Can I retire at age 43 with 660,000?

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 $660,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$54,502$54,017$53,543$53,081$52,629$51,378
2 years$26,981$26,479$25,992$25,520$25,062$23,808
3 years$17,809$17,304$16,818$16,351$15,900$14,684
4 years$13,224$12,720$12,239$11,780$11,340$10,170
5 years$10,473$9,973$9,498$9,048$8,621$7,500
6 years$8,640$8,144$7,676$7,236$6,821$5,752
7 years$7,331$6,839$6,379$5,949$5,547$4,529
8 years$6,350$5,862$5,410$4,990$4,602$3,635
9 years$5,587$5,104$4,659$4,251$3,876$2,958
10 years$4,977$4,499$4,062$3,664$3,302$2,433
11 years$4,479$4,005$3,576$3,189$2,840$2,019
12 years$4,064$3,595$3,174$2,797$2,461$1,686
13 years$3,713$3,249$2,836$2,469$2,146$1,416
14 years$3,412$2,953$2,548$2,192$1,881$1,194
15 years$3,152$2,698$2,300$1,955$1,656$1,011
16 years$2,924$2,475$2,086$1,750$1,464$859
17 years$2,723$2,279$1,898$1,573$1,298$731
18 years$2,545$2,106$1,732$1,417$1,154$623
19 years$2,386$1,952$1,586$1,281$1,029$533
20 years$2,243$1,814$1,456$1,160$919$456
21 years$2,114$1,690$1,339$1,053$822$391
22 years$1,996$1,577$1,234$957$737$335
23 years$1,889$1,475$1,139$872$662$288
24 years$1,792$1,382$1,054$795$595$247
25 years$1,702$1,297$976$726$535$213
26 years$1,619$1,219$905$664$482$183
27 years$1,542$1,147$840$608$435$158
28 years$1,471$1,081$781$557$392$136
29 years$1,405$1,020$727$511$354$117
30 years$1,343$963$677$469$320$101
31 years$1,286$910$631$430$289$87
32 years$1,232$861$589$395$262$75
33 years$1,182$816$550$364$237$65
34 years$1,135$773$514$335$214$56
35 years$1,090$733$480$308$194$48
36 years$1,048$696$449$284$176$42
37 years$1,009$661$421$261$159$36
38 years$971$628$394$241$145$31
39 years$936$597$369$222$131$27
40 years$902$568$346$205$119$23
41 years$871$541$324$189$108$20
42 years$840$515$304$174$98$17
43 years$812$491$286$161$89$15
44 years$784$468$268$149$81$13
45 years$758$446$252$137$73$11
46 years$733$426$236$127$66$10
47 years$710$406$222$117$60$8
48 years$687$388$209$108$55$7
49 years$665$370$196$100$50$6
50 years$644$354$184$93$45$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $660,000, adding $5,451 every year, while hoping to spend $32,920 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: 59/36/5 Blend
42$660,000$660,000$660,000$660,000
43$732,943$697,963$687,733$775,215
44$772,676$697,136$675,745$803,349
45$815,359$695,166$662,253$829,747
46$861,258$691,961$647,170$857,690
47$910,664$687,425$630,408$887,327
48$963,899$681,456$611,874$918,824
49$1,021,315$673,945$591,470$952,363
50$1,083,298$664,778$569,094$988,148
51$1,150,275$653,833$544,639$1,026,403
52$1,222,713$640,981$517,994$1,067,379
53$1,301,126$626,084$489,042$1,111,353
54$1,386,078$609,000$457,662$1,158,629
55$1,478,190$589,573$423,727$1,209,549
56$1,578,146$567,643$387,102$1,264,487
57$1,686,697$543,037$347,650$1,323,861
58$1,804,669$515,575$305,225$1,388,132
59$1,932,970$485,063$259,675$1,457,810
60$2,072,601$451,300$210,843$1,533,462
61$2,224,663$414,070$158,562$1,615,712
62$2,390,366$373,146$102,661$1,705,254
63$2,571,042$328,289$42,959$1,802,854
64$2,768,157$279,245$0$1,909,361
65$2,983,328$225,746$0$2,026,820
66$3,218,329$167,509$0$2,157,679
67$3,475,118$104,236$0$2,300,804
68$3,755,847$35,611$0$2,457,476
69$4,062,888$0$0$2,629,110
70$4,398,852$0$0$2,832,602
71$4,766,612$0$0$3,070,848
72$5,169,336$0$0$3,331,799
73$5,610,507$0$0$3,617,720
74$6,093,966$0$0$3,931,106
75$6,623,940$0$0$4,274,706
76$7,205,086$0$0$4,651,546
77$7,842,532$0$0$5,064,960
78$8,541,928$0$0$5,518,618
79$9,309,494$0$0$6,016,567
80$10,152,085$0$0$6,563,260
81$11,077,251$0$0$7,163,606
82$12,093,308$0$0$7,823,009
83$13,209,417$0$0$8,547,427
84$14,435,671$0$0$9,343,419
85$15,783,188$0$0$10,218,213
86$17,264,217$0$0$11,179,772
87$18,892,252$0$0$12,236,868
88$20,682,159$0$0$13,399,165
89$22,650,319$0$0$14,677,312
90$24,814,775$0$0$16,083,040
91$27,195,412$0$0$17,629,275
92$29,814,133$0$0$19,330,257
93$32,695,075$0$0$21,201,678
94$35,864,830$0$0$23,260,825
95$39,352,697$0$0$25,526,747
96$43,190,962$0$0$28,020,432
97$47,415,194$0$0$30,765,008
98$52,064,589$0$0$33,785,954
99$57,182,333$0$0$37,111,349
100$62,816,013$0$0$40,772,129