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%11.8%
1 years$155,249$153,866$152,517$151,200$149,914$148,782
2 years$76,856$75,424$74,037$72,692$71,388$70,246
3 years$50,728$49,291$47,907$46,575$45,291$44,176
4 years$37,667$36,234$34,864$33,554$32,302$31,222
5 years$29,832$28,408$27,056$25,773$24,556$23,513
6 years$24,611$23,197$21,865$20,611$19,430$18,427
7 years$20,883$19,481$18,170$16,945$15,802$14,838
8 years$18,088$16,699$15,410$14,215$13,109$12,185
9 years$15,915$14,539$13,272$12,108$11,040$10,155
10 years$14,178$12,816$11,571$10,437$9,406$8,561
11 years$12,758$11,409$10,187$9,084$8,090$7,282
12 years$11,575$10,240$9,041$7,967$7,010$6,240
13 years$10,575$9,254$8,077$7,034$6,113$5,380
14 years$9,719$8,412$7,257$6,244$5,359$4,661
15 years$8,977$7,684$6,553$5,569$4,718$4,056
16 years$8,329$7,050$5,941$4,986$4,170$3,541
17 years$7,758$6,493$5,406$4,480$3,697$3,102
18 years$7,250$6,000$4,935$4,037$3,288$2,723
19 years$6,797$5,560$4,518$3,648$2,930$2,397
20 years$6,390$5,167$4,146$3,304$2,617$2,113
21 years$6,021$4,813$3,814$2,999$2,342$1,867
22 years$5,687$4,493$3,515$2,726$2,100$1,651
23 years$5,382$4,202$3,245$2,483$1,885$1,462
24 years$5,103$3,937$3,001$2,265$1,694$1,296
25 years$4,847$3,695$2,780$2,068$1,524$1,151
26 years$4,611$3,472$2,578$1,891$1,373$1,022
27 years$4,392$3,268$2,394$1,731$1,238$909
28 years$4,190$3,079$2,226$1,586$1,117$808
29 years$4,002$2,905$2,071$1,454$1,009$720
30 years$3,827$2,743$1,929$1,335$911$641
31 years$3,663$2,593$1,799$1,226$824$571
32 years$3,510$2,454$1,678$1,127$745$509
33 years$3,367$2,324$1,567$1,036$675$454
34 years$3,232$2,203$1,464$953$611$405
35 years$3,105$2,089$1,369$877$553$361
36 years$2,986$1,983$1,280$808$501$322
37 years$2,873$1,883$1,198$745$454$288
38 years$2,767$1,790$1,122$686$412$257
39 years$2,666$1,702$1,051$633$373$230
40 years$2,570$1,619$985$584$339$205
41 years$2,480$1,541$924$538$307$183
42 years$2,394$1,468$867$497$279$164
43 years$2,312$1,399$813$459$253$146
44 years$2,234$1,333$764$424$230$131
45 years$2,159$1,271$717$391$209$117
46 years$2,089$1,213$673$361$189$104
47 years$2,021$1,157$633$334$172$93
48 years$1,956$1,105$594$308$156$83
49 years$1,895$1,055$559$285$142$75
50 years$1,836$1,008$525$264$129$67

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 $6,274 every year, while hoping to spend $45,886 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: 45/27/28 Blend
42$1,880,000$1,880,000$1,880,000$1,880,000
43$2,078,232$1,978,592$1,949,452$2,154,681
44$2,241,389$2,026,720$1,965,936$2,257,780
45$2,419,650$2,075,669$1,981,435$2,364,634
46$2,614,508$2,125,431$1,995,866$2,479,643
47$2,827,605$2,175,994$2,009,145$2,603,593
48$3,060,750$2,227,347$2,021,180$2,737,353
49$3,315,935$2,279,475$2,031,878$2,881,878
50$3,595,352$2,332,361$2,041,138$3,038,223
51$3,901,418$2,385,987$2,048,856$3,207,550
52$4,236,792$2,440,329$2,054,922$3,391,140
53$4,604,403$2,495,364$2,059,220$3,590,404
54$5,007,477$2,551,061$2,061,629$3,806,900
55$5,449,567$2,607,391$2,062,021$4,042,344
56$5,934,588$2,664,318$2,060,264$4,298,629
57$6,466,849$2,721,803$2,056,216$4,577,840
58$7,051,100$2,779,804$2,049,731$4,882,279
59$7,692,570$2,838,272$2,040,655$5,214,480
60$8,397,021$2,897,156$2,028,826$5,577,239
61$9,170,799$2,956,399$2,014,074$5,973,640
62$10,020,898$3,015,940$1,996,223$6,407,081
63$10,955,019$3,075,711$1,975,086$6,881,308
64$11,981,649$3,135,638$1,950,468$7,400,452
65$13,110,134$3,195,642$1,922,167$7,969,069
66$14,350,776$3,255,636$1,889,967$8,592,180
67$15,714,920$3,315,527$1,853,646$9,275,320
68$17,215,069$3,375,215$1,812,970$10,024,593
69$18,864,995$3,434,590$1,767,694$10,846,728
70$20,679,875$3,493,535$1,717,562$11,749,143
71$22,676,428$3,551,923$1,662,306$12,740,017
72$24,873,076$3,609,620$1,601,645$13,828,366
73$27,290,117$3,666,479$1,535,288$15,024,130
74$29,949,916$3,722,344$1,462,927$16,338,266
75$32,877,115$3,777,046$1,384,243$17,782,855
76$36,098,866$3,830,407$1,298,900$19,371,214
77$39,645,087$3,882,233$1,206,550$21,118,023
78$43,548,743$3,932,319$1,106,826$23,039,467
79$47,846,156$3,980,445$999,347$25,153,385
80$52,577,353$4,026,375$883,713$27,479,444
81$57,786,434$4,069,859$759,509$30,039,323
82$63,521,997$4,110,629$626,299$32,856,920
83$69,837,590$4,148,399$483,629$35,958,576
84$76,792,218$4,182,864$331,025$39,373,330
85$84,450,901$4,213,701$167,991$43,133,191
86$92,885,285$4,240,564$0$47,273,439
87$102,174,318$4,263,086$0$51,834,758
88$112,404,996$4,280,875$0$56,911,901
89$123,673,184$4,293,516$0$62,502,046
90$136,084,518$4,300,568$0$68,657,453
91$149,755,403$4,301,560$0$75,435,711
92$164,814,112$4,295,994$0$82,900,289
93$181,401,994$4,283,340$0$91,121,131
94$199,674,811$4,263,037$0$100,175,317
95$219,804,204$4,234,488$0$110,147,796
96$241,979,316$4,197,061$0$121,132,182
97$266,408,574$4,150,086$0$133,231,642
98$293,321,659$4,092,850$0$146,559,872
99$322,971,670$4,024,601$0$161,242,170
100$355,637,515$3,944,542$0$177,416,617