Can I retire at age 43 with 570,000?

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 $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%16.7%
1 years$47,070$46,651$46,242$45,842$45,453$44,210
2 years$23,302$22,868$22,447$22,040$21,644$20,402
3 years$15,380$14,945$14,525$14,121$13,732$12,528
4 years$11,420$10,986$10,570$10,173$9,794$8,638
5 years$9,045$8,613$8,203$7,814$7,445$6,340
6 years$7,462$7,033$6,629$6,249$5,891$4,838
7 years$6,331$5,906$5,509$5,138$4,791$3,791
8 years$5,484$5,063$4,672$4,310$3,975$3,026
9 years$4,825$4,408$4,024$3,671$3,347$2,449
10 years$4,299$3,886$3,508$3,164$2,852$2,004
11 years$3,868$3,459$3,089$2,754$2,453$1,653
12 years$3,510$3,105$2,741$2,416$2,126$1,372
13 years$3,206$2,806$2,449$2,133$1,853$1,145
14 years$2,947$2,550$2,200$1,893$1,625$960
15 years$2,722$2,330$1,987$1,688$1,431$808
16 years$2,525$2,138$1,801$1,512$1,264$681
17 years$2,352$1,969$1,639$1,358$1,121$576
18 years$2,198$1,819$1,496$1,224$997$488
19 years$2,061$1,686$1,370$1,106$888$415
20 years$1,937$1,567$1,257$1,002$794$352
21 years$1,826$1,459$1,156$909$710$300
22 years$1,724$1,362$1,066$827$637$256
23 years$1,632$1,274$984$753$571$218
24 years$1,547$1,194$910$687$514$186
25 years$1,470$1,120$843$627$462$159
26 years$1,398$1,053$782$573$416$136
27 years$1,332$991$726$525$375$116
28 years$1,270$934$675$481$339$99
29 years$1,213$881$628$441$306$85
30 years$1,160$832$585$405$276$73
31 years$1,111$786$545$372$250$62
32 years$1,064$744$509$342$226$53
33 years$1,021$705$475$314$205$45
34 years$980$668$444$289$185$39
35 years$942$633$415$266$168$33
36 years$905$601$388$245$152$29
37 years$871$571$363$226$138$24
38 years$839$543$340$208$125$21
39 years$808$516$319$192$113$18
40 years$779$491$299$177$103$15
41 years$752$467$280$163$93$13
42 years$726$445$263$151$85$11
43 years$701$424$247$139$77$10
44 years$677$404$231$128$70$8
45 years$655$385$217$119$63$7
46 years$633$368$204$110$57$6
47 years$613$351$192$101$52$5
48 years$593$335$180$94$47$4
49 years$574$320$169$86$43$4
50 years$557$306$159$80$39$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $570,000, adding $2,661 every year, while hoping to spend $32,821 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: 85/6/9 Blend
42$570,000$570,000$570,000$570,000
43$630,885$600,675$591,840$683,552
44$660,314$595,187$576,745$712,859
45$691,644$588,329$560,045$740,323
46$725,036$580,002$541,650$769,471
47$760,664$570,095$521,469$800,451
48$798,718$558,496$499,405$833,426
49$839,408$545,084$475,356$868,574
50$882,964$529,729$449,217$906,095
51$929,638$512,297$420,877$946,204
52$979,705$492,645$390,221$989,140
53$1,033,470$470,619$357,128$1,035,168
54$1,091,265$446,060$321,473$1,084,577
55$1,153,455$418,798$283,123$1,137,686
56$1,220,441$388,653$241,941$1,194,847
57$1,292,663$355,434$197,784$1,256,448
58$1,370,606$318,942$150,501$1,322,914
59$1,454,801$278,963$99,936$1,394,718
60$1,545,832$235,273$45,925$1,472,375
61$1,644,341$187,636$0$1,556,458
62$1,751,035$135,802$0$1,648,720
63$1,866,689$79,504$0$1,753,509
64$1,992,157$18,466$0$1,867,193
65$2,128,377$0$0$1,990,631
66$2,276,382$0$0$2,127,914
67$2,437,307$0$0$2,278,515
68$2,612,402$0$0$2,442,383
69$2,803,040$0$0$2,620,808
70$3,010,735$0$0$2,815,205
71$3,237,151$0$0$3,027,133
72$3,484,121$0$0$3,258,308
73$3,753,659$0$0$3,510,619
74$4,047,987$0$0$3,786,144
75$4,369,547$0$0$4,087,173
76$4,721,028$0$0$4,416,224
77$5,105,394$0$0$4,776,071
78$5,525,903$0$0$5,169,768
79$5,986,147$0$0$5,600,679
80$6,490,079$0$0$6,072,505
81$7,042,052$0$0$6,589,326
82$7,646,861$0$0$7,155,631
83$8,309,785$0$0$7,776,366
84$9,036,641$0$0$8,456,979
85$9,833,833$0$0$9,203,467
86$10,708,415$0$0$10,022,440
87$11,668,157$0$0$10,921,175
88$12,721,619$0$0$11,907,688
89$13,878,229$0$0$12,990,812
90$15,148,371$0$0$14,180,273
91$16,543,487$0$0$15,486,788
92$18,076,179$0$0$16,922,161
93$19,760,330$0$0$18,499,398
94$21,611,238$0$0$20,232,824
95$23,645,752$0$0$22,138,225
96$25,882,436$0$0$24,232,989
97$28,341,744$0$0$26,536,273
98$31,046,209$0$0$29,069,185
99$34,020,658$0$0$31,854,980
100$37,292,445$0$0$34,919,279