Can I retire at age 43 with 750,000?

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 $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%18.6%
1 years$61,934$61,383$60,844$60,319$59,806$57,730
2 years$30,661$30,090$29,536$29,000$28,479$26,409
3 years$20,237$19,664$19,112$18,580$18,068$16,069
4 years$15,027$14,455$13,909$13,386$12,886$10,974
5 years$11,901$11,333$10,794$10,282$9,796$7,974
6 years$9,818$9,254$8,723$8,222$7,751$6,022
7 years$8,331$7,772$7,249$6,760$6,304$4,667
8 years$7,216$6,662$6,147$5,671$5,230$3,684
9 years$6,349$5,800$5,295$4,830$4,404$2,948
10 years$5,656$5,113$4,616$4,164$3,753$2,383
11 years$5,090$4,551$4,064$3,624$3,227$1,942
12 years$4,618$4,085$3,607$3,179$2,797$1,592
13 years$4,219$3,692$3,222$2,806$2,439$1,312
14 years$3,877$3,356$2,895$2,491$2,138$1,085
15 years$3,581$3,066$2,614$2,222$1,882$901
16 years$3,323$2,813$2,370$1,989$1,664$750
17 years$3,095$2,590$2,157$1,787$1,475$625
18 years$2,892$2,394$1,969$1,611$1,312$522
19 years$2,712$2,218$1,802$1,455$1,169$437
20 years$2,549$2,061$1,654$1,318$1,044$366
21 years$2,402$1,920$1,521$1,196$934$307
22 years$2,269$1,792$1,402$1,088$838$258
23 years$2,147$1,676$1,295$991$752$217
24 years$2,036$1,571$1,197$903$676$182
25 years$1,934$1,474$1,109$825$608$153
26 years$1,839$1,385$1,029$754$548$129
27 years$1,752$1,304$955$691$494$108
28 years$1,672$1,228$888$633$446$91
29 years$1,597$1,159$826$580$402$77
30 years$1,527$1,094$770$532$364$65
31 years$1,461$1,035$717$489$329$55
32 years$1,400$979$669$449$297$46
33 years$1,343$927$625$413$269$39
34 years$1,289$879$584$380$244$33
35 years$1,239$833$546$350$221$27
36 years$1,191$791$511$322$200$23
37 years$1,146$751$478$297$181$20
38 years$1,104$714$448$274$164$16
39 years$1,063$679$419$252$149$14
40 years$1,025$646$393$233$135$12
41 years$989$615$369$215$123$10
42 years$955$586$346$198$111$8
43 years$922$558$324$183$101$7
44 years$891$532$305$169$92$6
45 years$861$507$286$156$83$5
46 years$833$484$269$144$76$4
47 years$806$462$252$133$69$4
48 years$780$441$237$123$62$3
49 years$756$421$223$114$57$3
50 years$732$402$210$105$51$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $750,000, adding $5,024 every year, while hoping to spend $35,551 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: 68/24/8 Blend
42$750,000$750,000$750,000$750,000
43$831,682$791,932$780,307$886,688
44$878,688$792,911$768,622$924,796
45$929,297$792,746$755,353$961,682
46$983,838$791,344$740,411$1,001,068
47$1,042,675$788,606$723,700$1,043,193
48$1,106,206$784,425$705,122$1,088,322
49$1,174,868$778,691$684,573$1,136,745
50$1,249,143$771,285$661,944$1,188,784
51$1,329,558$762,080$637,121$1,244,794
52$1,416,695$750,944$609,987$1,305,168
53$1,511,192$737,735$580,416$1,370,339
54$1,613,754$722,304$548,280$1,440,784
55$1,725,152$704,492$513,443$1,517,033
56$1,846,236$684,132$475,762$1,599,668
57$1,977,943$661,044$435,090$1,689,333
58$2,121,300$635,043$391,273$1,786,740
59$2,277,441$605,928$344,149$1,892,673
60$2,447,610$573,489$293,548$2,008,000
61$2,633,180$537,503$239,295$2,133,677
62$2,835,659$497,735$181,206$2,270,761
63$3,056,708$453,937$119,089$2,420,419
64$3,298,157$405,844$52,743$2,583,937
65$3,562,018$353,179$0$2,762,738
66$3,850,507$295,648$0$2,959,932
67$4,166,065$232,941$0$3,180,614
68$4,511,379$164,730$0$3,422,208
69$4,889,405$90,668$0$3,686,843
70$5,303,404$10,390$0$3,976,869
71$5,756,962$0$0$4,294,877
72$6,254,029$0$0$4,663,926
73$6,798,959$0$0$5,071,563
74$7,396,542$0$0$5,518,633
75$8,052,057$0$0$6,009,093
76$8,771,318$0$0$6,547,298
77$9,560,730$0$0$7,138,046
78$10,427,346$0$0$7,786,622
79$11,378,936$0$0$8,498,848
80$12,424,061$0$0$9,281,139
81$13,572,150$0$0$10,140,558
82$14,833,589$0$0$11,084,890
83$16,219,824$0$0$12,122,708
84$17,743,460$0$0$13,263,459
85$19,418,388$0$0$14,517,551
86$21,259,909$0$0$15,896,448
87$23,284,881$0$0$17,412,782
88$25,511,880$0$0$19,080,473
89$27,961,368$0$0$20,914,852
90$30,655,893$0$0$22,932,816
91$33,620,298$0$0$25,152,978
92$36,881,953$0$0$27,595,849
93$40,471,017$0$0$30,284,027
94$44,420,720$0$0$33,242,411
95$48,767,674$0$0$36,498,437
96$53,552,223$0$0$40,082,334
97$58,818,819$0$0$44,027,412
98$64,616,442$0$0$48,370,373
99$70,999,063$0$0$53,151,660
100$78,026,151$0$0$58,415,835