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

Use the below retirement simulation to view the chances of a successful retirement.
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%20%
1 years$156,900$155,503$154,139$152,808$151,509$145,440
2 years$77,673$76,227$74,825$73,465$72,147$66,109
3 years$51,268$49,815$48,417$47,070$45,773$39,956
4 years$38,068$36,619$35,235$33,911$32,646$27,094
5 years$30,150$28,710$27,344$26,047$24,817$19,544
6 years$24,873$23,444$22,098$20,830$19,637$14,647
7 years$21,105$19,688$18,363$17,126$15,970$11,261
8 years$18,280$16,876$15,574$14,366$13,249$8,815
9 years$16,085$14,694$13,414$12,237$11,157$6,993
10 years$14,329$12,952$11,694$10,548$9,506$5,603
11 years$12,894$11,530$10,295$9,180$8,176$4,524
12 years$11,698$10,349$9,137$8,052$7,085$3,675
13 years$10,688$9,353$8,163$7,109$6,178$2,999
14 years$9,822$8,501$7,335$6,310$5,416$2,457
15 years$9,073$7,766$6,622$5,628$4,769$2,019
16 years$8,418$7,125$6,004$5,039$4,214$1,663
17 years$7,840$6,562$5,463$4,528$3,737$1,373
18 years$7,328$6,064$4,987$4,080$3,323$1,135
19 years$6,869$5,620$4,566$3,687$2,962$940
20 years$6,457$5,222$4,190$3,339$2,645$779
21 years$6,085$4,864$3,854$3,031$2,367$646
22 years$5,747$4,540$3,552$2,755$2,122$537
23 years$5,439$4,247$3,280$2,509$1,905$446
24 years$5,157$3,979$3,033$2,289$1,712$371
25 years$4,898$3,734$2,809$2,090$1,541$308
26 years$4,660$3,509$2,606$1,911$1,388$256
27 years$4,439$3,303$2,420$1,749$1,251$213
28 years$4,235$3,112$2,249$1,603$1,129$178
29 years$4,045$2,936$2,093$1,470$1,019$148
30 years$3,868$2,773$1,950$1,349$921$123
31 years$3,702$2,621$1,818$1,239$833$102
32 years$3,548$2,480$1,696$1,139$753$85
33 years$3,403$2,349$1,583$1,047$682$71
34 years$3,266$2,226$1,479$963$617$59
35 years$3,138$2,111$1,383$887$559$49
36 years$3,018$2,004$1,294$817$507$41
37 years$2,904$1,903$1,211$752$459$34
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$11
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 $3,602 every year, while hoping to spend $43,838 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: 59/16/25 Blend
42$1,900,000$1,900,000$1,900,000$1,900,000
43$2,097,515$1,996,815$1,967,365$2,206,942
44$2,264,819$2,048,016$1,986,629$2,333,137
45$2,447,718$2,100,256$2,005,068$2,465,699
46$2,647,757$2,153,541$2,022,610$2,609,352
47$2,866,637$2,207,873$2,039,176$2,765,182
48$3,106,230$2,263,255$2,054,685$2,934,386
49$3,368,598$2,319,687$2,069,049$3,118,283
50$3,656,012$2,377,169$2,082,180$3,318,325
51$3,970,972$2,435,697$2,093,980$3,536,114
52$4,316,233$2,495,268$2,104,350$3,773,413
53$4,694,828$2,555,875$2,113,184$4,032,166
54$5,110,097$2,617,509$2,120,373$4,314,516
55$5,565,719$2,680,160$2,125,798$4,622,823
56$6,065,749$2,743,814$2,129,338$4,959,688
57$6,614,650$2,808,456$2,130,866$5,327,980
58$7,217,340$2,874,066$2,130,246$5,730,856
59$7,879,236$2,940,623$2,127,336$6,171,801
60$8,606,306$3,008,101$2,121,990$6,654,650
61$9,405,124$3,076,473$2,114,051$7,183,634
62$10,282,933$3,145,706$2,103,358$7,763,415
63$11,247,709$3,215,763$2,089,738$8,399,129
64$12,308,245$3,286,604$2,073,013$9,096,439
65$13,474,223$3,358,185$2,052,996$9,861,585
66$14,756,313$3,430,455$2,029,490$10,701,446
67$16,166,269$3,503,359$2,002,291$11,623,602
68$17,717,042$3,576,838$1,971,181$12,636,407
69$19,422,901$3,650,824$1,935,936$13,749,071
70$21,299,567$3,725,245$1,896,321$14,971,741
71$23,364,363$3,800,021$1,852,087$16,315,603
72$25,636,373$3,875,068$1,802,978$17,792,985
73$28,136,627$3,950,290$1,748,721$19,417,474
74$30,888,296$4,025,587$1,689,036$21,204,046
75$33,916,909$4,100,847$1,623,625$23,169,206
76$37,250,597$4,175,953$1,552,181$25,331,143
77$40,920,359$4,250,775$1,474,379$27,709,908
78$44,960,347$4,325,174$1,389,882$30,327,595
79$49,408,196$4,399,002$1,298,338$33,208,558
80$54,305,376$4,472,097$1,199,376$36,379,638
81$59,697,581$4,544,286$1,092,611$39,870,415
82$65,635,161$4,615,383$977,641$43,713,493
83$72,173,601$4,685,190$854,045$47,944,802
84$79,374,037$4,753,493$721,384$52,603,945
85$87,303,836$4,820,062$579,198$57,734,566
86$96,037,236$4,884,653$427,010$63,384,767
87$105,656,037$4,947,004$264,317$69,607,562
88$116,250,380$5,006,835$90,599$76,461,375
89$127,919,595$5,063,846$0$84,010,600
90$140,773,138$5,117,719$0$92,351,486
91$154,931,623$5,168,112$0$101,564,395
92$170,527,962$5,214,663$0$111,711,487
93$187,708,617$5,256,984$0$122,887,923
94$206,634,983$5,294,663$0$135,198,570
95$227,484,911$5,327,262$0$148,758,987
96$250,454,386$5,354,312$0$163,696,520
97$275,759,378$5,375,317$0$180,151,503
98$303,637,875$5,389,749$0$198,278,584
99$334,352,137$5,397,045$0$218,248,180
100$368,191,165$5,396,610$0$240,248,094