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%14.4%
1 years$156,900$155,503$154,139$152,808$151,509$148,754
2 years$77,673$76,227$74,825$73,465$72,147$69,382
3 years$51,268$49,815$48,417$47,070$45,773$43,083
4 years$38,068$36,619$35,235$33,911$32,646$30,052
5 years$30,150$28,710$27,344$26,047$24,817$22,326
6 years$24,873$23,444$22,098$20,830$19,637$17,253
7 years$21,105$19,688$18,363$17,126$15,970$13,693
8 years$18,280$16,876$15,574$14,366$13,249$11,078
9 years$16,085$14,694$13,414$12,237$11,157$9,092
10 years$14,329$12,952$11,694$10,548$9,506$7,544
11 years$12,894$11,530$10,295$9,180$8,176$6,315
12 years$11,698$10,349$9,137$8,052$7,085$5,322
13 years$10,688$9,353$8,163$7,109$6,178$4,511
14 years$9,822$8,501$7,335$6,310$5,416$3,842
15 years$9,073$7,766$6,622$5,628$4,769$3,284
16 years$8,418$7,125$6,004$5,039$4,214$2,816
17 years$7,840$6,562$5,463$4,528$3,737$2,422
18 years$7,328$6,064$4,987$4,080$3,323$2,087
19 years$6,869$5,620$4,566$3,687$2,962$1,802
20 years$6,457$5,222$4,190$3,339$2,645$1,559
21 years$6,085$4,864$3,854$3,031$2,367$1,350
22 years$5,747$4,540$3,552$2,755$2,122$1,171
23 years$5,439$4,247$3,280$2,509$1,905$1,017
24 years$5,157$3,979$3,033$2,289$1,712$883
25 years$4,898$3,734$2,809$2,090$1,541$768
26 years$4,660$3,509$2,606$1,911$1,388$668
27 years$4,439$3,303$2,420$1,749$1,251$582
28 years$4,235$3,112$2,249$1,603$1,129$507
29 years$4,045$2,936$2,093$1,470$1,019$442
30 years$3,868$2,773$1,950$1,349$921$385
31 years$3,702$2,621$1,818$1,239$833$336
32 years$3,548$2,480$1,696$1,139$753$293
33 years$3,403$2,349$1,583$1,047$682$256
34 years$3,266$2,226$1,479$963$617$223
35 years$3,138$2,111$1,383$887$559$195
36 years$3,018$2,004$1,294$817$507$170
37 years$2,904$1,903$1,211$752$459$149
38 years$2,796$1,809$1,134$694$416$130
39 years$2,694$1,720$1,063$640$377$113
40 years$2,598$1,636$996$590$342$99
41 years$2,506$1,558$934$544$311$87
42 years$2,419$1,484$876$502$282$76
43 years$2,336$1,414$822$464$256$66
44 years$2,257$1,347$772$428$232$58
45 years$2,182$1,285$725$395$211$50
46 years$2,111$1,226$681$365$191$44
47 years$2,043$1,170$639$337$174$39
48 years$1,977$1,117$601$312$158$34
49 years$1,915$1,066$565$288$143$29
50 years$1,855$1,019$531$266$130$26

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 $3,053 every year, while hoping to spend $25,290 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: 56/33/11 Blend
42$1,900,000$1,900,000$1,900,000$1,900,000
43$2,096,949$1,996,249$1,966,799$2,208,464
44$2,283,930$2,067,157$2,005,779$2,355,145
45$2,489,134$2,140,692$2,045,216$2,511,785
46$2,714,396$2,216,955$2,085,101$2,681,800
47$2,961,732$2,296,054$2,125,419$2,866,471
48$3,233,366$2,378,098$2,166,159$3,067,206
49$3,531,748$2,463,203$2,207,303$3,285,555
50$3,859,574$2,551,488$2,248,836$3,523,223
51$4,219,818$2,643,078$2,290,739$3,782,085
52$4,615,754$2,738,103$2,332,993$4,064,204
53$5,050,988$2,836,698$2,375,576$4,371,851
54$5,529,497$2,939,004$2,418,465$4,707,526
55$6,055,657$3,045,167$2,461,635$5,073,977
56$6,634,293$3,155,339$2,505,059$5,474,231
57$7,270,720$3,269,680$2,548,708$5,911,622
58$7,970,795$3,388,355$2,592,551$6,389,815
59$8,740,968$3,511,537$2,636,554$6,912,850
60$9,588,350$3,639,405$2,680,681$7,485,171
61$10,520,772$3,772,147$2,724,894$8,111,672
62$11,546,865$3,909,956$2,769,153$8,797,742
63$12,676,139$4,053,037$2,813,413$9,549,315
64$13,919,070$4,201,601$2,857,627$10,372,926
65$15,287,204$4,355,869$2,901,747$11,275,769
66$16,793,263$4,516,070$2,945,719$12,265,768
67$18,451,262$4,682,444$2,989,487$13,351,651
68$20,276,647$4,855,240$3,032,991$14,543,029
69$22,286,438$5,034,720$3,076,169$15,850,487
70$24,499,386$5,221,153$3,118,952$17,285,685
71$26,936,157$5,414,823$3,161,271$18,861,465
72$29,619,520$5,616,024$3,203,049$20,591,972
73$32,574,567$5,825,065$3,244,206$22,492,788
74$35,828,944$6,042,265$3,284,659$24,581,077
75$39,413,119$6,267,958$3,324,317$26,875,745
76$43,360,663$6,502,494$3,363,088$29,397,621
77$47,708,569$6,746,235$3,400,870$32,169,648
78$52,497,604$6,999,561$3,437,559$35,217,103
79$57,772,686$7,262,866$3,473,045$38,567,832
80$63,583,318$7,536,564$3,507,209$42,252,513
81$69,984,045$7,821,084$3,539,929$46,304,941
82$77,034,976$8,116,876$3,571,075$50,762,352
83$84,802,347$8,424,407$3,600,510$55,665,768
84$93,359,150$8,744,166$3,628,090$61,060,387
85$102,785,815$9,076,662$3,653,663$66,996,004
86$113,170,977$9,422,427$3,677,070$73,527,483
87$124,612,308$9,782,017$3,698,143$80,715,272
88$137,217,438$10,156,011$3,716,705$88,625,972
89$151,104,973$10,545,012$3,732,572$97,332,968
90$166,405,615$10,949,652$3,745,547$106,917,113
91$183,263,392$11,370,589$3,755,428$117,467,495
92$201,837,021$11,808,511$3,761,998$129,082,276
93$222,301,405$12,264,136$3,765,032$141,869,614
94$244,849,281$12,738,211$3,764,293$155,948,684
95$269,693,044$13,231,520$3,759,534$171,450,803
96$297,066,749$13,744,879$3,750,493$188,520,662
97$327,228,320$14,279,141$3,736,896$207,317,698
98$360,461,985$14,835,195$3,718,459$228,017,588
99$397,080,960$15,413,972$3,694,879$250,813,912
100$437,430,403$16,016,442$3,665,844$275,919,976