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%14.1%
1 years$154,423$153,047$151,705$150,395$149,116$146,586
2 years$76,447$75,023$73,643$72,306$71,008$68,466
3 years$50,458$49,028$47,652$46,327$45,050$42,576
4 years$37,467$36,041$34,679$33,376$32,130$29,744
5 years$29,674$28,257$26,912$25,636$24,425$22,132
6 years$24,480$23,074$21,749$20,501$19,327$17,130
7 years$20,772$19,377$18,073$16,855$15,718$13,619
8 years$17,992$16,610$15,328$14,139$13,039$11,037
9 years$15,831$14,462$13,202$12,044$10,981$9,074
10 years$14,103$12,747$11,510$10,382$9,356$7,544
11 years$12,690$11,348$10,133$9,035$8,047$6,326
12 years$11,514$10,186$8,993$7,925$6,973$5,342
13 years$10,519$9,205$8,034$6,997$6,081$4,537
14 years$9,667$8,367$7,219$6,211$5,330$3,871
15 years$8,930$7,643$6,518$5,539$4,693$3,316
16 years$8,285$7,013$5,909$4,960$4,148$2,850
17 years$7,716$6,458$5,377$4,456$3,678$2,456
18 years$7,212$5,968$4,909$4,016$3,270$2,121
19 years$6,761$5,531$4,494$3,629$2,915$1,836
20 years$6,356$5,140$4,124$3,286$2,604$1,592
21 years$5,989$4,787$3,793$2,983$2,330$1,382
22 years$5,657$4,469$3,496$2,712$2,088$1,201
23 years$5,354$4,180$3,228$2,470$1,875$1,045
24 years$5,076$3,916$2,985$2,253$1,685$910
25 years$4,821$3,675$2,765$2,057$1,516$793
26 years$4,586$3,454$2,564$1,881$1,366$692
27 years$4,369$3,251$2,381$1,722$1,231$604
28 years$4,168$3,063$2,214$1,577$1,111$528
29 years$3,981$2,890$2,060$1,447$1,003$461
30 years$3,807$2,729$1,919$1,328$907$403
31 years$3,644$2,580$1,789$1,219$820$352
32 years$3,492$2,441$1,669$1,121$741$308
33 years$3,349$2,312$1,558$1,030$671$269
34 years$3,215$2,191$1,456$948$607$236
35 years$3,089$2,078$1,361$873$550$206
36 years$2,970$1,972$1,274$804$499$181
37 years$2,858$1,873$1,192$741$452$158
38 years$2,752$1,780$1,116$683$410$138
39 years$2,652$1,693$1,046$629$371$121
40 years$2,557$1,611$980$581$337$106
41 years$2,466$1,533$919$536$306$93
42 years$2,381$1,460$862$494$277$81
43 years$2,299$1,391$809$456$252$71
44 years$2,222$1,326$759$421$228$63
45 years$2,148$1,265$713$389$207$55
46 years$2,078$1,206$670$359$188$48
47 years$2,010$1,151$629$332$171$42
48 years$1,946$1,099$591$307$155$37
49 years$1,885$1,049$556$284$141$32
50 years$1,826$1,002$523$262$128$28

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 $4,699 every year, while hoping to spend $46,350 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: 56/20/24 Blend
42$1,870,000$1,870,000$1,870,000$1,870,000
43$2,065,587$1,966,477$1,937,492$2,167,494
44$2,226,961$2,013,518$1,953,082$2,284,877
45$2,403,241$2,061,311$1,967,641$2,407,418
46$2,595,900$2,109,844$1,981,085$2,539,949
47$2,806,557$2,159,101$1,993,326$2,683,444
48$3,036,996$2,209,067$2,004,273$2,838,978
49$3,289,182$2,259,723$2,013,828$3,007,736
50$3,565,276$2,311,048$2,021,889$3,191,023
51$3,867,660$2,363,015$2,028,349$3,390,276
52$4,198,958$2,415,600$2,033,095$3,607,080
53$4,562,057$2,468,769$2,036,009$3,843,183
54$4,960,139$2,522,491$2,036,967$4,100,510
55$5,396,707$2,576,726$2,035,839$4,381,182
56$5,875,619$2,631,434$2,032,488$4,687,539
57$6,401,127$2,686,569$2,026,771$5,022,158
58$6,977,912$2,742,081$2,018,537$5,387,882
59$7,611,130$2,797,915$2,007,630$5,787,842
60$8,306,463$2,854,010$1,993,883$6,225,491
61$9,070,169$2,910,303$1,977,125$6,704,634
62$9,909,141$2,966,723$1,957,173$7,229,465
63$10,830,973$3,023,192$1,933,838$7,804,609
64$11,844,031$3,079,627$1,906,921$8,435,161
65$12,957,533$3,135,940$1,876,213$9,126,739
66$14,181,633$3,192,032$1,841,498$9,885,536
67$15,527,517$3,247,799$1,802,546$10,718,377
68$17,007,511$3,303,129$1,759,118$11,632,785
69$18,635,195$3,357,899$1,710,966$12,637,054
70$20,425,529$3,411,981$1,657,828$13,740,323
71$22,394,998$3,465,233$1,599,430$14,952,670
72$24,561,763$3,517,505$1,535,487$16,285,200
73$26,945,837$3,568,637$1,465,700$17,750,154
74$29,569,268$3,618,455$1,389,756$19,361,027
75$32,456,350$3,666,776$1,307,329$21,132,691
76$35,633,851$3,713,401$1,218,078$23,081,539
77$39,131,266$3,758,121$1,121,646$25,225,641
78$42,981,095$3,800,708$1,017,661$27,584,914
79$47,219,147$3,840,923$905,733$30,181,309
80$51,884,880$3,878,509$785,456$33,039,023
81$57,021,774$3,913,192$656,405$36,184,726
82$62,677,738$3,944,681$518,136$39,647,811
83$68,905,561$3,972,664$370,188$43,460,677
84$75,763,415$3,996,812$212,076$47,659,035
85$83,315,399$4,016,772$43,297$52,282,241
86$91,632,145$4,032,169$0$57,373,677
87$100,791,485$4,042,606$0$63,016,190
88$110,879,182$4,047,659$0$69,241,549
89$121,989,744$4,046,880$0$76,096,883
90$134,227,311$4,039,790$0$83,646,358
91$147,706,640$4,025,883$0$91,960,684
92$162,554,187$4,004,621$0$101,117,786
93$178,909,300$3,975,433$0$111,203,539
94$196,925,534$3,937,715$0$122,312,575
95$216,772,100$3,890,825$0$134,549,182
96$238,635,461$3,834,082$0$148,028,287
97$262,721,092$3,766,765$0$162,876,540
98$289,255,418$3,688,112$0$179,233,511
99$318,487,955$3,597,313$0$197,253,009
100$350,693,657$3,493,512$0$217,104,534