Can I retire at age 43 with 1,900,000?

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 $1,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$156,900$155,503$154,139$152,808$151,509$145,497
2 years$77,673$76,227$74,825$73,465$72,147$66,165
3 years$51,268$49,815$48,417$47,070$45,773$40,009
4 years$38,068$36,619$35,235$33,911$32,646$27,144
5 years$30,150$28,710$27,344$26,047$24,817$19,590
6 years$24,873$23,444$22,098$20,830$19,637$14,689
7 years$21,105$19,688$18,363$17,126$15,970$11,300
8 years$18,280$16,876$15,574$14,366$13,249$8,851
9 years$16,085$14,694$13,414$12,237$11,157$7,026
10 years$14,329$12,952$11,694$10,548$9,506$5,633
11 years$12,894$11,530$10,295$9,180$8,176$4,551
12 years$11,698$10,349$9,137$8,052$7,085$3,699
13 years$10,688$9,353$8,163$7,109$6,178$3,021
14 years$9,822$8,501$7,335$6,310$5,416$2,477
15 years$9,073$7,766$6,622$5,628$4,769$2,037
16 years$8,418$7,125$6,004$5,039$4,214$1,679
17 years$7,840$6,562$5,463$4,528$3,737$1,387
18 years$7,328$6,064$4,987$4,080$3,323$1,148
19 years$6,869$5,620$4,566$3,687$2,962$951
20 years$6,457$5,222$4,190$3,339$2,645$789
21 years$6,085$4,864$3,854$3,031$2,367$655
22 years$5,747$4,540$3,552$2,755$2,122$544
23 years$5,439$4,247$3,280$2,509$1,905$452
24 years$5,157$3,979$3,033$2,289$1,712$376
25 years$4,898$3,734$2,809$2,090$1,541$313
26 years$4,660$3,509$2,606$1,911$1,388$261
27 years$4,439$3,303$2,420$1,749$1,251$217
28 years$4,235$3,112$2,249$1,603$1,129$181
29 years$4,045$2,936$2,093$1,470$1,019$151
30 years$3,868$2,773$1,950$1,349$921$126
31 years$3,702$2,621$1,818$1,239$833$105
32 years$3,548$2,480$1,696$1,139$753$87
33 years$3,403$2,349$1,583$1,047$682$73
34 years$3,266$2,226$1,479$963$617$61
35 years$3,138$2,111$1,383$887$559$51
36 years$3,018$2,004$1,294$817$507$42
37 years$2,904$1,903$1,211$752$459$35
38 years$2,796$1,809$1,134$694$416$29
39 years$2,694$1,720$1,063$640$377$24
40 years$2,598$1,636$996$590$342$20
41 years$2,506$1,558$934$544$311$17
42 years$2,419$1,484$876$502$282$14
43 years$2,336$1,414$822$464$256$12
44 years$2,257$1,347$772$428$232$10
45 years$2,182$1,285$725$395$211$8
46 years$2,111$1,226$681$365$191$7
47 years$2,043$1,170$639$337$174$6
48 years$1,977$1,117$601$312$158$5
49 years$1,915$1,066$565$288$143$4
50 years$1,855$1,019$531$266$130$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,900,000, adding $6,675 every year, while hoping to spend $30,746 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: 41/31/28 Blend
42$1,900,000$1,900,000$1,900,000$1,900,000
43$2,100,685$1,999,985$1,970,535$2,169,283
44$2,282,242$2,065,271$2,003,835$2,284,809
45$2,481,286$2,132,725$2,037,219$2,406,406
46$2,699,571$2,202,422$2,070,659$2,537,444
47$2,939,023$2,274,437$2,104,123$2,678,809
48$3,201,770$2,348,850$2,137,577$2,831,477
49$3,490,149$2,425,743$2,170,985$2,996,522
50$3,806,740$2,505,200$2,204,308$3,175,126
51$4,154,382$2,587,310$2,237,507$3,368,589
52$4,536,204$2,672,162$2,270,538$3,578,340
53$4,955,650$2,759,852$2,303,355$3,805,954
54$5,416,517$2,850,476$2,335,908$4,053,164
55$5,922,988$2,944,135$2,368,147$4,321,877
56$6,479,670$3,040,935$2,400,017$4,614,194
57$7,091,638$3,140,982$2,431,459$4,932,426
58$7,764,484$3,244,390$2,462,413$5,279,118
59$8,504,370$3,351,273$2,492,812$5,657,074
60$9,318,084$3,461,754$2,522,589$6,069,378
61$10,213,104$3,575,955$2,551,671$6,519,431
62$11,197,670$3,694,006$2,579,981$7,010,975
63$12,280,860$3,816,041$2,607,439$7,548,132
64$13,472,679$3,942,197$2,633,959$8,135,443
65$14,784,147$4,072,620$2,659,452$8,777,906
66$16,227,408$4,207,456$2,683,821$9,481,031
67$17,815,843$4,346,861$2,706,969$10,250,885
68$19,564,196$4,490,994$2,728,789$11,094,150
69$21,488,711$4,640,020$2,749,171$12,018,189
70$23,607,290$4,794,111$2,767,998$13,031,110
71$25,939,655$4,953,444$2,785,148$14,141,849
72$28,507,541$5,118,204$2,800,491$15,360,248
73$31,334,896$5,288,582$2,813,893$16,697,150
74$34,448,108$5,464,774$2,825,211$18,164,500
75$37,876,254$5,646,988$2,834,295$19,775,462
76$41,651,376$5,835,435$2,840,988$21,544,534
77$45,808,781$6,030,335$2,845,125$23,487,694
78$50,387,373$6,231,918$2,846,534$25,622,545
79$55,430,024$6,440,421$2,845,031$27,968,480
80$60,983,974$6,656,089$2,840,428$30,546,869
81$67,101,280$6,879,178$2,832,522$33,381,258
82$73,839,304$7,109,952$2,821,106$36,497,589
83$81,261,259$7,348,685$2,805,958$39,924,449
84$89,436,798$7,595,661$2,786,849$43,693,335
85$98,442,680$7,851,177$2,763,537$47,838,954
86$108,363,487$8,115,538$2,735,768$52,399,549
87$119,292,424$8,389,061$2,703,279$57,417,258
88$131,332,204$8,672,077$2,665,790$62,938,517
89$144,596,007$8,964,927$2,623,013$69,014,489
90$159,208,557$9,267,966$2,574,641$75,701,555
91$175,307,296$9,581,563$2,520,358$83,061,842
92$193,043,680$9,906,099$2,459,829$91,163,809
93$212,584,608$10,241,971$2,392,707$100,082,893
94$234,114,001$10,589,590$2,318,625$109,902,220
95$257,834,534$10,949,385$2,237,204$120,713,394
96$283,969,549$11,321,797$2,148,043$132,617,353
97$312,765,167$11,707,289$2,050,726$145,725,328
98$344,492,605$12,106,338$1,944,817$160,159,892
99$379,450,742$12,519,440$1,829,859$176,056,113
100$417,968,935$12,947,110$1,705,377$193,562,831