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%15%
1 years$151,120$149,774$148,460$147,178$145,927$142,922
2 years$74,812$73,418$72,068$70,759$69,489$66,475
3 years$49,379$47,980$46,633$45,336$44,087$41,158
4 years$36,665$35,270$33,937$32,662$31,443$28,622
5 years$29,039$27,652$26,336$25,088$23,902$21,198
6 years$23,956$22,580$21,284$20,063$18,913$16,327
7 years$20,327$18,963$17,687$16,495$15,381$12,914
8 years$17,607$16,255$15,000$13,837$12,760$10,412
9 years$15,492$14,153$12,919$11,786$10,746$8,514
10 years$13,801$12,475$11,263$10,160$9,156$7,039
11 years$12,419$11,106$9,916$8,842$7,875$5,870
12 years$11,267$9,968$8,800$7,756$6,824$4,928
13 years$10,294$9,008$7,862$6,847$5,951$4,161
14 years$9,460$8,188$7,064$6,078$5,216$3,529
15 years$8,739$7,480$6,378$5,421$4,593$3,004
16 years$8,108$6,863$5,783$4,853$4,059$2,565
17 years$7,551$6,320$5,262$4,361$3,599$2,196
18 years$7,058$5,840$4,804$3,930$3,200$1,885
19 years$6,616$5,413$4,398$3,551$2,852$1,620
20 years$6,220$5,030$4,036$3,216$2,548$1,395
21 years$5,861$4,685$3,712$2,919$2,280$1,203
22 years$5,536$4,373$3,421$2,654$2,044$1,038
23 years$5,239$4,090$3,159$2,417$1,835$897
24 years$4,967$3,832$2,922$2,204$1,649$776
25 years$4,718$3,596$2,706$2,013$1,484$672
26 years$4,488$3,380$2,510$1,841$1,337$582
27 years$4,276$3,181$2,330$1,685$1,205$504
28 years$4,079$2,997$2,166$1,544$1,087$437
29 years$3,896$2,828$2,016$1,416$982$379
30 years$3,725$2,670$1,878$1,299$887$329
31 years$3,566$2,524$1,751$1,193$802$285
32 years$3,417$2,389$1,633$1,097$726$248
33 years$3,277$2,262$1,525$1,008$657$215
34 years$3,146$2,144$1,425$928$594$187
35 years$3,023$2,034$1,332$854$538$162
36 years$2,906$1,930$1,246$787$488$141
37 years$2,797$1,833$1,167$725$442$122
38 years$2,693$1,742$1,092$668$401$106
39 years$2,595$1,657$1,023$616$364$92
40 years$2,502$1,576$959$568$330$80
41 years$2,414$1,500$899$524$299$70
42 years$2,330$1,429$844$484$271$61
43 years$2,250$1,361$792$447$246$53
44 years$2,174$1,298$743$412$224$46
45 years$2,102$1,237$698$381$203$40
46 years$2,033$1,181$655$352$184$35
47 years$1,967$1,127$616$325$167$30
48 years$1,904$1,075$579$300$152$26
49 years$1,844$1,027$544$278$138$23
50 years$1,787$981$511$257$125$20

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 $2,455 every year, while hoping to spend $37,678 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: 48/47/5 Blend
42$1,830,000$1,830,000$1,830,000$1,830,000
43$2,019,192$1,922,202$1,893,837$2,113,453
44$2,185,061$1,976,301$1,917,192$2,232,210
45$2,366,585$2,031,788$1,940,066$2,356,860
46$2,565,322$2,088,691$1,962,404$2,491,290
47$2,782,987$2,147,039$1,984,146$2,636,415
48$3,021,468$2,206,860$2,005,231$2,793,247
49$3,282,844$2,268,182$2,025,592$2,962,896
50$3,569,406$2,331,035$2,045,161$3,146,584
51$3,883,676$2,395,446$2,063,865$3,345,655
52$4,228,432$2,461,445$2,081,626$3,561,590
53$4,606,736$2,529,059$2,098,364$3,796,018
54$5,021,956$2,598,316$2,113,993$4,050,730
55$5,477,808$2,669,246$2,128,423$4,327,700
56$5,978,380$2,741,874$2,141,561$4,629,100
57$6,528,178$2,816,230$2,153,307$4,957,323
58$7,132,166$2,892,339$2,163,556$5,315,001
59$7,795,811$2,970,227$2,172,200$5,705,034
60$8,525,137$3,049,922$2,179,122$6,130,616
61$9,326,780$3,131,447$2,184,201$6,595,263
62$10,208,051$3,214,828$2,187,312$7,102,847
63$11,177,005$3,300,087$2,188,319$7,657,635
64$12,242,516$3,387,247$2,187,084$8,264,324
65$13,414,360$3,476,331$2,183,460$8,928,090
66$14,703,311$3,567,357$2,177,292$9,654,632
67$16,121,237$3,660,345$2,168,419$10,450,229
68$17,681,213$3,755,313$2,156,671$11,321,799
69$19,397,649$3,852,275$2,141,872$12,276,962
70$21,286,420$3,951,247$2,123,835$13,324,112
71$23,365,017$4,052,240$2,102,366$14,472,498
72$25,652,713$4,155,264$2,077,259$15,732,309
73$28,170,745$4,260,328$2,048,303$17,114,772
74$30,942,512$4,367,435$2,015,272$18,632,254
75$33,993,797$4,476,588$1,977,932$20,298,384
76$37,353,011$4,587,787$1,936,039$22,128,177
77$41,051,457$4,701,028$1,889,336$24,138,176
78$45,123,631$4,816,303$1,837,554$26,346,610
79$49,607,541$4,933,603$1,780,412$28,773,566
80$54,545,072$5,052,910$1,717,618$31,441,175
81$59,982,374$5,174,208$1,648,862$34,373,825
82$65,970,302$5,297,470$1,573,825$37,598,387
83$72,564,896$5,422,668$1,492,171$41,144,472
84$79,827,905$5,549,769$1,403,548$45,044,710
85$87,827,374$5,678,731$1,307,591$49,335,055
86$96,638,286$5,809,509$1,203,915$54,055,126
87$106,343,265$5,942,049$1,092,120$59,248,583
88$117,033,361$6,076,291$971,788$64,963,537
89$128,808,902$6,212,168$842,482$71,253,001
90$141,780,451$6,349,605$703,746$78,175,398
91$156,069,838$6,488,517$555,103$85,795,107
92$171,811,318$6,628,811$396,055$94,183,070
93$189,152,834$6,770,383$226,084$103,417,466
94$208,257,411$6,913,121$44,646$113,584,447
95$229,304,702$7,056,898$0$124,778,949
96$252,492,675$7,201,580$0$137,113,543
97$278,039,486$7,347,016$0$150,698,627
98$306,185,538$7,493,044$0$165,658,903
99$337,195,747$7,639,487$0$182,134,412
100$371,362,044$7,786,153$0$200,279,480