Can I retire at age 43 with 2,000,000?

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 $2,000,000?

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$165,158$163,687$162,252$160,851$159,483$156,391
2 years$81,761$80,239$78,763$77,332$75,944$72,841
3 years$53,966$52,437$50,965$49,547$48,182$45,166
4 years$40,071$38,547$37,089$35,696$34,364$31,457
5 years$31,737$30,221$28,783$27,418$26,123$23,333
6 years$26,182$24,678$23,261$21,926$20,670$18,001
7 years$22,216$20,724$19,330$18,027$16,810$14,263
8 years$19,243$17,765$16,393$15,122$13,946$11,519
9 years$16,931$15,467$14,120$12,881$11,744$9,437
10 years$15,083$13,634$12,310$11,103$10,007$7,816
11 years$13,572$12,137$10,837$9,663$8,606$6,530
12 years$12,314$10,894$9,618$8,476$7,458$5,493
13 years$11,250$9,845$8,593$7,483$6,503$4,647
14 years$10,339$8,949$7,721$6,643$5,701$3,949
15 years$9,550$8,175$6,971$5,924$5,020$3,369
16 years$8,861$7,500$6,320$5,304$4,436$2,883
17 years$8,253$6,907$5,751$4,766$3,934$2,474
18 years$7,713$6,383$5,250$4,295$3,497$2,127
19 years$7,231$5,915$4,806$3,881$3,117$1,833
20 years$6,797$5,497$4,411$3,515$2,785$1,582
21 years$6,406$5,120$4,057$3,190$2,492$1,367
22 years$6,050$4,779$3,739$2,900$2,234$1,183
23 years$5,726$4,470$3,452$2,642$2,005$1,024
24 years$5,429$4,188$3,193$2,409$1,802$888
25 years$5,156$3,930$2,957$2,200$1,622$770
26 years$4,905$3,694$2,743$2,012$1,461$669
27 years$4,673$3,476$2,547$1,841$1,317$581
28 years$4,458$3,276$2,368$1,687$1,188$505
29 years$4,258$3,090$2,203$1,547$1,073$439
30 years$4,071$2,919$2,052$1,420$970$382
31 years$3,897$2,759$1,913$1,304$877$332
32 years$3,734$2,611$1,785$1,198$793$289
33 years$3,582$2,472$1,667$1,102$718$252
34 years$3,438$2,343$1,557$1,014$650$219
35 years$3,304$2,222$1,456$933$588$191
36 years$3,176$2,109$1,362$860$533$166
37 years$3,057$2,003$1,275$792$483$145
38 years$2,943$1,904$1,194$730$438$126
39 years$2,836$1,811$1,119$673$397$110
40 years$2,734$1,723$1,048$621$360$96
41 years$2,638$1,640$983$573$327$83
42 years$2,546$1,562$922$529$297$73
43 years$2,459$1,488$865$488$269$63
44 years$2,376$1,418$812$451$244$55
45 years$2,297$1,352$763$416$222$48
46 years$2,222$1,290$716$384$201$42
47 years$2,150$1,231$673$355$183$37
48 years$2,081$1,175$632$328$166$32
49 years$2,016$1,122$594$303$151$28
50 years$1,953$1,072$559$280$137$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $2,000,000, adding $5,132 every year, while hoping to spend $28,120 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: 76/19/5 Blend
42$2,000,000$2,000,000$2,000,000$2,000,000
43$2,209,294$2,103,294$2,072,294$2,376,152
44$2,404,722$2,176,436$2,111,796$2,559,563
45$2,619,142$2,252,219$2,151,679$2,756,393
46$2,854,460$2,330,744$2,191,926$2,971,293
47$3,112,778$2,412,113$2,232,519$3,206,044
48$3,396,411$2,496,436$2,273,437$3,462,604
49$3,707,906$2,583,823$2,314,659$3,743,130
50$4,050,074$2,674,391$2,356,162$4,049,995
51$4,426,008$2,768,263$2,397,919$4,385,815
52$4,839,116$2,865,563$2,439,905$4,753,467
53$5,293,153$2,966,422$2,482,089$5,156,121
54$5,792,255$3,070,978$2,524,440$5,597,268
55$6,340,982$3,179,373$2,566,925$6,080,750
56$6,944,352$3,291,752$2,609,507$6,610,801
57$7,607,899$3,408,271$2,652,149$7,192,083
58$8,337,718$3,529,089$2,694,809$7,829,730
59$9,140,523$3,654,372$2,737,442$8,529,397
60$10,023,713$3,784,294$2,780,004$9,297,314
61$10,995,441$3,919,033$2,822,443$10,140,340
62$12,064,688$4,058,778$2,864,707$11,066,034
63$13,241,351$4,203,723$2,906,740$12,082,720
64$14,536,335$4,354,072$2,948,482$13,199,568
65$15,961,655$4,510,035$2,989,870$14,426,681
66$17,530,550$4,671,833$3,030,837$15,775,187
67$19,257,608$4,839,694$3,071,311$17,257,345
68$21,158,902$5,013,858$3,111,218$18,886,662
69$23,252,144$5,194,571$3,150,478$20,678,017
70$25,556,851$5,382,093$3,189,007$22,647,802
71$28,094,527$5,576,692$3,226,716$24,814,077
72$30,888,868$5,778,649$3,263,510$27,196,740
73$33,965,986$5,988,257$3,299,291$29,817,712
74$37,354,654$6,205,818$3,333,954$32,701,147
75$41,086,575$6,431,651$3,367,389$35,873,656
76$45,196,688$6,666,084$3,399,479$39,364,559
77$49,723,490$6,909,461$3,430,101$43,206,162
78$54,709,403$7,162,142$3,459,126$47,434,057
79$60,201,174$7,424,498$3,486,419$52,087,465
80$66,250,314$7,696,920$3,511,835$57,209,598
81$72,913,589$7,979,812$3,535,224$62,848,070
82$80,253,549$8,273,596$3,556,427$69,055,346
83$88,339,122$8,578,713$3,575,279$75,889,233
84$97,246,264$8,895,622$3,591,602$83,413,429
85$107,058,676$9,224,800$3,605,214$91,698,121
86$117,868,593$9,566,747$3,615,920$100,820,646
87$129,777,654$9,921,983$3,623,519$110,866,225
88$142,897,863$10,291,048$3,627,795$121,928,758
89$157,352,644$10,674,509$3,628,525$134,111,718
90$173,278,008$11,072,954$3,625,475$147,529,122
91$190,823,834$11,486,998$3,618,398$162,306,607
92$210,155,285$11,917,281$3,607,034$178,582,615
93$231,454,368$12,364,472$3,591,114$196,509,700
94$254,921,650$12,829,267$3,570,352$216,255,965
95$280,778,151$13,312,394$3,544,452$238,006,648
96$309,267,432$13,814,611$3,513,100$261,965,873
97$340,657,891$14,336,708$3,475,971$288,358,570
98$375,245,301$14,879,511$3,432,720$317,432,600
99$413,355,596$15,443,882$3,382,991$349,461,094
100$455,347,952$16,030,717$3,326,406$384,745,029