Can I retire at age 43 with 1,870,000?

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 $1,870,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$154,423$153,047$151,705$150,395$149,116$147,253
2 years$76,447$75,023$73,643$72,306$71,008$69,133
3 years$50,458$49,028$47,652$46,327$45,050$43,222
4 years$37,467$36,041$34,679$33,376$32,130$30,363
5 years$29,674$28,257$26,912$25,636$24,425$22,723
6 years$24,480$23,074$21,749$20,501$19,327$17,693
7 years$20,772$19,377$18,073$16,855$15,718$14,153
8 years$17,992$16,610$15,328$14,139$13,039$11,543
9 years$15,831$14,462$13,202$12,044$10,981$9,552
10 years$14,103$12,747$11,510$10,382$9,356$7,994
11 years$12,690$11,348$10,133$9,035$8,047$6,750
12 years$11,514$10,186$8,993$7,925$6,973$5,741
13 years$10,519$9,205$8,034$6,997$6,081$4,911
14 years$9,667$8,367$7,219$6,211$5,330$4,221
15 years$8,930$7,643$6,518$5,539$4,693$3,643
16 years$8,285$7,013$5,909$4,960$4,148$3,155
17 years$7,716$6,458$5,377$4,456$3,678$2,740
18 years$7,212$5,968$4,909$4,016$3,270$2,386
19 years$6,761$5,531$4,494$3,629$2,915$2,081
20 years$6,356$5,140$4,124$3,286$2,604$1,819
21 years$5,989$4,787$3,793$2,983$2,330$1,592
22 years$5,657$4,469$3,496$2,712$2,088$1,396
23 years$5,354$4,180$3,228$2,470$1,875$1,225
24 years$5,076$3,916$2,985$2,253$1,685$1,076
25 years$4,821$3,675$2,765$2,057$1,516$946
26 years$4,586$3,454$2,564$1,881$1,366$833
27 years$4,369$3,251$2,381$1,722$1,231$733
28 years$4,168$3,063$2,214$1,577$1,111$646
29 years$3,981$2,890$2,060$1,447$1,003$569
30 years$3,807$2,729$1,919$1,328$907$502
31 years$3,644$2,580$1,789$1,219$820$443
32 years$3,492$2,441$1,669$1,121$741$391
33 years$3,349$2,312$1,558$1,030$671$345
34 years$3,215$2,191$1,456$948$607$305
35 years$3,089$2,078$1,361$873$550$269
36 years$2,970$1,972$1,274$804$499$238
37 years$2,858$1,873$1,192$741$452$210
38 years$2,752$1,780$1,116$683$410$186
39 years$2,652$1,693$1,046$629$371$164
40 years$2,557$1,611$980$581$337$145
41 years$2,466$1,533$919$536$306$128
42 years$2,381$1,460$862$494$277$114
43 years$2,299$1,391$809$456$252$100
44 years$2,222$1,326$759$421$228$89
45 years$2,148$1,265$713$389$207$79
46 years$2,078$1,206$670$359$188$69
47 years$2,010$1,151$629$332$171$61
48 years$1,946$1,099$591$307$155$54
49 years$1,885$1,049$556$284$141$48
50 years$1,826$1,002$523$262$128$43

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,870,000, adding $2,559 every year, while hoping to spend $39,419 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: 78/7/15 Blend
42$1,870,000$1,870,000$1,870,000$1,870,000
43$2,063,380$1,964,270$1,935,285$2,217,620
44$2,231,903$2,018,577$1,958,175$2,373,936
45$2,416,294$2,074,225$1,980,511$2,540,097
46$2,618,131$2,131,237$2,002,233$2,721,261
47$2,839,149$2,189,636$2,023,277$2,918,914
48$3,081,261$2,249,447$2,043,575$3,134,690
49$3,346,573$2,310,693$2,063,058$3,370,391
50$3,637,404$2,373,398$2,081,651$3,628,000
51$3,956,308$2,437,583$2,099,276$3,909,703
52$4,306,099$2,503,272$2,115,849$4,217,906
53$4,689,876$2,570,487$2,131,284$4,555,263
54$5,111,051$2,639,249$2,145,490$4,924,693
55$5,573,384$2,709,578$2,158,370$5,329,416
56$6,081,017$2,781,496$2,169,824$5,772,977
57$6,638,512$2,855,020$2,179,744$6,259,283
58$7,250,895$2,930,170$2,188,019$6,792,638
59$7,923,700$3,006,963$2,194,533$7,377,783
60$8,663,028$3,085,415$2,199,160$8,019,943
61$9,475,598$3,165,541$2,201,773$8,724,875
62$10,368,811$3,247,354$2,202,234$9,498,921
63$11,350,824$3,330,868$2,200,403$10,349,071
64$12,430,619$3,416,092$2,196,128$11,283,026
65$13,618,098$3,503,036$2,189,253$12,309,269
66$14,924,165$3,591,706$2,179,615$13,437,152
67$16,360,837$3,682,107$2,167,039$14,676,977
68$17,941,354$3,774,242$2,151,346$16,040,096
69$19,680,302$3,868,110$2,132,346$17,539,018
70$21,593,754$3,963,708$2,109,841$19,187,528
71$23,699,419$4,061,032$2,083,623$21,000,817
72$26,016,810$4,160,073$2,053,475$22,995,620
73$28,567,426$4,260,818$2,019,168$25,190,385
74$31,374,958$4,363,252$1,980,464$27,605,434
75$34,465,508$4,467,356$1,937,113$30,263,166
76$37,867,838$4,573,105$1,888,856$33,188,261
77$41,613,642$4,680,472$1,835,417$36,407,917
78$45,737,842$4,789,423$1,776,511$39,952,106
79$50,278,917$4,899,920$1,711,840$43,853,855
80$55,279,270$5,011,920$1,641,090$48,149,559
81$60,785,624$5,125,372$1,563,935$52,879,326
82$66,849,465$5,240,222$1,480,034$58,087,353
83$73,527,523$5,356,406$1,389,028$63,822,347
84$80,882,316$5,473,855$1,290,545$70,137,979
85$88,982,729$5,592,491$1,184,196$77,093,396
86$97,904,672$5,712,228$1,069,571$84,753,779
87$107,731,793$5,832,972$946,246$93,190,955
88$118,556,268$5,954,619$813,777$102,484,078
89$130,479,667$6,077,055$671,699$112,720,375
90$143,613,919$6,200,157$519,526$123,995,971
91$158,082,362$6,323,788$356,754$136,416,795
92$174,020,911$6,447,802$182,853$150,099,581
93$191,579,338$6,572,038$0$165,172,970
94$210,922,685$6,696,322$0$181,779,163
95$232,232,825$6,820,468$0$200,105,206
96$255,710,174$6,944,272$0$220,294,056
97$281,575,585$7,067,514$0$242,535,534
98$310,072,431$7,189,959$0$267,038,816
99$341,468,904$7,311,353$0$294,034,410
100$376,060,544$7,431,420$0$323,776,329