Can I retire at age 43 with 1,880,000?

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 $1,880,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$155,249$153,866$152,517$151,200$149,914$145,465
2 years$76,856$75,424$74,037$72,692$71,388$66,942
3 years$50,728$49,291$47,907$46,575$45,291$40,988
4 years$37,667$36,234$34,864$33,554$32,302$28,175
5 years$29,832$28,408$27,056$25,773$24,556$20,616
6 years$24,611$23,197$21,865$20,611$19,430$15,681
7 years$20,883$19,481$18,170$16,945$15,802$12,243
8 years$18,088$16,699$15,410$14,215$13,109$9,738
9 years$15,915$14,539$13,272$12,108$11,040$7,854
10 years$14,178$12,816$11,571$10,437$9,406$6,401
11 years$12,758$11,409$10,187$9,084$8,090$5,260
12 years$11,575$10,240$9,041$7,967$7,010$4,350
13 years$10,575$9,254$8,077$7,034$6,113$3,616
14 years$9,719$8,412$7,257$6,244$5,359$3,019
15 years$8,977$7,684$6,553$5,569$4,718$2,529
16 years$8,329$7,050$5,941$4,986$4,170$2,124
17 years$7,758$6,493$5,406$4,480$3,697$1,789
18 years$7,250$6,000$4,935$4,037$3,288$1,509
19 years$6,797$5,560$4,518$3,648$2,930$1,275
20 years$6,390$5,167$4,146$3,304$2,617$1,079
21 years$6,021$4,813$3,814$2,999$2,342$914
22 years$5,687$4,493$3,515$2,726$2,100$775
23 years$5,382$4,202$3,245$2,483$1,885$658
24 years$5,103$3,937$3,001$2,265$1,694$559
25 years$4,847$3,695$2,780$2,068$1,524$475
26 years$4,611$3,472$2,578$1,891$1,373$404
27 years$4,392$3,268$2,394$1,731$1,238$343
28 years$4,190$3,079$2,226$1,586$1,117$292
29 years$4,002$2,905$2,071$1,454$1,009$249
30 years$3,827$2,743$1,929$1,335$911$212
31 years$3,663$2,593$1,799$1,226$824$180
32 years$3,510$2,454$1,678$1,127$745$153
33 years$3,367$2,324$1,567$1,036$675$131
34 years$3,232$2,203$1,464$953$611$111
35 years$3,105$2,089$1,369$877$553$95
36 years$2,986$1,983$1,280$808$501$81
37 years$2,873$1,883$1,198$745$454$69
38 years$2,767$1,790$1,122$686$412$59
39 years$2,666$1,702$1,051$633$373$50
40 years$2,570$1,619$985$584$339$43
41 years$2,480$1,541$924$538$307$36
42 years$2,394$1,468$867$497$279$31
43 years$2,312$1,399$813$459$253$26
44 years$2,234$1,333$764$424$230$22
45 years$2,159$1,271$717$391$209$19
46 years$2,089$1,213$673$361$189$16
47 years$2,021$1,157$633$334$172$14
48 years$1,956$1,105$594$308$156$12
49 years$1,895$1,055$559$285$142$10
50 years$1,836$1,008$525$264$129$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,880,000, adding $5,735 every year, while hoping to spend $46,019 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: 70/13/17 Blend
42$1,880,000$1,880,000$1,880,000$1,880,000
43$2,077,676$1,978,036$1,948,896$2,214,381
44$2,240,635$2,025,996$1,965,220$2,354,077
45$2,418,673$2,074,763$1,980,548$2,500,888
46$2,613,281$2,124,329$1,994,800$2,660,404
47$2,826,097$2,174,683$2,007,887$2,833,874
48$3,058,928$2,225,812$2,019,720$3,022,672
49$3,313,762$2,277,699$2,030,204$3,228,315
50$3,592,787$2,330,329$2,039,238$3,452,469
51$3,898,416$2,383,679$2,046,716$3,696,976
52$4,233,302$2,437,727$2,052,529$3,963,858
53$4,600,369$2,492,446$2,056,560$4,255,350
54$5,002,839$2,547,808$2,058,687$4,573,909
55$5,444,258$2,603,780$2,058,781$4,922,244
56$5,928,531$2,660,324$2,056,710$5,303,341
57$6,459,963$2,717,402$2,052,331$5,720,488
58$7,043,293$2,774,968$2,045,498$6,177,311
59$7,683,741$2,832,974$2,036,055$6,677,803
60$8,387,059$2,891,366$2,023,839$7,226,364
61$9,159,582$2,950,086$2,008,680$7,827,844
62$10,008,290$3,009,070$1,990,401$8,487,587
63$10,940,870$3,068,249$1,968,814$9,211,482
64$11,965,793$3,127,547$1,943,723$10,006,018
65$13,092,390$3,186,883$1,914,924$10,878,346
66$14,330,941$3,246,169$1,882,202$11,836,347
67$15,692,774$3,305,307$1,845,332$12,888,706
68$17,190,365$3,364,196$1,804,080$14,044,994
69$18,837,465$3,422,724$1,758,199$15,315,758
70$20,649,219$3,480,770$1,707,431$16,712,621
71$22,642,318$3,538,207$1,651,509$18,248,393
72$24,835,150$3,594,894$1,590,150$19,937,191
73$27,247,975$3,650,684$1,523,059$21,794,571
74$29,903,117$3,705,415$1,449,930$23,837,679
75$32,825,172$3,758,918$1,370,440$26,085,410
76$36,041,243$3,811,009$1,284,254$28,558,585
77$39,581,192$3,861,491$1,191,019$31,280,152
78$43,477,924$3,910,154$1,090,368$34,275,402
79$47,767,696$3,956,775$981,919$37,572,205
80$52,490,457$4,001,113$865,269$41,201,276
81$57,690,230$4,042,914$740,002$45,196,465
82$63,415,520$4,081,903$605,678$49,595,076
83$69,719,777$4,117,791$461,843$54,438,222
84$76,661,899$4,150,267$308,020$59,771,209
85$84,306,785$4,179,002$143,710$65,643,969
86$92,725,948$4,203,645$0$72,111,529
87$101,998,192$4,223,820$0$79,240,271
88$112,210,352$4,239,132$0$87,119,479
89$123,458,115$4,249,156$0$95,796,814
90$135,846,922$4,253,445$0$105,353,550
91$149,492,964$4,251,520$0$115,879,252
92$164,524,277$4,242,875$0$127,472,617
93$181,081,949$4,226,971$0$140,242,406
94$199,321,454$4,203,239$0$154,308,474
95$219,414,117$4,171,072$0$169,802,896
96$241,548,730$4,129,828$0$186,871,221
97$265,933,336$4,078,825$0$205,673,837
98$292,797,191$4,017,343$0$226,387,495
99$322,392,928$3,944,615$0$249,206,968
100$354,998,937$3,859,832$0$274,346,899