Can I retire at age 43 with 1,850,000?

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 $1,850,000?

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$152,771$151,410$150,083$148,787$147,522$145,018
2 years$75,629$74,221$72,856$71,532$70,248$67,734
3 years$49,919$48,504$47,142$45,831$44,568$42,121
4 years$37,066$35,656$34,308$33,019$31,787$29,425
5 years$29,356$27,954$26,624$25,362$24,164$21,895
6 years$24,218$22,827$21,516$20,282$19,120$16,947
7 years$20,550$19,170$17,880$16,675$15,550$13,473
8 years$17,799$16,432$15,164$13,988$12,900$10,919
9 years$15,661$14,307$13,061$11,915$10,864$8,977
10 years$13,952$12,611$11,386$10,271$9,256$7,463
11 years$12,554$11,227$10,024$8,939$7,961$6,258
12 years$11,391$10,077$8,896$7,840$6,899$5,285
13 years$10,407$9,106$7,948$6,922$6,016$4,489
14 years$9,564$8,277$7,142$6,144$5,273$3,830
15 years$8,834$7,562$6,448$5,480$4,643$3,281
16 years$8,196$6,938$5,846$4,907$4,104$2,819
17 years$7,634$6,389$5,320$4,408$3,638$2,430
18 years$7,135$5,904$4,856$3,973$3,235$2,099
19 years$6,689$5,472$4,446$3,590$2,884$1,816
20 years$6,288$5,085$4,080$3,251$2,576$1,575
21 years$5,925$4,736$3,753$2,951$2,305$1,367
22 years$5,596$4,421$3,459$2,683$2,066$1,188
23 years$5,296$4,135$3,194$2,443$1,855$1,034
24 years$5,022$3,874$2,953$2,229$1,667$901
25 years$4,770$3,636$2,736$2,035$1,500$785
26 years$4,537$3,417$2,537$1,861$1,351$685
27 years$4,322$3,216$2,356$1,703$1,218$598
28 years$4,123$3,030$2,190$1,561$1,099$522
29 years$3,938$2,859$2,038$1,431$993$456
30 years$3,766$2,700$1,898$1,313$897$399
31 years$3,605$2,552$1,770$1,206$811$348
32 years$3,454$2,415$1,651$1,109$733$305
33 years$3,313$2,287$1,542$1,019$664$267
34 years$3,180$2,167$1,441$938$601$233
35 years$3,056$2,056$1,347$863$544$204
36 years$2,938$1,951$1,260$795$493$179
37 years$2,827$1,853$1,179$733$447$156
38 years$2,722$1,761$1,104$675$405$137
39 years$2,623$1,675$1,035$623$367$120
40 years$2,529$1,593$970$574$333$105
41 years$2,440$1,517$909$530$302$92
42 years$2,355$1,444$853$489$274$81
43 years$2,275$1,376$800$451$249$71
44 years$2,198$1,312$751$417$226$62
45 years$2,125$1,251$705$385$205$54
46 years$2,055$1,193$663$356$186$47
47 years$1,989$1,139$622$329$169$42
48 years$1,925$1,087$585$304$154$36
49 years$1,864$1,038$550$281$140$32
50 years$1,806$992$517$259$127$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,850,000, adding $2,347 every year, while hoping to spend $56,092 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: 67/27/6 Blend
42$1,850,000$1,850,000$1,850,000$1,850,000
43$2,041,121$1,943,071$1,914,396$2,175,887
44$2,189,634$1,978,600$1,918,847$2,301,069
45$2,351,415$2,013,990$1,921,567$2,430,868
46$2,527,759$2,049,175$1,922,439$2,571,251
47$2,720,089$2,084,084$1,921,339$2,723,243
48$2,929,974$2,118,639$1,918,140$2,887,970
49$3,159,139$2,152,760$1,912,705$3,066,677
50$3,409,484$2,186,358$1,904,893$3,260,731
51$3,683,099$2,219,337$1,894,555$3,471,641
52$3,982,287$2,251,597$1,881,535$3,701,068
53$4,309,583$2,283,028$1,865,669$3,950,844
54$4,667,778$2,313,513$1,846,786$4,222,984
55$5,059,945$2,342,929$1,824,707$4,519,714
56$5,489,469$2,371,142$1,799,244$4,843,481
57$5,960,076$2,398,010$1,770,201$5,196,987
58$6,475,873$2,423,381$1,737,371$5,583,205
59$7,041,378$2,447,093$1,700,539$6,005,414
60$7,661,571$2,468,973$1,659,480$6,467,229
61$8,341,936$2,488,838$1,613,957$6,972,631
62$9,088,513$2,506,491$1,563,725$7,526,010
63$9,907,956$2,521,723$1,508,524$8,132,203
64$10,807,593$2,534,313$1,448,084$8,796,542
65$11,795,497$2,544,024$1,382,125$9,524,904
66$12,880,561$2,550,604$1,310,350$10,323,765
67$14,072,583$2,553,788$1,232,451$11,200,264
68$15,382,354$2,553,292$1,148,106$12,162,270
69$16,821,764$2,548,814$1,056,978$13,218,456
70$18,403,913$2,540,034$958,715$14,378,381
71$20,143,229$2,526,613$852,949$15,652,580
72$22,055,613$2,508,191$739,298$17,052,668
73$24,158,580$2,484,387$617,358$18,591,443
74$26,471,428$2,454,795$486,713$20,283,015
75$29,015,420$2,418,986$346,924$22,142,934
76$31,813,982$2,376,506$197,535$24,188,340
77$34,892,926$2,326,872$38,070$26,438,125
78$38,280,690$2,269,575$0$28,913,111
79$42,008,610$2,204,073$0$31,644,708
80$46,111,211$2,129,796$0$34,652,905
81$50,626,536$2,046,137$0$37,963,179
82$55,596,501$1,952,457$0$41,606,298
83$61,067,294$1,848,077$0$45,616,172
84$67,089,806$1,732,280$0$50,030,172
85$73,720,114$1,604,310$0$54,889,489
86$81,020,009$1,463,364$0$60,239,518
87$89,057,577$1,308,596$0$66,130,290
88$97,907,843$1,139,111$0$72,616,946
89$107,653,477$953,961$0$79,760,256
90$118,385,576$752,150$0$87,627,199
91$130,204,519$532,620$0$96,291,589
92$143,220,918$294,256$0$105,834,780
93$157,556,660$35,883$0$116,346,432
94$173,346,054$0$0$127,925,360
95$190,737,103$0$0$140,752,886
96$209,892,896$0$0$154,893,982
97$230,993,149$0$0$170,470,675
98$254,235,900$0$0$187,629,183
99$279,839,378$0$0$206,530,629
100$308,044,059$0$0$227,352,565