Can I retire at age 43 with 400,000?

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 $400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$33,032$32,737$32,450$32,170$31,897$31,317
2 years$16,352$16,048$15,753$15,466$15,189$14,607
3 years$10,793$10,487$10,193$9,909$9,636$9,070
4 years$8,014$7,709$7,418$7,139$6,873$6,327
5 years$6,347$6,044$5,757$5,484$5,225$4,700
6 years$5,236$4,936$4,652$4,385$4,134$3,632
7 years$4,443$4,145$3,866$3,605$3,362$2,883
8 years$3,849$3,553$3,279$3,024$2,789$2,332
9 years$3,386$3,093$2,824$2,576$2,349$1,914
10 years$3,017$2,727$2,462$2,221$2,001$1,588
11 years$2,714$2,427$2,167$1,933$1,721$1,329
12 years$2,463$2,179$1,924$1,695$1,492$1,120
13 years$2,250$1,969$1,719$1,497$1,301$950
14 years$2,068$1,790$1,544$1,329$1,140$809
15 years$1,910$1,635$1,394$1,185$1,004$691
16 years$1,772$1,500$1,264$1,061$887$593
17 years$1,651$1,381$1,150$953$787$510
18 years$1,543$1,277$1,050$859$699$439
19 years$1,446$1,183$961$776$623$379
20 years$1,359$1,099$882$703$557$328
21 years$1,281$1,024$811$638$498$284
22 years$1,210$956$748$580$447$247
23 years$1,145$894$690$528$401$214
24 years$1,086$838$639$482$360$186
25 years$1,031$786$591$440$324$162
26 years$981$739$549$402$292$141
27 years$935$695$509$368$263$123
28 years$892$655$474$337$238$107
29 years$852$618$441$309$215$93
30 years$814$584$410$284$194$81
31 years$779$552$383$261$175$71
32 years$747$522$357$240$159$62
33 years$716$494$333$220$144$54
34 years$688$469$311$203$130$47
35 years$661$444$291$187$118$41
36 years$635$422$272$172$107$36
37 years$611$401$255$158$97$31
38 years$589$381$239$146$88$27
39 years$567$362$224$135$79$24
40 years$547$345$210$124$72$21
41 years$528$328$197$115$65$18
42 years$509$312$184$106$59$16
43 years$492$298$173$98$54$14
44 years$475$284$162$90$49$12
45 years$459$270$153$83$44$11
46 years$444$258$143$77$40$9
47 years$430$246$135$71$37$8
48 years$416$235$126$66$33$7
49 years$403$224$119$61$30$6
50 years$391$214$112$56$27$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $400,000, adding $3,516 every year, while hoping to spend $28,865 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: 73/21/6 Blend
42$400,000$400,000$400,000$400,000
43$444,427$423,227$417,027$476,301
44$459,046$413,253$400,285$487,806
45$474,189$401,823$382,015$496,421
46$489,879$388,834$362,135$505,036
47$506,140$374,180$340,560$513,640
48$522,998$357,747$317,200$522,225
49$540,480$339,413$291,962$530,780
50$558,615$319,050$264,750$539,294
51$577,435$296,525$235,460$547,756
52$596,973$271,694$203,987$556,156
53$617,263$244,406$170,220$564,482
54$638,344$214,502$134,043$572,721
55$660,257$181,814$95,334$580,862
56$683,043$146,164$53,968$588,892
57$706,751$107,362$9,813$596,800
58$731,428$65,212$0$604,573
59$757,129$19,503$0$614,587
60$783,912$0$0$625,268
61$811,837$0$0$642,915
62$840,971$0$0$666,032
63$871,386$0$0$690,169
64$903,160$0$0$715,389
65$936,376$0$0$741,758
66$971,124$0$0$769,349
67$1,007,502$0$0$798,239
68$1,045,617$0$0$828,515
69$1,085,583$0$0$860,268
70$1,127,525$0$0$893,598
71$1,171,578$0$0$928,613
72$1,217,889$0$0$965,432
73$1,266,619$0$0$1,004,182
74$1,317,941$0$0$1,045,004
75$1,372,045$0$0$1,088,049
76$1,429,138$0$0$1,133,482
77$1,489,443$0$0$1,181,486
78$1,553,208$0$0$1,232,255
79$1,620,700$0$0$1,286,007
80$1,692,212$0$0$1,342,975
81$1,768,063$0$0$1,403,416
82$1,848,603$0$0$1,467,611
83$1,934,214$0$0$1,535,868
84$2,025,315$0$0$1,608,520
85$2,122,363$0$0$1,685,938
86$2,225,860$0$0$1,768,522
87$2,336,354$0$0$1,856,715
88$2,454,448$0$0$1,950,999
89$2,580,801$0$0$2,051,904
90$2,716,135$0$0$2,160,011
91$2,861,245$0$0$2,275,958
92$3,017,000$0$0$2,400,444
93$3,184,354$0$0$2,534,236
94$3,364,358$0$0$2,678,177
95$3,558,160$0$0$2,833,191
96$3,767,025$0$0$3,000,295
97$3,992,341$0$0$3,180,603
98$4,235,634$0$0$3,375,344
99$4,498,578$0$0$3,585,862
100$4,783,017$0$0$3,813,640