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%13.1%
1 years$157,726$156,321$154,950$153,612$152,306$150,341
2 years$78,082$76,628$75,219$73,852$72,527$70,549
3 years$51,538$50,077$48,671$47,318$46,014$44,086
4 years$38,268$36,812$35,420$34,090$32,818$30,954
5 years$30,308$28,861$27,488$26,184$24,947$23,154
6 years$25,004$23,567$22,214$20,940$19,740$18,018
7 years$21,216$19,792$18,460$17,216$16,054$14,405
8 years$18,377$16,965$15,656$14,442$13,318$11,742
9 years$16,169$14,771$13,484$12,301$11,216$9,711
10 years$14,405$13,020$11,756$10,604$9,557$8,122
11 years$12,962$11,591$10,350$9,228$8,219$6,854
12 years$11,760$10,404$9,185$8,095$7,122$5,825
13 years$10,744$9,402$8,206$7,146$6,211$4,980
14 years$9,874$8,546$7,373$6,344$5,444$4,278
15 years$9,121$7,807$6,657$5,657$4,794$3,690
16 years$8,462$7,163$6,036$5,066$4,237$3,193
17 years$7,882$6,597$5,492$4,551$3,756$2,771
18 years$7,366$6,095$5,014$4,102$3,340$2,411
19 years$6,906$5,649$4,590$3,706$2,977$2,102
20 years$6,491$5,250$4,212$3,357$2,659$1,836
21 years$6,117$4,890$3,874$3,046$2,380$1,606
22 years$5,778$4,564$3,571$2,770$2,133$1,406
23 years$5,468$4,269$3,297$2,523$1,915$1,233
24 years$5,185$4,000$3,049$2,301$1,721$1,083
25 years$4,924$3,754$2,824$2,101$1,549$951
26 years$4,684$3,528$2,619$1,921$1,395$836
27 years$4,463$3,320$2,432$1,759$1,258$736
28 years$4,257$3,128$2,261$1,611$1,135$648
29 years$4,066$2,951$2,104$1,478$1,025$571
30 years$3,888$2,787$1,960$1,356$926$503
31 years$3,722$2,635$1,827$1,245$837$443
32 years$3,566$2,493$1,705$1,145$757$391
33 years$3,421$2,361$1,592$1,052$685$345
34 years$3,284$2,238$1,487$968$620$304
35 years$3,155$2,122$1,391$891$562$269
36 years$3,034$2,014$1,301$821$509$237
37 years$2,919$1,913$1,218$756$461$209
38 years$2,811$1,818$1,140$697$418$185
39 years$2,708$1,729$1,068$643$379$163
40 years$2,611$1,645$1,001$593$344$144
41 years$2,519$1,566$939$547$312$127
42 years$2,432$1,491$881$505$283$113
43 years$2,349$1,421$826$466$257$99
44 years$2,269$1,354$776$430$233$88
45 years$2,194$1,292$728$397$212$78
46 years$2,122$1,232$684$367$192$69
47 years$2,053$1,176$643$339$175$61
48 years$1,988$1,122$604$313$159$54
49 years$1,925$1,072$568$290$144$47
50 years$1,865$1,024$534$268$131$42

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 $3,045 every year, while hoping to spend $41,251 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: 57/25/18 Blend
42$1,910,000$1,910,000$1,910,000$1,910,000
43$2,107,961$2,006,731$1,977,126$2,217,924
44$2,279,082$2,061,170$1,999,469$2,347,440
45$2,466,275$2,116,894$2,021,178$2,483,781
46$2,671,136$2,173,922$2,042,188$2,631,435
47$2,895,421$2,232,274$2,062,431$2,791,499
48$3,141,067$2,291,968$2,081,834$2,965,179
49$3,410,202$2,353,021$2,100,323$3,153,804
50$3,705,176$2,415,452$2,117,816$3,358,839
51$4,028,571$2,479,276$2,134,230$3,581,895
52$4,383,234$2,544,510$2,149,476$3,824,748
53$4,772,302$2,611,169$2,163,461$4,089,355
54$5,199,226$2,679,266$2,176,087$4,377,871
55$5,667,812$2,748,814$2,187,251$4,692,668
56$6,182,249$2,819,826$2,196,843$5,036,362
57$6,747,152$2,892,312$2,204,752$5,411,835
58$7,367,606$2,966,280$2,210,856$5,822,259
59$8,049,213$3,041,738$2,215,030$6,271,131
60$8,798,142$3,118,692$2,217,143$6,762,306
61$9,621,190$3,197,146$2,217,055$7,300,028
62$10,525,848$3,277,102$2,214,622$7,888,974
63$11,520,364$3,358,560$2,209,692$8,534,299
64$12,613,828$3,441,517$2,202,104$9,241,682
65$13,816,255$3,525,968$2,191,691$10,017,381
66$15,138,678$3,611,905$2,178,277$10,868,292
67$16,593,252$3,699,318$2,161,679$11,802,014
68$18,193,372$3,788,192$2,141,703$12,826,920
69$19,953,794$3,878,511$2,118,148$13,952,238
70$21,890,776$3,970,254$2,090,801$15,188,135
71$24,022,234$4,063,395$2,059,442$16,545,819
72$26,367,907$4,157,907$2,023,838$18,037,636
73$28,949,544$4,253,754$1,983,747$19,677,195
74$31,791,109$4,350,900$1,938,914$21,479,492
75$34,919,008$4,449,300$1,889,074$23,461,052
76$38,362,337$4,548,905$1,833,948$25,640,087
77$42,153,155$4,649,662$1,773,245$28,036,668
78$46,326,790$4,751,508$1,706,661$30,672,911
79$50,922,167$4,854,376$1,633,879$33,573,192
80$55,982,178$4,958,191$1,554,564$36,764,371
81$61,554,088$5,062,870$1,468,370$40,276,050
82$67,689,978$5,168,323$1,374,933$44,140,854
83$74,447,235$5,274,451$1,273,872$48,394,732
84$81,889,098$5,381,144$1,164,792$53,077,306
85$90,085,251$5,488,285$1,047,278$58,232,240
86$99,112,481$5,595,745$920,896$63,907,651
87$109,055,402$5,703,385$785,194$70,156,570
88$120,007,254$5,811,052$639,699$77,037,437
89$132,070,784$5,918,583$483,919$84,614,657
90$145,359,212$6,025,802$317,338$92,959,205
91$159,997,301$6,132,516$139,419$102,149,302
92$176,122,537$6,238,520$0$112,271,149
93$193,886,420$6,343,591$0$123,429,433
94$213,455,899$6,447,492$0$135,748,361
95$235,014,947$6,549,965$0$149,316,621
96$258,766,294$6,650,736$0$164,261,482
97$284,933,343$6,749,509$0$180,723,195
98$313,762,277$6,845,968$0$198,856,314
99$345,524,382$6,939,774$0$218,831,154
100$380,518,611$7,030,564$0$240,835,404