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%13%
1 years$159,378$157,958$156,573$155,221$153,901$151,978
2 years$78,900$77,430$76,006$74,625$73,286$71,351
3 years$52,077$50,602$49,181$47,813$46,496$44,609
4 years$38,669$37,198$35,791$34,447$33,161$31,337
5 years$30,626$29,163$27,775$26,458$25,209$23,452
6 years$25,265$23,814$22,447$21,159$19,947$18,261
7 years$21,438$19,999$18,653$17,396$16,222$14,607
8 years$18,569$17,143$15,819$14,593$13,458$11,913
9 years$16,339$14,926$13,625$12,430$11,333$9,859
10 years$14,555$13,156$11,879$10,715$9,657$8,251
11 years$13,097$11,712$10,458$9,325$8,305$6,967
12 years$11,883$10,512$9,281$8,179$7,197$5,925
13 years$10,857$9,500$8,292$7,221$6,276$5,069
14 years$9,977$8,635$7,451$6,410$5,501$4,357
15 years$9,216$7,889$6,727$5,717$4,844$3,760
16 years$8,551$7,238$6,099$5,119$4,281$3,256
17 years$7,964$6,666$5,550$4,599$3,796$2,828
18 years$7,443$6,159$5,066$4,145$3,375$2,462
19 years$6,978$5,708$4,638$3,745$3,008$2,148
20 years$6,559$5,305$4,256$3,392$2,687$1,878
21 years$6,181$4,941$3,915$3,078$2,405$1,644
22 years$5,838$4,612$3,608$2,799$2,155$1,441
23 years$5,525$4,314$3,332$2,549$1,935$1,264
24 years$5,239$4,042$3,081$2,325$1,739$1,111
25 years$4,976$3,793$2,854$2,123$1,565$977
26 years$4,733$3,565$2,647$1,941$1,410$859
27 years$4,509$3,355$2,458$1,777$1,271$757
28 years$4,302$3,161$2,285$1,628$1,147$667
29 years$4,108$2,982$2,126$1,493$1,035$588
30 years$3,929$2,816$1,980$1,370$936$518
31 years$3,761$2,662$1,846$1,258$846$457
32 years$3,604$2,519$1,723$1,157$765$404
33 years$3,456$2,386$1,608$1,064$692$356
34 years$3,318$2,261$1,503$979$627$315
35 years$3,188$2,145$1,405$901$568$278
36 years$3,065$2,036$1,314$830$515$246
37 years$2,950$1,933$1,230$764$466$217
38 years$2,840$1,837$1,152$705$423$192
39 years$2,737$1,747$1,079$650$383$170
40 years$2,639$1,662$1,012$599$348$150
41 years$2,546$1,582$949$553$315$133
42 years$2,457$1,507$890$510$286$117
43 years$2,373$1,436$835$471$260$104
44 years$2,293$1,369$784$435$236$92
45 years$2,217$1,305$736$402$214$81
46 years$2,144$1,245$691$371$194$72
47 years$2,075$1,188$649$343$176$63
48 years$2,008$1,134$610$317$160$56
49 years$1,945$1,083$574$293$146$50
50 years$1,884$1,035$539$271$132$44

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 $3,871 every year, while hoping to spend $46,754 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: 41/44/15 Blend
42$1,930,000$1,930,000$1,930,000$1,930,000
43$2,130,853$2,028,563$1,998,648$2,208,633
44$2,298,454$2,078,217$2,015,857$2,313,620
45$2,481,583$2,128,736$2,032,075$2,422,301
46$2,681,776$2,180,115$2,047,220$2,538,925
47$2,900,720$2,232,344$2,061,206$2,664,237
48$3,140,278$2,285,413$2,073,940$2,799,060
49$3,402,496$2,339,308$2,085,326$2,944,298
50$3,689,630$2,394,014$2,095,265$3,100,947
51$4,004,165$2,449,513$2,103,649$3,270,105
52$4,348,835$2,505,784$2,110,366$3,452,981
53$4,726,653$2,562,805$2,115,301$3,650,908
54$5,140,938$2,620,548$2,118,329$3,865,353
55$5,595,342$2,678,984$2,119,322$4,097,934
56$6,093,892$2,738,079$2,118,144$4,350,432
57$6,641,020$2,797,796$2,114,653$4,624,813
58$7,241,610$2,858,094$2,108,700$4,923,241
59$7,901,042$2,918,928$2,100,129$5,248,100
60$8,625,240$2,980,247$2,088,775$5,602,020
61$9,420,732$3,041,998$2,074,467$5,987,899
62$10,294,710$3,104,119$2,057,025$6,408,930
63$11,255,095$3,166,545$2,036,260$6,868,633
64$12,310,615$3,229,206$2,011,975$7,370,888
65$13,470,884$3,292,023$1,983,962$7,919,972
66$14,746,495$3,354,913$1,952,005$8,520,597
67$16,149,118$3,417,784$1,915,878$9,177,960
68$17,691,610$3,480,539$1,875,343$9,897,789
69$19,388,139$3,543,069$1,830,151$10,686,396
70$21,254,310$3,605,261$1,780,042$11,550,739
71$23,307,322$3,666,990$1,724,745$12,498,491
72$25,566,120$3,728,125$1,663,976$13,538,105
73$28,051,582$3,788,520$1,597,436$14,678,902
74$30,786,709$3,848,023$1,524,816$15,931,157
75$33,796,845$3,906,468$1,445,789$17,306,194
76$37,109,917$3,963,679$1,360,017$18,816,495
77$40,756,695$4,019,465$1,267,144$20,475,823
78$44,771,083$4,073,625$1,166,799$22,299,344
79$49,190,442$4,125,940$1,058,594$24,303,778
80$54,055,934$4,176,179$942,125$26,507,555
81$59,412,922$4,224,094$816,968$28,930,990
82$65,311,385$4,269,420$682,682$31,596,474
83$71,806,400$4,311,875$538,805$34,528,691
84$78,958,653$4,351,157$384,856$37,754,847
85$86,835,019$4,386,947$220,332$41,304,930
86$95,509,185$4,418,901$44,707$45,211,997
87$105,062,351$4,446,657$0$49,512,482
88$115,583,994$4,469,826$0$54,269,387
89$127,172,711$4,487,997$0$59,513,257
90$139,937,150$4,500,732$0$65,285,815
91$153,997,037$4,507,564$0$71,640,942
92$169,484,299$4,508,000$0$78,638,015
93$186,544,319$4,501,514$0$86,342,477
94$205,337,299$4,487,547$0$94,826,454
95$226,039,774$4,465,507$0$104,169,434
96$248,846,281$4,434,767$0$114,459,022
97$273,971,191$4,394,660$0$125,791,766
98$301,650,734$4,344,480$0$138,274,073
99$332,145,226$4,283,476$0$152,023,213
100$365,741,528$4,210,856$0$167,168,429