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%18.1%
1 years$156,900$155,503$154,139$152,808$151,509$146,541
2 years$77,673$76,227$74,825$73,465$72,147$67,190
3 years$51,268$49,815$48,417$47,070$45,773$40,982
4 years$38,068$36,619$35,235$33,911$32,646$28,057
5 years$30,150$28,710$27,344$26,047$24,817$20,443
6 years$24,873$23,444$22,098$20,830$19,637$15,481
7 years$21,105$19,688$18,363$17,126$15,970$12,032
8 years$18,280$16,876$15,574$14,366$13,249$9,526
9 years$16,085$14,694$13,414$12,237$11,157$7,645
10 years$14,329$12,952$11,694$10,548$9,506$6,200
11 years$12,894$11,530$10,295$9,180$8,176$5,068
12 years$11,698$10,349$9,137$8,052$7,085$4,169
13 years$10,688$9,353$8,163$7,109$6,178$3,447
14 years$9,822$8,501$7,335$6,310$5,416$2,862
15 years$9,073$7,766$6,622$5,628$4,769$2,384
16 years$8,418$7,125$6,004$5,039$4,214$1,991
17 years$7,840$6,562$5,463$4,528$3,737$1,667
18 years$7,328$6,064$4,987$4,080$3,323$1,398
19 years$6,869$5,620$4,566$3,687$2,962$1,174
20 years$6,457$5,222$4,190$3,339$2,645$987
21 years$6,085$4,864$3,854$3,031$2,367$831
22 years$5,747$4,540$3,552$2,755$2,122$701
23 years$5,439$4,247$3,280$2,509$1,905$591
24 years$5,157$3,979$3,033$2,289$1,712$499
25 years$4,898$3,734$2,809$2,090$1,541$421
26 years$4,660$3,509$2,606$1,911$1,388$356
27 years$4,439$3,303$2,420$1,749$1,251$300
28 years$4,235$3,112$2,249$1,603$1,129$254
29 years$4,045$2,936$2,093$1,470$1,019$215
30 years$3,868$2,773$1,950$1,349$921$182
31 years$3,702$2,621$1,818$1,239$833$154
32 years$3,548$2,480$1,696$1,139$753$130
33 years$3,403$2,349$1,583$1,047$682$110
34 years$3,266$2,226$1,479$963$617$93
35 years$3,138$2,111$1,383$887$559$79
36 years$3,018$2,004$1,294$817$507$67
37 years$2,904$1,903$1,211$752$459$56
38 years$2,796$1,809$1,134$694$416$48
39 years$2,694$1,720$1,063$640$377$40
40 years$2,598$1,636$996$590$342$34
41 years$2,506$1,558$934$544$311$29
42 years$2,419$1,484$876$502$282$25
43 years$2,336$1,414$822$464$256$21
44 years$2,257$1,347$772$428$232$18
45 years$2,182$1,285$725$395$211$15
46 years$2,111$1,226$681$365$191$13
47 years$2,043$1,170$639$337$174$11
48 years$1,977$1,117$601$312$158$9
49 years$1,915$1,066$565$288$143$8
50 years$1,855$1,019$531$266$130$6

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 $2,753 every year, while hoping to spend $38,556 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: 62/9/29 Blend
42$1,900,000$1,900,000$1,900,000$1,900,000
43$2,096,640$1,995,940$1,966,490$2,210,112
44$2,269,474$2,052,717$1,991,344$2,344,402
45$2,458,644$2,110,985$2,015,738$2,486,563
46$2,665,778$2,170,775$2,039,617$2,640,990
47$2,892,664$2,232,120$2,062,921$2,808,890
48$3,141,274$2,295,052$2,085,587$2,991,594
49$3,413,779$2,359,605$2,107,550$3,190,571
50$3,712,571$2,425,812$2,128,739$3,407,436
51$4,040,283$2,493,707$2,149,082$3,643,969
52$4,399,817$2,563,323$2,168,501$3,902,134
53$4,794,366$2,634,694$2,186,914$4,184,091
54$5,227,452$2,707,854$2,204,235$4,492,223
55$5,702,949$2,782,836$2,220,375$4,829,155
56$6,225,130$2,859,676$2,235,238$5,197,779
57$6,798,699$2,938,405$2,248,723$5,601,284
58$7,428,838$3,019,058$2,260,727$6,043,182
59$8,121,256$3,101,669$2,271,138$6,527,343
60$8,882,243$3,186,269$2,279,840$7,058,035
61$9,718,728$3,272,893$2,286,711$7,639,956
62$10,638,345$3,361,572$2,291,623$8,278,289
63$11,649,505$3,452,337$2,294,441$8,978,743
64$12,761,474$3,545,221$2,295,024$9,747,608
65$13,984,461$3,640,253$2,293,224$10,591,820
66$15,329,714$3,737,464$2,288,885$11,519,020
67$16,809,626$3,836,881$2,281,843$12,537,628
68$18,437,852$3,938,532$2,271,929$13,656,927
69$20,229,436$4,042,444$2,258,963$14,887,144
70$22,200,957$4,148,642$2,242,756$16,239,551
71$24,370,678$4,257,149$2,223,112$17,726,572
72$26,758,726$4,367,987$2,199,825$19,361,897
73$29,387,274$4,481,177$2,172,677$21,160,615
74$32,280,759$4,596,737$2,141,444$23,139,354
75$35,466,102$4,714,683$2,105,888$25,316,440
76$38,972,970$4,835,029$2,065,762$27,712,069
77$42,834,053$4,957,785$2,020,804$30,348,500
78$47,085,370$5,082,960$1,970,745$33,250,262
79$51,766,612$5,210,559$1,915,299$36,444,390
80$56,921,514$5,340,585$1,854,170$39,960,676
81$62,598,270$5,473,035$1,787,046$43,831,954
82$68,849,984$5,607,904$1,713,603$48,094,411
83$75,735,174$5,745,182$1,633,500$52,787,926
84$83,318,321$5,884,856$1,546,381$57,956,446
85$91,670,482$6,026,906$1,451,877$63,648,409
86$100,869,954$6,171,307$1,349,598$69,917,191
87$111,003,018$6,318,030$1,239,138$76,821,619
88$122,164,752$6,467,039$1,120,075$84,426,524
89$134,459,924$6,618,292$991,965$92,803,352
90$148,003,986$6,771,738$854,346$102,030,841
91$162,924,161$6,927,321$706,734$112,195,765
92$179,360,642$7,084,977$548,627$123,393,753
93$197,467,918$7,244,631$379,497$135,730,193
94$217,416,230$7,406,202$198,794$149,321,230
95$239,393,177$7,569,598$5,945$164,294,857
96$263,605,488$7,734,715$0$180,792,131
97$290,280,972$7,901,441$0$199,030,347
98$319,670,669$8,069,649$0$219,124,957
99$352,051,218$8,239,203$0$241,263,118
100$387,727,468$8,409,949$0$265,653,097