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%19.1%
1 years$152,771$151,410$150,083$148,787$147,522$142,118
2 years$75,629$74,221$72,856$71,532$70,248$64,864
3 years$49,919$48,504$47,142$45,831$44,568$39,373
4 years$37,066$35,656$34,308$33,019$31,787$26,820
5 years$29,356$27,954$26,624$25,362$24,164$19,439
6 years$24,218$22,827$21,516$20,282$19,120$14,640
7 years$20,550$19,170$17,880$16,675$15,550$11,314
8 years$17,799$16,432$15,164$13,988$12,900$8,904
9 years$15,661$14,307$13,061$11,915$10,864$7,103
10 years$13,952$12,611$11,386$10,271$9,256$5,723
11 years$12,554$11,227$10,024$8,939$7,961$4,648
12 years$11,391$10,077$8,896$7,840$6,899$3,799
13 years$10,407$9,106$7,948$6,922$6,016$3,119
14 years$9,564$8,277$7,142$6,144$5,273$2,572
15 years$8,834$7,562$6,448$5,480$4,643$2,127
16 years$8,196$6,938$5,846$4,907$4,104$1,764
17 years$7,634$6,389$5,320$4,408$3,638$1,466
18 years$7,135$5,904$4,856$3,973$3,235$1,220
19 years$6,689$5,472$4,446$3,590$2,884$1,017
20 years$6,288$5,085$4,080$3,251$2,576$849
21 years$5,925$4,736$3,753$2,951$2,305$709
22 years$5,596$4,421$3,459$2,683$2,066$593
23 years$5,296$4,135$3,194$2,443$1,855$496
24 years$5,022$3,874$2,953$2,229$1,667$415
25 years$4,770$3,636$2,736$2,035$1,500$348
26 years$4,537$3,417$2,537$1,861$1,351$291
27 years$4,322$3,216$2,356$1,703$1,218$244
28 years$4,123$3,030$2,190$1,561$1,099$205
29 years$3,938$2,859$2,038$1,431$993$172
30 years$3,766$2,700$1,898$1,313$897$144
31 years$3,605$2,552$1,770$1,206$811$121
32 years$3,454$2,415$1,651$1,109$733$101
33 years$3,313$2,287$1,542$1,019$664$85
34 years$3,180$2,167$1,441$938$601$71
35 years$3,056$2,056$1,347$863$544$60
36 years$2,938$1,951$1,260$795$493$50
37 years$2,827$1,853$1,179$733$447$42
38 years$2,722$1,761$1,104$675$405$35
39 years$2,623$1,675$1,035$623$367$30
40 years$2,529$1,593$970$574$333$25
41 years$2,440$1,517$909$530$302$21
42 years$2,355$1,444$853$489$274$18
43 years$2,275$1,376$800$451$249$15
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$9
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 $3,176 every year, while hoping to spend $26,163 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: 55/23/22 Blend
42$1,850,000$1,850,000$1,850,000$1,850,000
43$2,041,976$1,943,926$1,915,251$2,141,878
44$2,222,420$2,011,341$1,951,575$2,278,095
45$2,420,393$2,081,183$1,988,238$2,423,339
46$2,637,655$2,153,542$2,025,226$2,580,957
47$2,876,144$2,228,514$2,062,519$2,752,143
48$3,137,997$2,306,197$2,100,100$2,938,211
49$3,425,566$2,386,694$2,137,946$3,140,607
50$3,741,443$2,470,112$2,176,037$3,360,924
51$4,088,483$2,556,560$2,214,347$3,600,912
52$4,469,832$2,646,156$2,252,852$3,862,500
53$4,888,955$2,739,017$2,291,522$4,147,812
54$5,349,669$2,835,270$2,330,329$4,459,184
55$5,856,180$2,935,043$2,369,240$4,799,189
56$6,413,122$3,038,472$2,408,221$5,170,661
57$7,025,600$3,145,696$2,447,236$5,576,720
58$7,699,238$3,256,862$2,486,245$6,020,801
59$8,440,234$3,372,122$2,525,208$6,506,687
60$9,255,414$3,491,633$2,564,079$7,038,545
61$10,152,304$3,615,560$2,602,813$7,620,964
62$11,139,190$3,744,073$2,641,358$8,258,997
63$12,225,206$3,877,352$2,679,662$8,958,211
64$13,420,415$4,015,580$2,717,669$9,724,738
65$14,735,905$4,158,951$2,755,319$10,565,329
66$16,183,893$4,307,665$2,792,548$11,487,426
67$17,777,841$4,461,932$2,829,289$12,499,221
68$19,532,582$4,621,968$2,865,471$13,609,742
69$21,464,460$4,788,000$2,901,020$14,828,933
70$23,591,487$4,960,263$2,935,856$16,167,748
71$25,933,506$5,139,003$2,969,894$17,638,257
72$28,512,385$5,324,476$3,003,048$19,253,754
73$31,352,221$5,516,948$3,035,222$21,028,888
74$34,479,564$5,716,695$3,066,318$22,979,795
75$37,923,672$5,924,006$3,096,233$25,124,255
76$41,716,787$6,139,182$3,124,856$27,481,856
77$45,894,433$6,362,536$3,152,073$30,074,182
78$50,495,759$6,594,394$3,177,762$32,925,009
79$55,563,904$6,835,096$3,201,793$36,060,538
80$61,146,402$7,084,996$3,224,034$39,509,634
81$67,295,638$7,344,464$3,244,342$43,304,105
82$74,069,333$7,613,882$3,262,567$47,478,995
83$81,531,095$7,893,653$3,278,553$52,072,917
84$89,751,018$8,184,193$3,292,136$57,128,419
85$98,806,341$8,485,938$3,303,142$62,692,381
86$108,782,180$8,799,341$3,311,389$68,816,461
87$119,772,328$9,124,875$3,316,687$75,557,577
88$131,880,145$9,463,033$3,318,835$82,978,449
89$145,219,526$9,814,328$3,317,622$91,148,186
90$159,915,984$10,179,296$3,312,829$100,142,939
91$176,107,828$10,558,495$3,304,223$110,046,622
92$193,947,474$10,952,509$3,291,561$120,951,697
93$213,602,877$11,361,943$3,274,590$132,960,053
94$235,259,124$11,787,432$3,253,042$146,183,963
95$259,120,174$12,229,635$3,226,638$160,747,141
96$285,410,787$12,689,242$3,195,086$176,785,915
97$314,378,643$13,166,971$3,158,077$194,450,509
98$346,296,683$13,663,571$3,115,291$213,906,458
99$381,465,683$14,179,825$3,066,392$235,336,177
100$420,217,094$14,716,546$3,011,026$258,940,674