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

Use the below retirement simulation to view the chances of a successful retirement.
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%14.7%
1 years$159,378$157,958$156,573$155,221$153,901$150,917
2 years$78,900$77,430$76,006$74,625$73,286$70,292
3 years$52,077$50,602$49,181$47,813$46,496$43,585
4 years$38,669$37,198$35,791$34,447$33,161$30,356
5 years$30,626$29,163$27,775$26,458$25,209$22,517
6 years$25,265$23,814$22,447$21,159$19,947$17,371
7 years$21,438$19,999$18,653$17,396$16,222$13,764
8 years$18,569$17,143$15,819$14,593$13,458$11,116
9 years$16,339$14,926$13,625$12,430$11,333$9,107
10 years$14,555$13,156$11,879$10,715$9,657$7,543
11 years$13,097$11,712$10,458$9,325$8,305$6,301
12 years$11,883$10,512$9,281$8,179$7,197$5,301
13 years$10,857$9,500$8,292$7,221$6,276$4,484
14 years$9,977$8,635$7,451$6,410$5,501$3,811
15 years$9,216$7,889$6,727$5,717$4,844$3,251
16 years$8,551$7,238$6,099$5,119$4,281$2,782
17 years$7,964$6,666$5,550$4,599$3,796$2,387
18 years$7,443$6,159$5,066$4,145$3,375$2,053
19 years$6,978$5,708$4,638$3,745$3,008$1,769
20 years$6,559$5,305$4,256$3,392$2,687$1,526
21 years$6,181$4,941$3,915$3,078$2,405$1,319
22 years$5,838$4,612$3,608$2,799$2,155$1,141
23 years$5,525$4,314$3,332$2,549$1,935$989
24 years$5,239$4,042$3,081$2,325$1,739$857
25 years$4,976$3,793$2,854$2,123$1,565$744
26 years$4,733$3,565$2,647$1,941$1,410$645
27 years$4,509$3,355$2,458$1,777$1,271$561
28 years$4,302$3,161$2,285$1,628$1,147$487
29 years$4,108$2,982$2,126$1,493$1,035$424
30 years$3,929$2,816$1,980$1,370$936$368
31 years$3,761$2,662$1,846$1,258$846$320
32 years$3,604$2,519$1,723$1,157$765$279
33 years$3,456$2,386$1,608$1,064$692$243
34 years$3,318$2,261$1,503$979$627$211
35 years$3,188$2,145$1,405$901$568$184
36 years$3,065$2,036$1,314$830$515$160
37 years$2,950$1,933$1,230$764$466$140
38 years$2,840$1,837$1,152$705$423$122
39 years$2,737$1,747$1,079$650$383$106
40 years$2,639$1,662$1,012$599$348$92
41 years$2,546$1,582$949$553$315$80
42 years$2,457$1,507$890$510$286$70
43 years$2,373$1,436$835$471$260$61
44 years$2,293$1,369$784$435$236$53
45 years$2,217$1,305$736$402$214$46
46 years$2,144$1,245$691$371$194$40
47 years$2,075$1,188$649$343$176$35
48 years$2,008$1,134$610$317$160$31
49 years$1,945$1,083$574$293$146$27
50 years$1,884$1,035$539$271$132$23

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 $5,480 every year, while hoping to spend $45,904 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: 77/15/8 Blend
42$1,930,000$1,930,000$1,930,000$1,930,000
43$2,132,513$2,030,223$2,000,308$2,293,863
44$2,301,187$2,080,862$2,018,476$2,451,287
45$2,485,529$2,132,444$2,035,715$2,617,386
46$2,687,085$2,184,967$2,051,945$2,798,162
47$2,907,564$2,238,426$2,067,081$2,995,055
48$3,148,843$2,292,817$2,081,036$3,209,652
49$3,412,991$2,348,131$2,093,716$3,443,698
50$3,702,286$2,404,358$2,105,025$3,699,117
51$4,019,235$2,461,488$2,114,860$3,978,028
52$4,366,601$2,519,506$2,123,112$4,282,763
53$4,747,427$2,578,394$2,129,669$4,615,892
54$5,165,064$2,638,134$2,134,412$4,980,246
55$5,623,201$2,698,704$2,137,215$5,378,942
56$6,125,905$2,760,077$2,137,949$5,815,415
57$6,677,652$2,822,226$2,136,475$6,293,450
58$7,283,375$2,885,117$2,132,649$6,817,213
59$7,948,506$2,948,715$2,126,320$7,391,298
60$8,679,031$3,012,980$2,117,330$8,020,763
61$9,481,543$3,077,866$2,105,510$8,711,183
62$10,363,304$3,143,325$2,090,689$9,468,698
63$11,332,316$3,209,303$2,072,682$10,300,075
64$12,397,394$3,275,741$2,051,299$11,212,767
65$13,568,249$3,342,573$2,026,338$12,214,990
66$14,855,580$3,409,729$1,997,590$13,315,794
67$16,271,175$3,477,132$1,964,836$14,525,150
68$17,828,022$3,544,698$1,927,844$15,854,048
69$19,540,427$3,612,336$1,886,374$17,314,594
70$21,424,158$3,679,947$1,840,175$18,920,130
71$23,496,584$3,747,426$1,788,982$20,685,356
72$25,776,842$3,814,657$1,732,520$22,626,471
73$28,286,020$3,881,515$1,670,500$24,761,327
74$31,047,353$3,947,868$1,602,620$27,109,591
75$34,086,440$4,013,571$1,528,566$29,692,940
76$37,431,491$4,078,470$1,448,006$32,535,256
77$41,113,586$4,142,398$1,360,597$35,662,861
78$45,166,974$4,205,177$1,265,979$39,104,757
79$49,629,390$4,266,616$1,163,775$42,892,904
80$54,542,418$4,326,510$1,053,591$47,062,523
81$59,951,876$4,384,641$935,018$51,652,424
82$65,908,252$4,440,772$807,625$56,705,375
83$72,467,178$4,494,655$670,965$62,268,509
84$79,689,958$4,546,021$524,570$68,393,762
85$87,644,142$4,594,584$367,952$75,138,369
86$96,404,166$4,640,040$200,600$82,565,401
87$106,052,052$4,682,063$21,981$90,744,364
88$116,678,185$4,720,307$0$99,751,851
89$128,382,161$4,754,404$0$109,686,665
90$141,273,730$4,783,959$0$120,630,365
91$155,473,833$4,808,555$0$132,683,628
92$171,115,736$4,827,746$0$145,959,468
93$188,346,297$4,841,061$0$160,582,422
94$207,327,342$4,847,996$0$176,689,731
95$228,237,200$4,848,017$0$194,432,628
96$251,272,381$4,840,557$0$213,977,771
97$276,649,433$4,825,014$0$235,508,815
98$304,606,984$4,800,747$0$259,228,143
99$335,407,992$4,767,080$0$285,358,782
100$369,342,233$4,723,293$0$314,146,503