Can I retire at age 43 with 1,910,000?

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 $1,910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$157,726$156,321$154,950$153,612$152,306$148,144
2 years$78,082$76,628$75,219$73,852$72,527$68,363
3 years$51,538$50,077$48,671$47,318$46,014$41,980
4 years$38,268$36,812$35,420$34,090$32,818$28,944
5 years$30,308$28,861$27,488$26,184$24,947$21,245
6 years$25,004$23,567$22,214$20,940$19,740$16,213
7 years$21,216$19,792$18,460$17,216$16,054$12,702
8 years$18,377$16,965$15,656$14,442$13,318$10,139
9 years$16,169$14,771$13,484$12,301$11,216$8,207
10 years$14,405$13,020$11,756$10,604$9,557$6,714
11 years$12,962$11,591$10,350$9,228$8,219$5,538
12 years$11,760$10,404$9,185$8,095$7,122$4,598
13 years$10,744$9,402$8,206$7,146$6,211$3,838
14 years$9,874$8,546$7,373$6,344$5,444$3,217
15 years$9,121$7,807$6,657$5,657$4,794$2,707
16 years$8,462$7,163$6,036$5,066$4,237$2,284
17 years$7,882$6,597$5,492$4,551$3,756$1,931
18 years$7,366$6,095$5,014$4,102$3,340$1,637
19 years$6,906$5,649$4,590$3,706$2,977$1,389
20 years$6,491$5,250$4,212$3,357$2,659$1,181
21 years$6,117$4,890$3,874$3,046$2,380$1,005
22 years$5,778$4,564$3,571$2,770$2,133$856
23 years$5,468$4,269$3,297$2,523$1,915$730
24 years$5,185$4,000$3,049$2,301$1,721$623
25 years$4,924$3,754$2,824$2,101$1,549$532
26 years$4,684$3,528$2,619$1,921$1,395$454
27 years$4,463$3,320$2,432$1,759$1,258$388
28 years$4,257$3,128$2,261$1,611$1,135$332
29 years$4,066$2,951$2,104$1,478$1,025$284
30 years$3,888$2,787$1,960$1,356$926$243
31 years$3,722$2,635$1,827$1,245$837$208
32 years$3,566$2,493$1,705$1,145$757$178
33 years$3,421$2,361$1,592$1,052$685$152
34 years$3,284$2,238$1,487$968$620$130
35 years$3,155$2,122$1,391$891$562$112
36 years$3,034$2,014$1,301$821$509$96
37 years$2,919$1,913$1,218$756$461$82
38 years$2,811$1,818$1,140$697$418$70
39 years$2,708$1,729$1,068$643$379$60
40 years$2,611$1,645$1,001$593$344$51
41 years$2,519$1,566$939$547$312$44
42 years$2,432$1,491$881$505$283$38
43 years$2,349$1,421$826$466$257$32
44 years$2,269$1,354$776$430$233$28
45 years$2,194$1,292$728$397$212$24
46 years$2,122$1,232$684$367$192$20
47 years$2,053$1,176$643$339$175$17
48 years$1,988$1,122$604$313$159$15
49 years$1,925$1,072$568$290$144$13
50 years$1,865$1,024$534$268$131$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,910,000, adding $5,915 every year, while hoping to spend $31,330 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: 59/35/6 Blend
42$1,910,000$1,910,000$1,910,000$1,910,000
43$2,110,921$2,009,691$1,980,086$2,232,638
44$2,292,900$2,074,831$2,013,084$2,380,048
45$2,492,391$2,142,113$2,046,138$2,536,589
46$2,711,147$2,211,609$2,079,215$2,706,472
47$2,951,099$2,283,392$2,112,284$2,890,978
48$3,214,373$2,357,541$2,145,307$3,091,517
49$3,503,313$2,434,134$2,178,249$3,309,638
50$3,820,498$2,513,254$2,211,068$3,547,047
51$4,168,771$2,594,986$2,243,721$3,805,620
52$4,551,264$2,679,418$2,276,163$4,087,424
53$4,971,425$2,766,641$2,308,347$4,394,730
54$5,433,055$2,856,751$2,340,221$4,730,043
55$5,940,338$2,949,844$2,371,730$5,096,115
56$6,497,888$3,046,021$2,402,818$5,495,979
57$7,110,784$3,145,388$2,433,424$5,932,974
58$7,784,624$3,248,052$2,463,484$6,410,773
59$8,525,575$3,354,126$2,492,930$6,933,424
60$9,340,431$3,463,725$2,521,691$7,505,382
61$10,236,677$3,576,970$2,549,690$8,131,555
62$11,222,562$3,693,985$2,576,848$8,817,344
63$12,307,172$3,814,899$2,603,080$9,568,702
64$13,500,519$3,939,844$2,628,299$10,392,180
65$14,813,634$4,068,959$2,652,410$11,294,996
66$16,258,674$4,202,387$2,675,315$12,285,100
67$17,849,030$4,340,276$2,696,909$13,371,247
68$19,599,460$4,482,778$2,717,084$14,563,083
69$21,526,223$4,630,052$2,735,725$15,871,228
70$23,647,236$4,782,263$2,752,709$17,307,387
71$25,982,240$4,939,580$2,767,911$18,884,448
72$28,552,989$5,102,180$2,781,197$20,616,612
73$31,383,452$5,270,245$2,792,425$22,519,523
74$34,500,041$5,443,963$2,801,448$24,610,412
75$37,931,859$5,623,532$2,808,111$26,908,264
76$41,710,977$5,809,153$2,812,251$29,433,996
77$45,872,732$6,001,037$2,813,696$32,210,651
78$50,456,063$6,199,400$2,812,268$35,263,614
79$55,503,881$6,404,470$2,807,778$38,620,856
80$61,063,466$6,616,479$2,800,028$42,313,192
81$67,186,923$6,835,669$2,788,812$46,374,576
82$73,931,664$7,062,292$2,773,912$50,842,414
83$81,360,956$7,296,606$2,755,100$55,757,924
84$89,544,516$7,538,883$2,732,139$61,166,519
85$98,559,169$7,789,400$2,704,778$67,118,235
86$108,489,571$8,048,448$2,672,755$73,668,204
87$119,429,012$8,316,326$2,635,797$80,877,176
88$131,480,291$8,593,346$2,593,616$88,812,085
89$144,756,690$8,879,830$2,545,911$97,546,684
90$159,383,042$9,176,111$2,492,369$107,162,242
91$175,496,909$9,482,537$2,432,660$117,748,305
92$193,249,880$9,799,468$2,366,440$129,403,544
93$212,809,000$10,127,274$2,293,349$142,236,684
94$234,358,352$10,466,344$2,213,009$156,367,530
95$258,100,786$10,817,078$2,125,028$171,928,095
96$284,259,842$11,179,890$2,028,992$189,063,846
97$313,081,855$11,555,213$1,924,472$207,935,079
98$344,838,279$11,943,493$1,811,016$228,718,423
99$379,828,253$12,345,195$1,688,156$251,608,516
100$418,381,424$12,760,798$1,555,398$276,819,832