6 years$23,956$22,580$21,284$20,063$18,913$16,764
7 years$20,327$18,963$17,687$16,495$15,381$13,327
8 years$17,607$16,255$15,000$13,837$12,760$10,801
9 years$15,492$14,153$12,919$11,786$10,746$8,880
10 years$13,801$12,475$11,263$10,160$9,156$7,382
11 years$12,419$11,106$9,916$8,842$7,875$6,191
12 years$11,267$9,968$8,800$7,756$6,824$5,228
13 years$10,294$9,008$7,862$6,847$5,951$4,440
14 years$9,460$8,188$7,064$6,078$5,216$3,789
15 years$8,739$7,480$6,378$5,421$4,593$3,245
16 years$8,108$6,863$5,783$4,853$4,059$2,789
17 years$7,551$6,320$5,262$4,361$3,599$2,403
18 years$7,058$5,840$4,804$3,930$3,200$2,076
19 years$6,616$5,413$4,398$3,551$2,852$1,797
20 years$6,220$5,030$4,036$3,216$2,548$1,557
21 years$5,861$4,685$3,712$2,919$2,280$1,352
22 years$5,536$4,373$3,421$2,654$2,044$1,175
23 years$5,239$4,090$3,159$2,417$1,835$1,023
24 years$4,967$3,832$2,922$2,204$1,649$891
25 years$4,718$3,596$2,706$2,013$1,484$776
26 years$4,488$3,380$2,510$1,841$1,337$677
27 years$4,276$3,181$2,330$1,685$1,205$591
28 years$4,079$2,997$2,166$1,544$1,087$516
29 years$3,896$2,828$2,016$1,416$982$451
30 years$3,725$2,670$1,878$1,299$887$394
31 years$3,566$2,524$1,751$1,193$802$345
32 years$3,417$2,389$1,633$1,097$726$301
33 years$3,277$2,262$1,525$1,008$657$264
34 years$3,146$2,144$1,425$928$594$231
35 years$3,023$2,034$1,332$854$538$202
36 years$2,906$1,930$1,246$787$488$177
37 years$2,797$1,833$1,167$725$442$155
38 years$2,693$1,742$1,092$668$401$136
39 years$2,595$1,657$1,023$616$364$119
40 years$2,502$1,576$959$568$330$104
41 years$2,414$1,500$899$524$299$91
42 years$2,330$1,429$844$484$271$80
43 years$2,250$1,361$792$447$246$70
44 years$2,174$1,298$743$412$224$61
45 years$2,102$1,237$698$381$203$54
46 years$2,033$1,181$655$352$184$47
47 years$1,967$1,127$616$325$167$41
48 years$1,904$1,075$579$300$152$36
49 years$1,844$1,027$544$278$138$32
50 years$1,787$981$511$257$125$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,830,000, adding $2,474 every year, while hoping to spend $25,168 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: 88/5/7 Blend
42$1,830,000$1,830,000$1,830,000$1,830,000
43$2,019,212$1,922,222$1,893,857$2,195,741
44$2,198,393$1,989,632$1,930,523$2,378,466
45$2,395,007$2,059,502$1,967,573$2,575,559
46$2,610,806$2,131,926$2,004,995$2,791,420
47$2,847,718$2,207,000$2,042,772$3,027,923
48$3,107,870$2,284,828$2,080,890$3,287,135
49$3,393,602$2,365,514$2,119,329$3,571,330
50$3,707,494$2,449,169$2,158,071$3,883,014
51$4,052,387$2,535,907$2,197,095$4,224,946
52$4,431,411$2,625,846$2,236,378$4,600,167
53$4,848,014$2,719,112$2,275,896$5,012,025
54$5,305,996$2,815,833$2,315,623$5,464,210
55$5,809,542$2,916,143$2,355,531$5,960,785
56$6,363,263$3,020,182$2,395,588$6,506,229
57$6,972,239$3,128,094$2,435,764$7,105,472
58$7,642,069$3,240,032$2,476,024$7,763,949
59$8,378,919$3,356,153$2,516,330$8,487,647
60$9,189,585$3,476,621$2,556,643$9,283,160
61$10,081,553$3,601,605$2,596,921$10,157,755
62$11,063,073$3,731,285$2,637,119$11,119,439
63$12,143,234$3,865,846$2,677,190$12,177,031
64$13,332,050$4,005,479$2,717,082$13,340,252
65$14,640,557$4,150,385$2,756,743$14,619,807
66$16,080,914$4,300,774$2,796,114$16,027,497
67$17,666,519$4,456,864$2,835,135$17,576,321
68$19,412,134$4,618,880$2,873,742$19,280,602
69$21,334,025$4,787,059$2,911,866$21,156,123
70$23,450,119$4,961,648$2,949,436$23,220,274
71$25,780,164$5,142,902$2,986,376$25,492,216
72$28,345,925$5,331,089$3,022,604$27,993,065
73$31,171,384$5,526,486$3,058,036$30,746,084
74$34,282,966$5,729,385$3,092,581$33,776,909
75$37,709,791$5,940,087$3,126,144$37,113,788
76$41,483,945$6,158,907$3,158,626$40,787,847
77$45,640,788$6,386,174$3,189,920$44,833,386
78$50,219,281$6,622,229$3,219,915$49,288,199
79$55,262,359$6,867,430$3,248,494$54,193,932
80$60,817,334$7,122,148$3,275,532$59,596,476
81$66,936,340$7,386,771$3,300,900$65,546,401
82$73,676,827$7,661,702$3,324,461$72,099,432
83$81,102,102$7,947,365$3,346,069$79,316,972
84$89,281,928$8,244,198$3,365,574$87,266,688
85$98,293,180$8,552,658$3,382,816$96,023,141
86$108,220,571$8,873,225$3,397,627$105,668,498
87$119,157,453$9,206,397$3,409,831$116,293,299
88$131,206,695$9,552,693$3,419,243$127,997,320
89$144,481,659$9,912,656$3,425,669$140,890,506
90$159,107,263$10,286,851$3,428,904$155,094,014
91$175,221,166$10,675,869$3,428,734$170,741,357
92$192,975,064$11,080,325$3,424,935$187,979,658
93$212,536,121$11,500,861$3,417,271$206,971,044
94$234,088,550$11,938,148$3,405,494$227,894,176
95$257,835,350$12,392,885$3,389,346$250,945,932
96$284,000,221$12,865,802$3,368,555$276,343,266
97$312,829,678$13,357,661$3,342,835$304,325,257
98$344,595,374$13,869,255$3,311,890$335,155,366
99$379,596,669$14,401,416$3,275,405$369,123,920
100$418,163,452$14,955,008$3,233,054$406,550,855