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%17.6%
1 years$155,249$153,866$152,517$151,200$149,914$145,290
2 years$76,856$75,424$74,037$72,692$71,388$66,769
3 years$50,728$49,291$47,907$46,575$45,291$40,823
4 years$37,667$36,234$34,864$33,554$32,302$28,019
5 years$29,832$28,408$27,056$25,773$24,556$20,469
6 years$24,611$23,197$21,865$20,611$19,430$15,544
7 years$20,883$19,481$18,170$16,945$15,802$12,115
8 years$18,088$16,699$15,410$14,215$13,109$9,620
9 years$15,915$14,539$13,272$12,108$11,040$7,744
10 years$14,178$12,816$11,571$10,437$9,406$6,300
11 years$12,758$11,409$10,187$9,084$8,090$5,166
12 years$11,575$10,240$9,041$7,967$7,010$4,264
13 years$10,575$9,254$8,077$7,034$6,113$3,538
14 years$9,719$8,412$7,257$6,244$5,359$2,947
15 years$8,977$7,684$6,553$5,569$4,718$2,464
16 years$8,329$7,050$5,941$4,986$4,170$2,065
17 years$7,758$6,493$5,406$4,480$3,697$1,735
18 years$7,250$6,000$4,935$4,037$3,288$1,461
19 years$6,797$5,560$4,518$3,648$2,930$1,232
20 years$6,390$5,167$4,146$3,304$2,617$1,040
21 years$6,021$4,813$3,814$2,999$2,342$879
22 years$5,687$4,493$3,515$2,726$2,100$743
23 years$5,382$4,202$3,245$2,483$1,885$629
24 years$5,103$3,937$3,001$2,265$1,694$533
25 years$4,847$3,695$2,780$2,068$1,524$452
26 years$4,611$3,472$2,578$1,891$1,373$383
27 years$4,392$3,268$2,394$1,731$1,238$325
28 years$4,190$3,079$2,226$1,586$1,117$276
29 years$4,002$2,905$2,071$1,454$1,009$234
30 years$3,827$2,743$1,929$1,335$911$199
31 years$3,663$2,593$1,799$1,226$824$169
32 years$3,510$2,454$1,678$1,127$745$144
33 years$3,367$2,324$1,567$1,036$675$122
34 years$3,232$2,203$1,464$953$611$104
35 years$3,105$2,089$1,369$877$553$88
36 years$2,986$1,983$1,280$808$501$75
37 years$2,873$1,883$1,198$745$454$64
38 years$2,767$1,790$1,122$686$412$54
39 years$2,666$1,702$1,051$633$373$46
40 years$2,570$1,619$985$584$339$39
41 years$2,480$1,541$924$538$307$33
42 years$2,394$1,468$867$497$279$28
43 years$2,312$1,399$813$459$253$24
44 years$2,234$1,333$764$424$230$20
45 years$2,159$1,271$717$391$209$17
46 years$2,089$1,213$673$361$189$15
47 years$2,021$1,157$633$334$172$13
48 years$1,956$1,105$594$308$156$11
49 years$1,895$1,055$559$285$142$9
50 years$1,836$1,008$525$264$129$8

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 $4,096 every year, while hoping to spend $51,218 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: 65/21/14 Blend
42$1,880,000$1,880,000$1,880,000$1,880,000
43$2,075,985$1,976,345$1,947,205$2,203,795
44$2,233,240$2,018,690$1,957,941$2,332,091
45$2,404,818$2,061,394$1,967,320$2,465,896
46$2,592,127$2,104,419$1,975,242$2,610,834
47$2,796,714$2,147,727$1,981,603$2,767,989
48$3,020,286$2,191,272$1,986,294$2,938,558
49$3,264,719$2,235,008$1,989,198$3,123,857
50$3,532,079$2,278,882$1,990,195$3,325,340
51$3,824,642$2,322,838$1,989,158$3,544,604
52$4,144,914$2,366,816$1,985,953$3,783,412
53$4,495,653$2,410,748$1,980,440$4,043,705
54$4,879,899$2,454,563$1,972,474$4,327,624
55$5,300,996$2,498,185$1,961,900$4,637,527
56$5,762,632$2,541,530$1,948,557$4,976,010
57$6,268,863$2,584,508$1,932,277$5,345,938
58$6,824,161$2,627,023$1,912,882$5,750,466
59$7,433,450$2,668,971$1,890,188$6,193,072
60$8,102,152$2,710,241$1,864,000$6,677,588
61$8,836,243$2,750,714$1,834,115$7,208,238
62$9,642,302$2,790,261$1,800,320$7,789,677
63$10,527,579$2,828,747$1,762,394$8,427,035
64$11,500,061$2,866,024$1,720,102$9,125,968
65$12,568,543$2,901,935$1,673,202$9,892,706
66$13,742,718$2,936,314$1,621,438$10,734,119
67$15,033,263$2,968,981$1,564,543$11,657,776
68$16,451,940$2,999,745$1,502,240$12,672,022
69$18,011,709$3,028,403$1,434,236$13,786,052
70$19,726,847$3,054,739$1,360,226$15,010,001
71$21,613,084$3,078,519$1,279,892$16,355,040
72$23,687,751$3,099,500$1,192,901$17,833,482
73$25,969,944$3,117,417$1,098,906$19,458,895
74$28,480,700$3,131,993$997,541$21,246,238
75$31,243,201$3,142,930$888,429$23,211,993
76$34,282,988$3,149,914$771,171$25,374,329
77$37,628,202$3,152,608$645,354$27,753,271
78$41,309,850$3,150,658$510,545$30,370,889
79$45,362,099$3,143,685$366,293$33,251,508
80$49,822,595$3,131,287$212,125$36,421,936
81$54,732,818$3,113,039$47,550$39,911,723
82$60,138,477$3,088,488$0$43,753,435
83$66,089,934$3,057,157$0$48,002,098
84$72,642,686$3,018,536$0$52,686,961
85$79,857,883$2,972,088$0$57,844,598
86$87,802,908$2,917,241$0$63,523,150
87$96,552,010$2,853,392$0$69,775,666
88$106,187,007$2,779,900$0$76,660,612
89$116,798,055$2,696,088$0$84,242,416
90$128,484,498$2,601,238$0$92,592,081
91$141,355,810$2,494,591$0$101,787,855
92$155,532,621$2,375,344$0$111,915,968
93$171,147,860$2,242,648$0$123,071,450
94$188,348,007$2,095,603$0$135,359,025
95$207,294,475$1,933,259$0$148,894,105
96$228,165,135$1,754,613$0$163,803,875
97$251,155,991$1,558,601$0$180,228,500
98$276,483,032$1,344,102$0$198,322,444
99$304,384,268$1,109,930$0$218,255,933
100$335,121,980$854,832$0$240,216,561