Can I retire at age 43 with 430,000?

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 $430,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$35,509$35,193$34,884$34,583$34,289$33,818
2 years$17,579$17,251$16,934$16,626$16,328$15,855
3 years$11,603$11,274$10,957$10,653$10,359$9,898
4 years$8,615$8,288$7,974$7,675$7,388$6,943
5 years$6,823$6,498$6,188$5,895$5,616$5,188
6 years$5,629$5,306$5,001$4,714$4,444$4,033
7 years$4,776$4,456$4,156$3,876$3,614$3,220
8 years$4,137$3,819$3,525$3,251$2,998$2,622
9 years$3,640$3,325$3,036$2,769$2,525$2,166
10 years$3,243$2,931$2,647$2,387$2,151$1,809
11 years$2,918$2,610$2,330$2,078$1,850$1,525
12 years$2,648$2,342$2,068$1,822$1,603$1,294
13 years$2,419$2,117$1,847$1,609$1,398$1,105
14 years$2,223$1,924$1,660$1,428$1,226$948
15 years$2,053$1,758$1,499$1,274$1,079$817
16 years$1,905$1,613$1,359$1,140$954$706
17 years$1,774$1,485$1,236$1,025$846$612
18 years$1,658$1,372$1,129$923$752$531
19 years$1,555$1,272$1,033$834$670$463
20 years$1,461$1,182$948$756$599$403
21 years$1,377$1,101$872$686$536$352
22 years$1,301$1,028$804$624$480$308
23 years$1,231$961$742$568$431$270
24 years$1,167$900$686$518$387$236
25 years$1,109$845$636$473$349$207
26 years$1,055$794$590$433$314$182
27 years$1,005$747$548$396$283$160
28 years$958$704$509$363$255$141
29 years$915$664$474$333$231$124
30 years$875$627$441$305$208$109
31 years$838$593$411$280$188$96
32 years$803$561$384$258$170$84
33 years$770$532$358$237$154$74
34 years$739$504$335$218$140$65
35 years$710$478$313$201$127$58
36 years$683$454$293$185$115$51
37 years$657$431$274$170$104$45
38 years$633$409$257$157$94$39
39 years$610$389$240$145$85$35
40 years$588$370$225$133$77$31
41 years$567$353$211$123$70$27
42 years$547$336$198$114$64$24
43 years$529$320$186$105$58$21
44 years$511$305$175$97$53$19
45 years$494$291$164$89$48$16
46 years$478$277$154$83$43$14
47 years$462$265$145$76$39$13
48 years$447$253$136$71$36$11
49 years$433$241$128$65$32$10
50 years$420$231$120$60$29$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $430,000, adding $3,780 every year, while hoping to spend $23,259 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: 74/20/6 Blend
42$430,000$430,000$430,000$430,000
43$477,759$454,969$448,304$512,514
44$501,743$452,515$438,575$533,455
45$527,394$449,161$427,740$553,066
46$554,857$444,839$415,738$573,881
47$584,292$439,476$402,505$596,011
48$615,874$432,994$387,973$619,579
49$649,794$425,313$372,072$644,720
50$686,265$416,344$354,727$671,583
51$725,516$405,997$335,863$700,333
52$767,802$394,175$315,398$731,151
53$813,402$380,774$293,248$764,240
54$862,624$365,686$269,326$799,820
55$915,802$348,795$243,540$838,136
56$973,309$329,981$215,793$879,459
57$1,035,550$309,113$185,985$924,088
58$1,102,973$286,057$154,013$972,352
59$1,176,069$260,667$119,766$1,024,615
60$1,255,380$232,792$83,130$1,081,280
61$1,341,501$202,271$43,987$1,142,791
62$1,435,085$168,933$2,211$1,209,638
63$1,536,853$132,599$0$1,282,361
64$1,647,595$93,080$0$1,364,272
65$1,768,184$50,175$0$1,453,645
66$1,899,577$3,672$0$1,551,075
67$2,042,830$0$0$1,657,377
68$2,199,105$0$0$1,783,713
69$2,369,678$0$0$1,922,510
70$2,555,957$0$0$2,074,104
71$2,759,491$0$0$2,239,760
72$2,981,984$0$0$2,420,866
73$3,225,313$0$0$2,618,954
74$3,491,546$0$0$2,835,708
75$3,782,959$0$0$3,072,984
76$4,102,056$0$0$3,332,825
77$4,451,598$0$0$3,617,482
78$4,834,624$0$0$3,929,432
79$5,254,482$0$0$4,271,404
80$5,714,856$0$0$4,646,404
81$6,219,808$0$0$5,057,743
82$6,773,809$0$0$5,509,067
83$7,381,785$0$0$6,004,392
84$8,049,162$0$0$6,548,142
85$8,781,915$0$0$7,145,190
86$9,586,630$0$0$7,800,906
87$10,470,557$0$0$8,521,202
88$11,441,687$0$0$9,312,593
89$12,508,821$0$0$10,182,256
90$13,681,655$0$0$11,138,098
91$14,970,871$0$0$12,188,829
92$16,388,239$0$0$13,344,046
93$17,946,724$0$0$14,614,322
94$19,660,611$0$0$16,011,306
95$21,545,639$0$0$17,547,830
96$23,619,150$0$0$19,238,037
97$25,900,247$0$0$21,097,505
98$28,409,983$0$0$23,143,400
99$31,171,551$0$0$25,394,635
100$34,210,507$0$0$27,872,051