Can I retire at age 43 with 570,000?

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 $570,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$47,070$46,651$46,242$45,842$45,453$45,053
2 years$23,302$22,868$22,447$22,040$21,644$21,241
3 years$15,380$14,945$14,525$14,121$13,732$13,339
4 years$11,420$10,986$10,570$10,173$9,794$9,413
5 years$9,045$8,613$8,203$7,814$7,445$7,078
6 years$7,462$7,033$6,629$6,249$5,891$5,538
7 years$6,331$5,906$5,509$5,138$4,791$4,452
8 years$5,484$5,063$4,672$4,310$3,975$3,650
9 years$4,825$4,408$4,024$3,671$3,347$3,036
10 years$4,299$3,886$3,508$3,164$2,852$2,555
11 years$3,868$3,459$3,089$2,754$2,453$2,169
12 years$3,510$3,105$2,741$2,416$2,126$1,856
13 years$3,206$2,806$2,449$2,133$1,853$1,597
14 years$2,947$2,550$2,200$1,893$1,625$1,381
15 years$2,722$2,330$1,987$1,688$1,431$1,199
16 years$2,525$2,138$1,801$1,512$1,264$1,045
17 years$2,352$1,969$1,639$1,358$1,121$913
18 years$2,198$1,819$1,496$1,224$997$800
19 years$2,061$1,686$1,370$1,106$888$702
20 years$1,937$1,567$1,257$1,002$794$618
21 years$1,826$1,459$1,156$909$710$545
22 years$1,724$1,362$1,066$827$637$481
23 years$1,632$1,274$984$753$571$425
24 years$1,547$1,194$910$687$514$376
25 years$1,470$1,120$843$627$462$333
26 years$1,398$1,053$782$573$416$295
27 years$1,332$991$726$525$375$262
28 years$1,270$934$675$481$339$232
29 years$1,213$881$628$441$306$206
30 years$1,160$832$585$405$276$183
31 years$1,111$786$545$372$250$163
32 years$1,064$744$509$342$226$145
33 years$1,021$705$475$314$205$129
34 years$980$668$444$289$185$115
35 years$942$633$415$266$168$102
36 years$905$601$388$245$152$91
37 years$871$571$363$226$138$81
38 years$839$543$340$208$125$72
39 years$808$516$319$192$113$64
40 years$779$491$299$177$103$57
41 years$752$467$280$163$93$51
42 years$726$445$263$151$85$45
43 years$701$424$247$139$77$40
44 years$677$404$231$128$70$36
45 years$655$385$217$119$63$32
46 years$633$368$204$110$57$29
47 years$613$351$192$101$52$26
48 years$593$335$180$94$47$23
49 years$574$320$169$86$43$20
50 years$557$306$159$80$39$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $570,000, adding $6,782 every year, while hoping to spend $43,068 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: 44/28/28 Blend
42$570,000$570,000$570,000$570,000
43$635,136$604,926$596,091$657,664
44$654,095$588,743$570,236$658,213
45$673,546$570,324$542,071$654,182
46$693,491$549,513$511,474$648,988
47$713,935$526,147$478,316$642,547
48$734,880$500,052$442,463$634,770
49$756,327$471,044$403,775$625,565
50$778,276$438,929$362,106$614,831
51$800,726$403,502$317,301$602,463
52$823,671$364,545$269,203$588,350
53$847,108$321,830$217,643$572,373
54$871,026$275,113$162,448$554,406
55$895,416$224,139$103,435$534,317
56$920,264$168,637$40,415$511,964
57$945,551$108,320$0$487,198
58$971,258$42,889$0$467,879
59$997,358$0$0$459,226
60$1,023,822$0$0$457,660
61$1,050,615$0$0$469,430
62$1,077,695$0$0$481,300
63$1,105,014$0$0$493,248
64$1,132,518$0$0$505,243
65$1,160,144$0$0$517,256
66$1,187,818$0$0$529,248
67$1,215,460$0$0$541,180
68$1,242,975$0$0$553,004
69$1,270,258$0$0$564,668
70$1,297,190$0$0$576,112
71$1,323,636$0$0$587,270
72$1,349,444$0$0$598,066
73$1,374,446$0$0$608,417
74$1,398,449$0$0$618,228
75$1,421,240$0$0$627,394
76$1,442,581$0$0$635,797
77$1,462,204$0$0$643,306
78$1,479,812$0$0$649,774
79$1,495,073$0$0$655,039
80$1,507,616$0$0$658,920
81$1,517,031$0$0$661,214
82$1,522,858$0$0$661,697
83$1,524,589$0$0$660,120
84$1,521,657$0$0$656,206
85$1,513,437$0$0$649,649
86$1,499,229$0$0$640,108
87$1,478,262$0$0$627,207
88$1,449,679$0$0$610,526
89$1,412,531$0$0$589,603
90$1,365,765$0$0$563,925
91$1,308,218$0$0$532,925
92$1,238,600$0$0$495,974
93$1,155,485$0$0$452,378
94$1,057,294$0$0$401,369
95$942,282$0$0$342,096
96$808,519$0$0$273,621
97$653,871$0$0$194,905
98$475,980$0$0$104,802
99$272,239$0$0$2,044
100$39,770$0$0$0