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

Use the below retirement simulation to view the chances of a successful retirement.
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%18.5%
1 years$151,120$149,774$148,460$147,178$145,927$140,917
2 years$74,812$73,418$72,068$70,759$69,489$64,493
3 years$49,379$47,980$46,633$45,336$44,087$39,261
4 years$36,665$35,270$33,937$32,662$31,443$26,825
5 years$29,039$27,652$26,336$25,088$23,902$19,504
6 years$23,956$22,580$21,284$20,063$18,913$14,738
7 years$20,327$18,963$17,687$16,495$15,381$11,428
8 years$17,607$16,255$15,000$13,837$12,760$9,026
9 years$15,492$14,153$12,919$11,786$10,746$7,227
10 years$13,801$12,475$11,263$10,160$9,156$5,845
11 years$12,419$11,106$9,916$8,842$7,875$4,766
12 years$11,267$9,968$8,800$7,756$6,824$3,910
13 years$10,294$9,008$7,862$6,847$5,951$3,224
14 years$9,460$8,188$7,064$6,078$5,216$2,669
15 years$8,739$7,480$6,378$5,421$4,593$2,217
16 years$8,108$6,863$5,783$4,853$4,059$1,847
17 years$7,551$6,320$5,262$4,361$3,599$1,541
18 years$7,058$5,840$4,804$3,930$3,200$1,289
19 years$6,616$5,413$4,398$3,551$2,852$1,079
20 years$6,220$5,030$4,036$3,216$2,548$905
21 years$5,861$4,685$3,712$2,919$2,280$759
22 years$5,536$4,373$3,421$2,654$2,044$638
23 years$5,239$4,090$3,159$2,417$1,835$536
24 years$4,967$3,832$2,922$2,204$1,649$451
25 years$4,718$3,596$2,706$2,013$1,484$380
26 years$4,488$3,380$2,510$1,841$1,337$320
27 years$4,276$3,181$2,330$1,685$1,205$269
28 years$4,079$2,997$2,166$1,544$1,087$227
29 years$3,896$2,828$2,016$1,416$982$191
30 years$3,725$2,670$1,878$1,299$887$161
31 years$3,566$2,524$1,751$1,193$802$136
32 years$3,417$2,389$1,633$1,097$726$115
33 years$3,277$2,262$1,525$1,008$657$97
34 years$3,146$2,144$1,425$928$594$81
35 years$3,023$2,034$1,332$854$538$69
36 years$2,906$1,930$1,246$787$488$58
37 years$2,797$1,833$1,167$725$442$49
38 years$2,693$1,742$1,092$668$401$41
39 years$2,595$1,657$1,023$616$364$35
40 years$2,502$1,576$959$568$330$29
41 years$2,414$1,500$899$524$299$25
42 years$2,330$1,429$844$484$271$21
43 years$2,250$1,361$792$447$246$18
44 years$2,174$1,298$743$412$224$15
45 years$2,102$1,237$698$381$203$13
46 years$2,033$1,181$655$352$184$11
47 years$1,967$1,127$616$325$167$9
48 years$1,904$1,075$579$300$152$8
49 years$1,844$1,027$544$278$138$6
50 years$1,787$981$511$257$125$5

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 $2,869 every year, while hoping to spend $47,928 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: 76/15/9 Blend
42$1,830,000$1,830,000$1,830,000$1,830,000
43$2,019,619$1,922,629$1,894,264$2,169,932
44$2,174,626$1,965,843$1,906,727$2,312,454
45$2,343,836$2,009,568$1,918,001$2,462,241
46$2,528,649$2,053,779$1,927,996$2,625,057
47$2,730,604$2,098,446$1,936,616$2,802,179
48$2,951,395$2,143,540$1,943,763$2,995,011
49$3,192,888$2,189,024$1,949,330$3,205,101
50$3,457,138$2,234,862$1,953,208$3,434,154
51$3,746,407$2,281,010$1,955,280$3,684,046
52$4,063,185$2,327,425$1,955,427$3,956,846
53$4,410,215$2,374,054$1,953,520$4,254,832
54$4,790,520$2,420,845$1,949,425$4,580,513
55$5,207,424$2,467,739$1,943,002$4,936,653
56$5,664,594$2,514,670$1,934,105$5,326,298
57$6,166,065$2,561,571$1,922,580$5,752,802
58$6,716,281$2,608,366$1,908,264$6,219,862
59$7,320,140$2,654,974$1,890,989$6,731,551
60$7,983,034$2,701,308$1,870,577$7,292,355
61$8,710,906$2,747,274$1,846,844$7,907,219
62$9,510,298$2,792,770$1,819,593$8,581,589
63$10,388,422$2,837,689$1,788,622$9,321,469
64$11,353,218$2,881,913$1,753,719$10,133,472
65$12,413,437$2,925,317$1,714,658$11,024,885
66$13,578,717$2,967,767$1,671,209$12,003,739
67$14,859,677$3,009,119$1,623,126$13,078,883
68$16,268,017$3,049,219$1,570,154$14,260,066
69$17,816,627$3,087,902$1,512,025$15,558,035
70$19,519,706$3,124,993$1,448,462$16,984,629
71$21,392,902$3,160,304$1,379,171$18,552,895
72$23,453,453$3,193,634$1,303,849$20,277,212
73$25,720,352$3,224,768$1,222,174$22,173,424
74$28,214,526$3,253,480$1,133,815$24,258,991
75$30,959,033$3,279,526$1,038,423$26,553,153
76$33,979,278$3,302,646$935,634$29,077,116
77$37,303,255$3,322,566$825,068$31,854,243
78$40,961,807$3,338,992$706,328$34,910,287
79$44,988,920$3,351,612$578,999$38,273,622
80$49,422,043$3,360,094$442,648$41,975,521
81$54,302,438$3,364,085$296,824$46,050,445
82$59,675,573$3,363,211$141,054$50,536,371
83$65,591,548$3,357,075$0$55,475,152
84$72,105,568$3,345,253$0$60,915,326
85$79,278,463$3,327,299$0$66,919,916
86$87,177,265$3,302,735$0$73,531,426
87$95,875,836$3,271,059$0$80,811,638
88$105,455,565$3,231,734$0$88,828,634
89$116,006,139$3,184,195$0$97,657,438
90$127,626,386$3,127,842$0$107,380,727
91$140,425,208$3,062,036$0$118,089,607
92$154,522,609$2,986,106$0$129,884,480
93$170,050,827$2,899,337$0$142,875,983
94$187,155,581$2,800,974$0$157,186,042
95$205,997,446$2,690,218$0$172,949,014
96$226,753,369$2,566,223$0$190,312,965
97$249,618,339$2,428,093$0$209,441,058
98$274,807,223$2,274,884$0$230,513,102
99$302,556,799$2,105,593$0$253,727,245
100$333,127,989$1,919,163$0$279,301,848