Can I retire at age 43 with 1,890,000?

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 $1,890,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$156,074$154,684$153,328$152,004$150,711$144,846
2 years$77,265$75,826$74,431$73,079$71,767$65,929
3 years$50,998$49,553$48,162$46,822$45,532$39,905
4 years$37,867$36,427$35,049$33,733$32,474$27,100
5 years$29,991$28,559$27,200$25,910$24,686$19,580
6 years$24,742$23,320$21,981$20,720$19,533$14,697
7 years$20,994$19,585$18,267$17,035$15,886$11,319
8 years$18,184$16,788$15,492$14,291$13,179$8,877
9 years$16,000$14,617$13,343$12,172$11,098$7,055
10 years$14,254$12,884$11,633$10,493$9,456$5,663
11 years$12,826$11,470$10,241$9,132$8,133$4,581
12 years$11,637$10,295$9,089$8,010$7,048$3,729
13 years$10,632$9,303$8,120$7,071$6,146$3,050
14 years$9,771$8,456$7,296$6,277$5,387$2,504
15 years$9,025$7,725$6,587$5,598$4,743$2,062
16 years$8,373$7,088$5,972$5,013$4,192$1,702
17 years$7,799$6,527$5,435$4,504$3,717$1,408
18 years$7,289$6,032$4,961$4,059$3,305$1,167
19 years$6,833$5,590$4,542$3,667$2,946$968
20 years$6,424$5,195$4,168$3,322$2,631$805
21 years$6,053$4,839$3,834$3,015$2,355$669
22 years$5,717$4,517$3,534$2,741$2,111$557
23 years$5,411$4,224$3,263$2,496$1,895$464
24 years$5,130$3,958$3,017$2,277$1,703$386
25 years$4,873$3,714$2,795$2,079$1,532$322
26 years$4,635$3,491$2,592$1,901$1,380$269
27 years$4,416$3,285$2,407$1,740$1,245$224
28 years$4,212$3,096$2,237$1,594$1,123$187
29 years$4,023$2,920$2,082$1,462$1,014$156
30 years$3,847$2,758$1,939$1,342$916$130
31 years$3,683$2,607$1,808$1,232$828$109
32 years$3,529$2,467$1,687$1,133$749$91
33 years$3,385$2,336$1,575$1,041$678$76
34 years$3,249$2,214$1,472$958$614$63
35 years$3,122$2,100$1,376$882$556$53
36 years$3,002$1,993$1,287$812$504$44
37 years$2,888$1,893$1,205$749$457$37
38 years$2,781$1,799$1,128$690$414$31
39 years$2,680$1,711$1,057$636$375$26
40 years$2,584$1,628$991$587$341$21
41 years$2,493$1,550$929$541$309$18
42 years$2,406$1,476$871$500$280$15
43 years$2,324$1,406$818$461$254$13
44 years$2,246$1,340$768$426$231$10
45 years$2,171$1,278$721$393$210$9
46 years$2,100$1,219$677$363$190$7
47 years$2,032$1,164$636$336$173$6
48 years$1,967$1,111$598$310$157$5
49 years$1,905$1,061$562$287$143$4
50 years$1,845$1,013$528$265$129$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,890,000, adding $3,208 every year, while hoping to spend $46,614 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: 68/12/20 Blend
42$1,890,000$1,890,000$1,890,000$1,890,000
43$2,086,089$1,985,919$1,956,624$2,217,382
44$2,249,273$2,033,632$1,972,574$2,353,304
45$2,427,540$2,082,121$1,987,496$2,496,206
46$2,622,378$2,131,374$2,001,306$2,651,397
47$2,835,428$2,181,378$2,013,917$2,820,085
48$3,068,494$2,232,118$2,025,236$3,003,602
49$3,323,564$2,283,576$2,035,165$3,203,416
50$3,602,826$2,335,730$2,043,602$3,421,143
51$3,908,692$2,388,558$2,050,440$3,658,565
52$4,243,815$2,442,034$2,055,566$3,917,643
53$4,611,118$2,496,128$2,058,862$4,200,540
54$5,013,821$2,550,807$2,060,203$4,509,638
55$5,455,470$2,606,035$2,059,458$4,847,565
56$5,939,968$2,661,772$2,056,491$5,217,211
57$6,471,619$2,717,973$2,051,157$5,621,767
58$7,055,161$2,774,589$2,043,307$6,064,746
59$7,695,811$2,831,569$2,032,782$6,550,018
60$8,399,321$2,888,852$2,019,417$7,081,852
61$9,172,022$2,946,376$2,003,038$7,664,949
62$10,020,892$3,004,072$1,983,463$8,304,492
63$10,953,616$3,061,865$1,960,503$9,006,191
64$11,978,662$3,119,673$1,933,956$9,776,340
65$13,105,357$3,177,409$1,903,616$10,621,875
66$14,343,979$3,234,978$1,869,262$11,550,440
67$15,705,849$3,292,276$1,830,667$12,570,459
68$17,203,442$3,349,194$1,787,591$13,691,218
69$18,850,500$3,405,612$1,739,782$14,922,947
70$20,662,167$3,461,402$1,686,980$16,276,924
71$22,655,124$3,516,427$1,628,910$17,765,576
72$24,847,753$3,570,538$1,565,285$19,402,601
73$27,260,307$3,623,578$1,495,805$21,203,092
74$29,915,101$3,675,376$1,420,158$23,183,688
75$32,836,724$3,725,752$1,338,015$25,362,722
76$36,052,265$3,774,509$1,249,034$27,760,400
77$39,591,577$3,821,441$1,152,858$30,398,992
78$43,487,551$3,866,325$1,049,112$33,303,041
79$47,776,430$3,908,923$937,406$36,499,595
80$52,498,148$3,948,983$817,331$40,018,465
81$57,696,711$3,986,235$688,463$43,892,503
82$63,420,605$4,020,390$550,356$48,157,916
83$69,723,259$4,051,141$402,546$52,854,608
84$76,663,547$4,078,163$244,547$58,026,554
85$84,306,343$4,101,107$75,853$63,722,221
86$92,723,132$4,119,604$0$69,995,023
87$101,992,686$4,133,259$0$76,926,053
88$112,201,806$4,141,655$0$84,576,677
89$123,446,142$4,144,347$0$93,002,308
90$135,831,091$4,140,863$0$102,281,868
91$149,472,799$4,130,702$0$112,502,328
92$164,499,250$4,113,332$0$123,759,525
93$181,051,476$4,088,187$0$136,159,072
94$199,284,888$4,054,669$0$149,817,351
95$219,370,742$4,012,144$0$164,862,615
96$241,497,755$3,959,936$0$181,436,194
97$265,873,886$3,897,333$0$199,693,833
98$292,728,298$3,823,578$0$219,807,162
99$322,313,522$3,737,871$0$241,965,316
100$354,907,836$3,639,362$0$266,376,719