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%12.8%
1 years$61,934$61,383$60,844$60,319$59,806$59,108
2 years$30,661$30,090$29,536$29,000$28,479$27,776
3 years$20,237$19,664$19,112$18,580$18,068$17,383
4 years$15,027$14,455$13,909$13,386$12,886$12,223
5 years$11,901$11,333$10,794$10,282$9,796$9,157
6 years$9,818$9,254$8,723$8,222$7,751$7,138
7 years$8,331$7,772$7,249$6,760$6,304$5,716
8 years$7,216$6,662$6,147$5,671$5,230$4,667
9 years$6,349$5,800$5,295$4,830$4,404$3,867
10 years$5,656$5,113$4,616$4,164$3,753$3,240
11 years$5,090$4,551$4,064$3,624$3,227$2,739
12 years$4,618$4,085$3,607$3,179$2,797$2,333
13 years$4,219$3,692$3,222$2,806$2,439$1,998
14 years$3,877$3,356$2,895$2,491$2,138$1,720
15 years$3,581$3,066$2,614$2,222$1,882$1,486
16 years$3,323$2,813$2,370$1,989$1,664$1,289
17 years$3,095$2,590$2,157$1,787$1,475$1,121
18 years$2,892$2,394$1,969$1,611$1,312$977
19 years$2,712$2,218$1,802$1,455$1,169$854
20 years$2,549$2,061$1,654$1,318$1,044$747
21 years$2,402$1,920$1,521$1,196$934$655
22 years$2,269$1,792$1,402$1,088$838$575
23 years$2,147$1,676$1,295$991$752$506
24 years$2,036$1,571$1,197$903$676$445
25 years$1,934$1,474$1,109$825$608$392
26 years$1,839$1,385$1,029$754$548$345
27 years$1,752$1,304$955$691$494$305
28 years$1,672$1,228$888$633$446$269
29 years$1,597$1,159$826$580$402$237
30 years$1,527$1,094$770$532$364$210
31 years$1,461$1,035$717$489$329$185
32 years$1,400$979$669$449$297$164
33 years$1,343$927$625$413$269$145
34 years$1,289$879$584$380$244$128
35 years$1,239$833$546$350$221$113
36 years$1,191$791$511$322$200$100
37 years$1,146$751$478$297$181$89
38 years$1,104$714$448$274$164$79
39 years$1,063$679$419$252$149$70
40 years$1,025$646$393$233$135$62
41 years$989$615$369$215$123$55
42 years$955$586$346$198$111$48
43 years$922$558$324$183$101$43
44 years$891$532$305$169$92$38
45 years$861$507$286$156$83$34
46 years$833$484$269$144$76$30
47 years$806$462$252$133$69$26
48 years$780$441$237$123$62$23
49 years$756$421$223$114$57$21
50 years$732$402$210$105$51$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $750,000, adding $3,702 every year, while hoping to spend $32,145 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: 56/31/13 Blend
42$750,000$750,000$750,000$750,000
43$830,319$790,569$778,944$873,853
44$880,809$795,104$770,836$908,313
45$935,372$798,785$761,380$941,994
46$994,389$801,535$750,495$977,931
47$1,058,280$803,273$738,100$1,016,347
48$1,127,505$803,914$724,107$1,057,487
49$1,202,572$803,367$708,425$1,101,620
50$1,284,037$801,535$690,960$1,149,048
51$1,372,514$798,315$671,613$1,200,102
52$1,468,677$793,599$650,278$1,255,149
53$1,573,268$787,271$626,848$1,314,594
54$1,687,103$779,209$601,209$1,378,887
55$1,811,079$769,283$573,242$1,448,522
56$1,946,187$757,354$542,823$1,524,050
57$2,093,512$743,279$509,821$1,606,076
58$2,254,251$726,901$474,102$1,695,270
59$2,429,723$708,057$435,523$1,792,374
60$2,621,378$686,575$393,936$1,898,206
61$2,830,812$662,271$349,186$2,013,672
62$3,059,782$634,950$301,112$2,139,771
63$3,310,225$604,408$249,544$2,277,608
64$3,584,271$570,427$194,307$2,428,404
65$3,884,267$532,777$135,216$2,593,509
66$4,212,795$491,217$72,079$2,774,411
67$4,572,702$445,488$4,695$2,972,756
68$4,967,121$395,320$0$3,190,362
69$5,399,503$340,426$0$3,438,560
70$5,873,648$280,503$0$3,711,543
71$6,393,743$215,230$0$4,011,139
72$6,964,398$144,270$0$4,340,083
73$7,590,693$67,266$0$4,701,393
74$8,278,222$0$0$5,098,398
75$9,033,147$0$0$5,540,286
76$9,862,257$0$0$6,050,867
77$10,773,029$0$0$6,611,810
78$11,773,702$0$0$7,228,197
79$12,873,351$0$0$7,905,629
80$14,081,974$0$0$8,650,273
81$15,410,586$0$0$9,468,926
82$16,871,323$0$0$10,369,076
83$18,477,554$0$0$11,358,973
84$20,244,009$0$0$12,447,705
85$22,186,917$0$0$13,645,286
86$24,324,160$0$0$14,962,750
87$26,675,438$0$0$16,412,254
88$29,262,458$0$0$18,007,190
89$32,109,137$0$0$19,762,318
90$35,241,827$0$0$21,693,899
91$38,689,565$0$0$23,819,849
92$42,484,344$0$0$26,159,911
93$46,661,417$0$0$28,735,838
94$51,259,626$0$0$31,571,599
95$56,321,773$0$0$34,693,607
96$61,895,020$0$0$38,130,962
97$68,031,333$0$0$41,915,735
98$74,787,976$0$0$46,083,259
99$82,228,045$0$0$50,672,473
100$90,421,070$0$0$55,726,282