Can I retire at age 43 with 1,860,000?

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 $1,860,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$153,597$152,229$150,894$149,591$148,319$146,770
2 years$76,038$74,622$73,250$71,919$70,628$69,068
3 years$50,189$48,766$47,397$46,079$44,809$43,287
4 years$37,266$35,848$34,493$33,197$31,958$30,485
5 years$29,515$28,106$26,768$25,499$24,294$22,875
6 years$24,349$22,950$21,633$20,392$19,223$17,859
7 years$20,661$19,274$17,977$16,765$15,634$14,325
8 years$17,896$16,521$15,246$14,064$12,970$11,717
9 years$15,746$14,385$13,131$11,979$10,922$9,725
10 years$14,027$12,679$11,448$10,326$9,306$8,164
11 years$12,622$11,288$10,079$8,987$8,004$6,915
12 years$11,452$10,131$8,945$7,883$6,936$5,899
13 years$10,463$9,156$7,991$6,959$6,048$5,063
14 years$9,615$8,322$7,180$6,178$5,302$4,367
15 years$8,882$7,602$6,483$5,509$4,668$3,781
16 years$8,241$6,975$5,878$4,933$4,126$3,286
17 years$7,675$6,424$5,348$4,432$3,658$2,864
18 years$7,173$5,936$4,882$3,994$3,253$2,502
19 years$6,725$5,501$4,470$3,609$2,899$2,191
20 years$6,322$5,112$4,102$3,269$2,590$1,922
21 years$5,957$4,762$3,773$2,967$2,317$1,689
22 years$5,626$4,445$3,477$2,697$2,077$1,486
23 years$5,325$4,157$3,211$2,457$1,865$1,309
24 years$5,049$3,895$2,969$2,241$1,676$1,154
25 years$4,795$3,655$2,750$2,046$1,508$1,019
26 years$4,562$3,435$2,551$1,871$1,358$900
27 years$4,346$3,233$2,369$1,713$1,225$796
28 years$4,146$3,047$2,202$1,569$1,105$704
29 years$3,959$2,874$2,049$1,439$998$623
30 years$3,786$2,714$1,909$1,321$902$552
31 years$3,624$2,566$1,779$1,213$815$489
32 years$3,473$2,428$1,660$1,115$737$433
33 years$3,331$2,299$1,550$1,025$667$384
34 years$3,198$2,179$1,448$943$604$341
35 years$3,072$2,067$1,354$868$547$302
36 years$2,954$1,962$1,267$800$496$268
37 years$2,843$1,863$1,186$737$449$238
38 years$2,737$1,771$1,110$679$407$211
39 years$2,637$1,684$1,040$626$369$188
40 years$2,543$1,602$975$577$335$166
41 years$2,453$1,525$914$533$304$148
42 years$2,368$1,452$858$492$276$131
43 years$2,287$1,384$805$454$250$117
44 years$2,210$1,319$755$419$227$104
45 years$2,136$1,258$709$387$206$92
46 years$2,066$1,200$666$358$187$82
47 years$2,000$1,145$626$330$170$73
48 years$1,936$1,093$588$305$154$65
49 years$1,874$1,044$553$282$140$57
50 years$1,816$997$520$261$127$51

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,860,000, adding $2,451 every year, while hoping to spend $21,074 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: 49/42/9 Blend
42$1,860,000$1,860,000$1,860,000$1,860,000
43$2,052,248$1,953,668$1,924,838$2,147,773
44$2,239,155$2,026,975$1,966,898$2,286,744
45$2,444,420$2,103,168$2,009,660$2,435,182
46$2,669,893$2,182,366$2,053,126$2,595,923
47$2,917,613$2,264,693$2,097,297$2,770,122
48$3,189,826$2,350,279$2,142,172$2,959,050
49$3,489,004$2,439,259$2,187,751$3,164,101
50$3,817,874$2,531,774$2,234,032$3,386,810
51$4,179,438$2,627,972$2,281,013$3,628,863
52$4,577,004$2,728,005$2,328,690$3,892,113
53$5,014,216$2,832,036$2,377,059$4,178,598
54$5,495,091$2,940,230$2,426,115$4,490,560
55$6,024,051$3,052,762$2,475,851$4,830,465
56$6,605,972$3,169,815$2,526,259$5,201,023
57$7,246,224$3,291,578$2,577,332$5,605,219
58$7,950,724$3,418,252$2,629,058$6,046,334
59$8,725,993$3,550,041$2,681,427$6,527,979
60$9,579,216$3,687,164$2,734,426$7,054,128
61$10,518,306$3,829,846$2,788,040$7,629,153
62$11,551,987$3,978,322$2,842,253$8,257,867
63$12,689,870$4,132,839$2,897,048$8,945,565
64$13,942,543$4,293,655$2,952,405$9,698,078
65$15,321,675$4,461,037$3,008,304$10,521,823
66$16,840,124$4,635,266$3,064,720$11,423,865
67$18,512,058$4,816,635$3,121,629$12,411,979
68$20,353,087$5,005,450$3,179,003$13,494,729
69$22,380,414$5,202,029$3,236,813$14,681,541
70$24,612,996$5,406,708$3,295,025$15,982,794
71$27,071,718$5,619,833$3,353,605$17,409,920
72$29,779,599$5,841,770$3,412,516$18,975,502
73$32,762,000$6,072,899$3,471,718$20,693,400
74$36,046,870$6,313,617$3,531,166$22,578,877
75$39,665,005$6,564,339$3,590,815$24,648,741
76$43,650,343$6,825,499$3,650,615$26,921,504
77$48,040,280$7,097,551$3,710,512$29,417,554
78$52,876,026$7,380,968$3,770,451$32,159,347
79$58,202,989$7,676,244$3,830,370$35,171,616
80$64,071,212$7,983,898$3,890,206$38,481,605
81$70,535,836$8,304,469$3,949,888$42,119,320
82$77,657,627$8,638,524$4,009,345$46,117,816
83$85,503,545$8,986,652$4,068,498$50,513,505
84$94,147,379$9,349,470$4,127,265$55,346,493
85$103,670,443$9,727,625$4,185,559$60,660,966
86$114,162,339$10,121,790$4,243,287$66,505,597
87$125,721,811$10,532,671$4,300,350$72,934,005
88$138,457,669$10,961,005$4,356,645$80,005,262
89$152,489,819$11,407,562$4,412,061$87,784,445
90$167,950,397$11,873,149$4,466,482$96,343,248
91$184,985,013$12,358,609$4,519,784$105,760,658
92$203,754,125$12,864,821$4,571,837$116,123,695
93$224,434,556$13,392,708$4,622,504$127,528,234
94$247,221,164$13,943,233$4,671,641$140,079,905
95$272,328,675$14,517,404$4,719,093$153,895,085
96$299,993,717$15,116,274$4,764,700$169,102,000
97$330,477,050$15,740,946$4,808,292$185,841,923
98$364,066,028$16,392,572$4,849,689$204,270,513
99$401,077,313$17,072,357$4,888,703$224,559,272
100$441,859,859$17,781,563$4,925,135$246,897,168