Can I retire at age 43 with 1,930,000?

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 $1,930,000?

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 years$159,378$157,958$156,573$155,221$153,901$148,915
2 years$78,900$77,430$76,006$74,625$73,286$68,310
3 years$52,077$50,602$49,181$47,813$46,496$41,685
4 years$38,669$37,198$35,791$34,447$33,161$28,553
5 years$30,626$29,163$27,775$26,458$25,209$20,815
6 years$25,265$23,814$22,447$21,159$19,947$15,772
7 years$21,438$19,999$18,653$17,396$16,222$12,265
8 years$18,569$17,143$15,819$14,593$13,458$9,716
9 years$16,339$14,926$13,625$12,430$11,333$7,802
10 years$14,555$13,156$11,879$10,715$9,657$6,331
11 years$13,097$11,712$10,458$9,325$8,305$5,179
12 years$11,883$10,512$9,281$8,179$7,197$4,263
13 years$10,857$9,500$8,292$7,221$6,276$3,527
14 years$9,977$8,635$7,451$6,410$5,501$2,930
15 years$9,216$7,889$6,727$5,717$4,844$2,443
16 years$8,551$7,238$6,099$5,119$4,281$2,042
17 years$7,964$6,666$5,550$4,599$3,796$1,710
18 years$7,443$6,159$5,066$4,145$3,375$1,435
19 years$6,978$5,708$4,638$3,745$3,008$1,207
20 years$6,559$5,305$4,256$3,392$2,687$1,016
21 years$6,181$4,941$3,915$3,078$2,405$856
22 years$5,838$4,612$3,608$2,799$2,155$722
23 years$5,525$4,314$3,332$2,549$1,935$609
24 years$5,239$4,042$3,081$2,325$1,739$514
25 years$4,976$3,793$2,854$2,123$1,565$435
26 years$4,733$3,565$2,647$1,941$1,410$367
27 years$4,509$3,355$2,458$1,777$1,271$311
28 years$4,302$3,161$2,285$1,628$1,147$263
29 years$4,108$2,982$2,126$1,493$1,035$222
30 years$3,929$2,816$1,980$1,370$936$188
31 years$3,761$2,662$1,846$1,258$846$159
32 years$3,604$2,519$1,723$1,157$765$135
33 years$3,456$2,386$1,608$1,064$692$114
34 years$3,318$2,261$1,503$979$627$97
35 years$3,188$2,145$1,405$901$568$82
36 years$3,065$2,036$1,314$830$515$69
37 years$2,950$1,933$1,230$764$466$59
38 years$2,840$1,837$1,152$705$423$50
39 years$2,737$1,747$1,079$650$383$42
40 years$2,639$1,662$1,012$599$348$36
41 years$2,546$1,582$949$553$315$30
42 years$2,457$1,507$890$510$286$26
43 years$2,373$1,436$835$471$260$22
44 years$2,293$1,369$784$435$236$18
45 years$2,217$1,305$736$402$214$16
46 years$2,144$1,245$691$371$194$13
47 years$2,075$1,188$649$343$176$11
48 years$2,008$1,134$610$317$160$10
49 years$1,945$1,083$574$293$146$8
50 years$1,884$1,035$539$271$132$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,930,000, adding $5,447 every year, while hoping to spend $52,432 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: 30/42/28 Blend
42$1,930,000$1,930,000$1,930,000$1,930,000
43$2,132,479$2,030,189$2,000,274$2,177,957
44$2,294,204$2,073,881$2,011,496$2,257,639
45$2,470,668$2,117,956$2,021,336$2,338,351
46$2,663,319$2,162,379$2,029,694$2,424,142
47$2,873,751$2,207,108$2,036,461$2,515,489
48$3,103,718$2,252,101$2,041,527$2,612,922
49$3,355,152$2,297,309$2,044,773$2,717,024
50$3,630,181$2,342,680$2,046,076$2,828,439
51$3,931,145$2,388,158$2,045,306$2,947,880
52$4,260,625$2,433,680$2,042,327$3,076,132
53$4,621,460$2,479,181$2,036,995$3,214,064
54$5,016,776$2,524,589$2,029,162$3,362,635
55$5,450,019$2,569,825$2,018,670$3,522,905
56$5,924,980$2,614,806$2,005,355$3,696,041
57$6,445,838$2,659,441$1,989,045$3,883,337
58$7,017,193$2,703,634$1,969,558$4,086,217
59$7,644,114$2,747,279$1,946,705$4,306,258
60$8,332,183$2,790,265$1,920,289$4,545,197
61$9,087,548$2,832,470$1,890,101$4,804,955
62$9,916,983$2,873,767$1,855,925$5,087,651
63$10,827,950$2,914,016$1,817,532$5,395,625
64$11,828,667$2,953,069$1,774,686$5,731,461
65$12,928,190$2,990,768$1,727,137$6,098,011
66$14,136,493$3,026,944$1,674,624$6,498,422
67$15,464,567$3,061,416$1,616,876$6,936,170
68$16,924,518$3,093,990$1,553,606$7,415,090
69$18,529,685$3,124,462$1,484,518$7,939,415
70$20,294,764$3,152,611$1,409,300$8,513,816
71$22,235,944$3,178,203$1,327,626$9,143,450
72$24,371,065$3,200,990$1,239,156$9,834,004
73$26,719,780$3,220,705$1,143,534$10,591,758
74$29,303,745$3,237,067$1,040,390$11,423,639
75$32,146,818$3,249,774$929,334$12,337,291
76$35,275,289$3,258,508$809,962$13,341,146
77$38,718,123$3,262,930$681,850$14,444,508
78$42,507,235$3,262,677$544,556$15,657,644
79$46,677,793$3,257,368$397,619$16,991,876
80$51,268,544$3,246,596$240,556$18,459,696
81$56,322,186$3,229,929$72,864$20,074,885
82$61,885,762$3,206,909$0$21,852,642
83$68,011,112$3,177,050$0$23,841,430
84$74,755,358$3,139,838$0$26,053,335
85$82,181,441$3,094,726$0$28,487,132
86$90,358,718$3,041,137$0$31,165,495
87$99,363,611$2,978,457$0$34,113,418
88$109,280,336$2,906,038$0$37,358,455
89$120,201,687$2,823,191$0$40,930,979
90$132,229,922$2,729,190$0$44,864,475
91$145,477,717$2,623,264$0$49,195,853
92$160,069,239$2,504,598$0$53,965,801
93$176,141,309$2,372,331$0$59,219,171
94$193,844,698$2,225,551$0$65,005,405
95$213,345,547$2,063,293$0$71,379,002
96$234,826,937$1,884,538$0$78,400,038
97$258,490,613$1,688,208$0$86,134,734
98$284,558,890$1,473,166$0$94,656,082
99$313,276,753$1,238,206$0$104,044,543
100$344,914,162$982,059$0$114,388,803