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%19.2%
1 years$152,771$151,410$150,083$148,787$147,522$142,061
2 years$75,629$74,221$72,856$71,532$70,248$64,809
3 years$49,919$48,504$47,142$45,831$44,568$39,321
4 years$37,066$35,656$34,308$33,019$31,787$26,771
5 years$29,356$27,954$26,624$25,362$24,164$19,393
6 years$24,218$22,827$21,516$20,282$19,120$14,598
7 years$20,550$19,170$17,880$16,675$15,550$11,274
8 years$17,799$16,432$15,164$13,988$12,900$8,868
9 years$15,661$14,307$13,061$11,915$10,864$7,069
10 years$13,952$12,611$11,386$10,271$9,256$5,693
11 years$12,554$11,227$10,024$8,939$7,961$4,621
12 years$11,391$10,077$8,896$7,840$6,899$3,773
13 years$10,407$9,106$7,948$6,922$6,016$3,097
14 years$9,564$8,277$7,142$6,144$5,273$2,551
15 years$8,834$7,562$6,448$5,480$4,643$2,108
16 years$8,196$6,938$5,846$4,907$4,104$1,747
17 years$7,634$6,389$5,320$4,408$3,638$1,451
18 years$7,135$5,904$4,856$3,973$3,235$1,207
19 years$6,689$5,472$4,446$3,590$2,884$1,005
20 years$6,288$5,085$4,080$3,251$2,576$838
21 years$5,925$4,736$3,753$2,951$2,305$700
22 years$5,596$4,421$3,459$2,683$2,066$585
23 years$5,296$4,135$3,194$2,443$1,855$489
24 years$5,022$3,874$2,953$2,229$1,667$409
25 years$4,770$3,636$2,736$2,035$1,500$342
26 years$4,537$3,417$2,537$1,861$1,351$287
27 years$4,322$3,216$2,356$1,703$1,218$240
28 years$4,123$3,030$2,190$1,561$1,099$201
29 years$3,938$2,859$2,038$1,431$993$168
30 years$3,766$2,700$1,898$1,313$897$141
31 years$3,605$2,552$1,770$1,206$811$118
32 years$3,454$2,415$1,651$1,109$733$99
33 years$3,313$2,287$1,542$1,019$664$83
34 years$3,180$2,167$1,441$938$601$70
35 years$3,056$2,056$1,347$863$544$58
36 years$2,938$1,951$1,260$795$493$49
37 years$2,827$1,853$1,179$733$447$41
38 years$2,722$1,761$1,104$675$405$35
39 years$2,623$1,675$1,035$623$367$29
40 years$2,529$1,593$970$574$333$24
41 years$2,440$1,517$909$530$302$20
42 years$2,355$1,444$853$489$274$17
43 years$2,275$1,376$800$451$249$14
44 years$2,198$1,312$751$417$226$12
45 years$2,125$1,251$705$385$205$10
46 years$2,055$1,193$663$356$186$8
47 years$1,989$1,139$622$329$169$7
48 years$1,925$1,087$585$304$154$6
49 years$1,864$1,038$550$281$140$5
50 years$1,806$992$517$259$127$4

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 $5,095 every year, while hoping to spend $23,009 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: 34/50/16 Blend
42$1,850,000$1,850,000$1,850,000$1,850,000
43$2,043,955$1,945,905$1,917,230$2,103,151
44$2,227,958$2,016,773$1,956,976$2,217,754
45$2,429,957$2,090,343$1,997,282$2,338,741
46$2,651,764$2,166,722$2,038,143$2,468,717
47$2,895,376$2,246,022$2,079,553$2,608,487
48$3,162,989$2,328,363$2,121,503$2,758,935
49$3,457,026$2,413,864$2,163,985$2,921,032
50$3,780,154$2,502,655$2,206,990$3,095,842
51$4,135,313$2,594,868$2,250,507$3,284,534
52$4,525,739$2,690,641$2,294,524$3,488,393
53$4,955,001$2,790,119$2,339,026$3,708,827
54$5,427,028$2,893,452$2,384,001$3,947,387
55$5,946,150$3,000,796$2,429,430$4,205,774
56$6,517,137$3,112,315$2,475,296$4,485,858
57$7,145,247$3,228,180$2,521,580$4,789,695
58$7,836,270$3,348,569$2,568,261$5,119,545
59$8,596,586$3,473,666$2,615,314$5,477,891
60$9,433,227$3,603,664$2,662,717$5,867,466
61$10,353,939$3,738,766$2,710,440$6,291,272
62$11,367,256$3,879,182$2,758,456$6,752,614
63$12,482,585$4,025,130$2,806,732$7,255,125
64$13,710,286$4,176,839$2,855,236$7,802,802
65$15,061,780$4,334,549$2,903,930$8,400,043
66$16,549,646$4,498,506$2,952,777$9,051,685
67$18,187,749$4,668,973$3,001,734$9,763,053
68$19,991,365$4,846,218$3,050,758$10,540,005
69$21,977,327$5,030,525$3,099,800$11,388,989
70$24,164,182$5,222,188$3,148,812$12,317,100
71$26,572,369$5,421,516$3,197,737$13,332,148
72$29,224,410$5,628,829$3,246,520$14,442,733
73$32,145,121$5,844,463$3,295,100$15,658,316
74$35,361,848$6,068,767$3,343,411$16,989,318
75$38,904,727$6,302,107$3,391,386$18,447,210
76$42,806,962$6,544,863$3,438,950$20,044,621
77$47,105,145$6,797,434$3,486,028$21,795,457
78$51,839,597$7,060,235$3,532,537$23,715,029
79$57,054,749$7,333,700$3,578,390$25,820,200
80$62,799,563$7,618,281$3,623,496$28,129,535
81$69,127,993$7,914,451$3,667,757$30,663,484
82$76,099,493$8,222,704$3,711,072$33,444,564
83$83,779,581$8,543,556$3,753,332$36,497,576
84$92,240,452$8,877,544$3,794,423$39,849,834
85$101,561,666$9,225,232$3,834,224$43,531,422
86$111,830,894$9,587,206$3,872,608$47,575,476
87$123,144,745$9,964,079$3,909,441$52,018,494
88$135,609,684$10,356,493$3,944,581$56,900,678
89$149,343,027$10,765,117$3,977,880$62,266,311
90$164,474,058$11,190,650$4,009,182$68,164,175
91$181,145,242$11,633,822$4,038,320$74,648,003
92$199,513,575$12,095,397$4,065,121$81,776,992
93$219,752,060$12,576,172$4,089,403$89,616,350
94$242,051,345$13,076,980$4,110,973$98,237,914
95$266,621,522$13,598,692$4,129,631$107,720,826
96$293,694,107$14,142,217$4,145,163$118,152,271
97$323,524,226$14,708,506$4,157,346$129,628,303
98$356,393,028$15,298,554$4,165,948$142,254,745
99$392,610,331$15,913,397$4,170,721$156,148,185
100$432,517,553$16,554,122$4,171,409$171,437,071