Can I retire at age 43 with 750,000?

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 $750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$61,934$61,383$60,844$60,319$59,806$58,054
2 years$30,661$30,090$29,536$29,000$28,479$26,729
3 years$20,237$19,664$19,112$18,580$18,068$16,374
4 years$15,027$14,455$13,909$13,386$12,886$11,261
5 years$11,901$11,333$10,794$10,282$9,796$8,244
6 years$9,818$9,254$8,723$8,222$7,751$6,274
7 years$8,331$7,772$7,249$6,760$6,304$4,901
8 years$7,216$6,662$6,147$5,671$5,230$3,901
9 years$6,349$5,800$5,295$4,830$4,404$3,148
10 years$5,656$5,113$4,616$4,164$3,753$2,567
11 years$5,090$4,551$4,064$3,624$3,227$2,111
12 years$4,618$4,085$3,607$3,179$2,797$1,747
13 years$4,219$3,692$3,222$2,806$2,439$1,453
14 years$3,877$3,356$2,895$2,491$2,138$1,214
15 years$3,581$3,066$2,614$2,222$1,882$1,018
16 years$3,323$2,813$2,370$1,989$1,664$856
17 years$3,095$2,590$2,157$1,787$1,475$721
18 years$2,892$2,394$1,969$1,611$1,312$609
19 years$2,712$2,218$1,802$1,455$1,169$515
20 years$2,549$2,061$1,654$1,318$1,044$436
21 years$2,402$1,920$1,521$1,196$934$370
22 years$2,269$1,792$1,402$1,088$838$314
23 years$2,147$1,676$1,295$991$752$266
24 years$2,036$1,571$1,197$903$676$226
25 years$1,934$1,474$1,109$825$608$193
26 years$1,839$1,385$1,029$754$548$164
27 years$1,752$1,304$955$691$494$139
28 years$1,672$1,228$888$633$446$119
29 years$1,597$1,159$826$580$402$101
30 years$1,527$1,094$770$532$364$86
31 years$1,461$1,035$717$489$329$73
32 years$1,400$979$669$449$297$63
33 years$1,343$927$625$413$269$53
34 years$1,289$879$584$380$244$45
35 years$1,239$833$546$350$221$39
36 years$1,191$791$511$322$200$33
37 years$1,146$751$478$297$181$28
38 years$1,104$714$448$274$164$24
39 years$1,063$679$419$252$149$21
40 years$1,025$646$393$233$135$17
41 years$989$615$369$215$123$15
42 years$955$586$346$198$111$13
43 years$922$558$324$183$101$11
44 years$891$532$305$169$92$9
45 years$861$507$286$156$83$8
46 years$833$484$269$144$76$7
47 years$806$462$252$133$69$6
48 years$780$441$237$123$62$5
49 years$756$421$223$114$57$4
50 years$732$402$210$105$51$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $750,000, adding $4,055 every year, while hoping to spend $43,710 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: 28/42/30 Blend
42$750,000$750,000$750,000$750,000
43$830,683$790,933$779,308$846,161
44$868,905$783,181$758,907$851,215
45$909,562$773,585$736,359$852,628
46$952,854$762,008$711,544$853,281
47$999,003$748,304$684,338$853,140
48$1,048,251$732,321$654,614$852,174
49$1,100,865$713,897$622,235$850,350
50$1,157,134$692,859$587,061$847,639
51$1,217,378$669,025$548,944$844,014
52$1,281,947$642,204$507,730$839,450
53$1,351,224$612,191$463,258$833,925
54$1,425,632$578,770$415,359$827,423
55$1,505,630$541,714$363,858$819,932
56$1,591,729$500,782$308,572$811,445
57$1,684,483$455,719$249,307$801,962
58$1,784,507$406,255$185,865$791,492
59$1,892,471$352,106$118,036$780,052
60$2,009,114$292,971$45,602$767,670
61$2,135,249$228,532$0$754,385
62$2,271,768$158,454$0$750,399
63$2,419,652$82,381$0$761,872
64$2,579,979$0$0$774,358
65$2,753,935$0$0$788,076
66$2,942,825$0$0$844,417
67$3,148,083$0$0$905,748
68$3,371,288$0$0$972,553
69$3,614,176$0$0$1,045,366
70$3,878,657$0$0$1,124,775
71$4,166,835$0$0$1,211,426
72$4,481,022$0$0$1,306,032
73$4,823,764$0$0$1,409,374
74$5,197,866$0$0$1,522,317
75$5,606,411$0$0$1,645,810
76$6,052,797$0$0$1,780,897
77$6,540,761$0$0$1,928,731
78$7,074,422$0$0$2,090,578
79$7,658,310$0$0$2,267,835
80$8,297,417$0$0$2,462,039
81$8,997,239$0$0$2,674,882
82$9,763,828$0$0$2,908,230
83$10,603,848$0$0$3,164,134
84$11,524,639$0$0$3,444,859
85$12,534,286$0$0$3,752,893
86$13,641,693$0$0$4,090,982
87$14,856,665$0$0$4,462,147
88$16,190,005$0$0$4,869,719
89$17,653,612$0$0$5,317,364
90$19,260,592$0$0$5,809,124
91$21,025,383$0$0$6,349,449
92$22,963,889$0$0$6,943,243
93$25,093,631$0$0$7,595,908
94$27,433,910$0$0$8,313,395
95$30,005,991$0$0$9,102,260
96$32,833,300$0$0$9,969,728
97$35,941,645$0$0$10,923,758
98$39,359,460$0$0$11,973,118
99$43,118,074$0$0$13,127,469
100$47,252,001$0$0$14,397,456