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%20%
1 years$33,032$32,737$32,450$32,170$31,897$30,619
2 years$16,352$16,048$15,753$15,466$15,189$13,918
3 years$10,793$10,487$10,193$9,909$9,636$8,412
4 years$8,014$7,709$7,418$7,139$6,873$5,704
5 years$6,347$6,044$5,757$5,484$5,225$4,115
6 years$5,236$4,936$4,652$4,385$4,134$3,084
7 years$4,443$4,145$3,866$3,605$3,362$2,371
8 years$3,849$3,553$3,279$3,024$2,789$1,856
9 years$3,386$3,093$2,824$2,576$2,349$1,472
10 years$3,017$2,727$2,462$2,221$2,001$1,180
11 years$2,714$2,427$2,167$1,933$1,721$952
12 years$2,463$2,179$1,924$1,695$1,492$774
13 years$2,250$1,969$1,719$1,497$1,301$631
14 years$2,068$1,790$1,544$1,329$1,140$517
15 years$1,910$1,635$1,394$1,185$1,004$425
16 years$1,772$1,500$1,264$1,061$887$350
17 years$1,651$1,381$1,150$953$787$289
18 years$1,543$1,277$1,050$859$699$239
19 years$1,446$1,183$961$776$623$198
20 years$1,359$1,099$882$703$557$164
21 years$1,281$1,024$811$638$498$136
22 years$1,210$956$748$580$447$113
23 years$1,145$894$690$528$401$94
24 years$1,086$838$639$482$360$78
25 years$1,031$786$591$440$324$65
26 years$981$739$549$402$292$54
27 years$935$695$509$368$263$45
28 years$892$655$474$337$238$37
29 years$852$618$441$309$215$31
30 years$814$584$410$284$194$26
31 years$779$552$383$261$175$22
32 years$747$522$357$240$159$18
33 years$716$494$333$220$144$15
34 years$688$469$311$203$130$12
35 years$661$444$291$187$118$10
36 years$635$422$272$172$107$9
37 years$611$401$255$158$97$7
38 years$589$381$239$146$88$6
39 years$567$362$224$135$79$5
40 years$547$345$210$124$72$4
41 years$528$328$197$115$65$3
42 years$509$312$184$106$59$3
43 years$492$298$173$98$54$2
44 years$475$284$162$90$49$2
45 years$459$270$153$83$44$2
46 years$444$258$143$77$40$1
47 years$430$246$135$71$37$1
48 years$416$235$126$66$33$1
49 years$403$224$119$61$30$1
50 years$391$214$112$56$27$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $400,000, adding $5,656 every year, while hoping to spend $23,822 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: 50/40/10 Blend
42$400,000$400,000$400,000$400,000
43$446,634$425,434$419,234$467,504
44$466,844$420,934$407,932$477,889
45$488,318$415,415$395,453$486,175
46$511,158$408,802$381,732$494,628
47$535,478$401,015$366,702$503,270
48$561,402$391,971$350,293$512,128
49$589,068$381,579$332,430$521,232
50$618,622$369,746$313,036$530,616
51$650,229$356,372$292,030$540,320
52$684,069$341,350$269,329$550,390
53$720,336$324,569$244,844$560,877
54$759,248$305,910$218,484$571,842
55$801,040$285,248$190,151$583,351
56$845,971$262,451$159,747$595,484
57$894,327$237,378$127,166$608,326
58$946,421$209,881$92,298$621,977
59$1,002,595$179,805$55,029$636,548
60$1,063,228$146,984$15,241$652,167
61$1,128,735$111,243$0$668,976
62$1,199,570$72,398$0$690,039
63$1,276,235$30,254$0$714,557
64$1,359,280$0$0$741,119
65$1,449,312$0$0$776,743
66$1,546,995$0$0$829,878
67$1,653,062$0$0$887,612
68$1,768,319$0$0$950,387
69$1,893,652$0$0$1,018,691
70$2,030,035$0$0$1,093,060
71$2,178,540$0$0$1,174,083
72$2,340,349$0$0$1,262,411
73$2,516,759$0$0$1,358,759
74$2,709,201$0$0$1,463,913
75$2,919,247$0$0$1,578,740
76$3,148,630$0$0$1,704,192
77$3,399,255$0$0$1,841,320
78$3,673,223$0$0$1,991,278
79$3,972,844$0$0$2,155,340
80$4,300,662$0$0$2,334,907
81$4,659,479$0$0$2,531,520
82$5,052,380$0$0$2,746,879
83$5,482,762$0$0$2,982,855
84$5,954,367$0$0$3,241,507
85$6,471,315$0$0$3,525,106
86$7,038,145$0$0$3,836,151
87$7,659,853$0$0$4,177,393
88$8,341,947$0$0$4,551,867
89$9,090,488$0$0$4,962,910
90$9,912,158$0$0$5,414,202
91$10,814,312$0$0$5,909,796
92$11,805,056$0$0$6,454,156
93$12,893,319$0$0$7,052,200
94$14,088,934$0$0$7,709,346
95$15,402,738$0$0$8,431,562
96$16,846,668$0$0$9,225,423
97$18,433,872$0$0$10,098,175
98$20,178,841$0$0$11,057,797
99$22,097,534$0$0$12,113,084
100$24,207,539$0$0$13,273,723