Can I retire at age 43 with 770,000?

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 $770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$63,586$63,019$62,467$61,928$61,401$59,128
2 years$31,478$30,892$30,324$29,773$29,239$26,975
3 years$20,777$20,188$19,621$19,076$18,550$16,366
4 years$15,427$14,840$14,279$13,743$13,230$11,143
5 years$12,219$11,635$11,081$10,556$10,057$8,072
6 years$10,080$9,501$8,955$8,442$7,958$6,076
7 years$8,553$7,979$7,442$6,940$6,472$4,693
8 years$7,408$6,839$6,311$5,822$5,369$3,691
9 years$6,519$5,955$5,436$4,959$4,522$2,942
10 years$5,807$5,249$4,739$4,275$3,853$2,370
11 years$5,225$4,673$4,172$3,720$3,313$1,923
12 years$4,741$4,194$3,703$3,263$2,871$1,571
13 years$4,331$3,790$3,308$2,881$2,504$1,289
14 years$3,981$3,445$2,972$2,557$2,195$1,062
15 years$3,677$3,147$2,684$2,281$1,933$878
16 years$3,411$2,888$2,433$2,042$1,708$727
17 years$3,177$2,659$2,214$1,835$1,514$604
18 years$2,970$2,457$2,021$1,654$1,347$502
19 years$2,784$2,277$1,850$1,494$1,200$418
20 years$2,617$2,116$1,698$1,353$1,072$349
21 years$2,466$1,971$1,562$1,228$959$291
22 years$2,329$1,840$1,440$1,117$860$243
23 years$2,204$1,721$1,329$1,017$772$203
24 years$2,090$1,612$1,229$928$694$170
25 years$1,985$1,513$1,139$847$624$142
26 years$1,888$1,422$1,056$775$562$119
27 years$1,799$1,338$981$709$507$100
28 years$1,716$1,261$912$650$457$84
29 years$1,639$1,190$848$596$413$70
30 years$1,567$1,124$790$547$373$59
31 years$1,500$1,062$737$502$337$49
32 years$1,438$1,005$687$461$305$41
33 years$1,379$952$642$424$276$35
34 years$1,324$902$600$390$250$29
35 years$1,272$856$561$359$227$24
36 years$1,223$812$524$331$205$20
37 years$1,177$771$491$305$186$17
38 years$1,133$733$460$281$169$14
39 years$1,092$697$431$259$153$12
40 years$1,053$663$404$239$139$10
41 years$1,016$631$378$221$126$8
42 years$980$601$355$204$114$7
43 years$947$573$333$188$104$6
44 years$915$546$313$173$94$5
45 years$884$521$294$160$85$4
46 years$855$497$276$148$78$4
47 years$828$474$259$137$70$3
48 years$801$453$243$126$64$2
49 years$776$432$229$117$58$2
50 years$752$413$215$108$53$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $770,000, adding $3,361 every year, while hoping to spend $43,664 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: 48/26/26 Blend
42$770,000$770,000$770,000$770,000
43$852,007$811,197$799,262$886,449
44$892,453$804,487$779,579$904,240
45$935,562$795,986$757,773$918,967
46$981,558$785,558$733,728$934,098
47$1,030,689$773,062$707,319$949,692
48$1,083,225$758,348$678,420$965,816
49$1,139,463$741,256$646,896$982,548
50$1,199,728$721,617$612,607$999,976
51$1,264,378$699,254$575,407$1,018,202
52$1,333,803$673,976$535,142$1,037,339
53$1,408,435$645,585$491,653$1,057,519
54$1,488,744$613,867$444,772$1,078,887
55$1,575,249$578,600$394,325$1,101,611
56$1,668,519$539,546$340,130$1,125,878
57$1,769,180$496,456$281,996$1,151,899
58$1,877,918$449,063$219,724$1,179,913
59$1,995,488$397,090$153,107$1,210,186
60$2,122,720$340,239$81,929$1,243,019
61$2,260,526$278,199$5,962$1,278,748
62$2,409,908$210,640$0$1,317,750
63$2,571,970$137,213$0$1,381,285
64$2,747,924$57,550$0$1,452,108
65$2,939,105$0$0$1,529,161
66$3,146,979$0$0$1,621,330
67$3,373,161$0$0$1,739,608
68$3,619,426$0$0$1,868,466
69$3,887,731$0$0$2,008,937
70$4,180,225$0$0$2,162,158
71$4,499,275$0$0$2,329,379
72$4,847,488$0$0$2,511,977
73$5,227,730$0$0$2,711,467
74$5,643,161$0$0$2,929,519
75$6,097,254$0$0$3,167,968
76$6,593,838$0$0$3,428,838
77$7,137,124$0$0$3,714,355
78$7,731,754$0$0$4,026,972
79$8,382,835$0$0$4,369,389
80$9,095,994$0$0$4,744,581
81$9,877,425$0$0$5,155,821
82$10,733,951$0$0$5,606,717
83$11,673,088$0$0$6,101,243
84$12,703,111$0$0$6,643,774
85$13,833,137$0$0$7,239,129
86$15,073,206$0$0$7,892,617
87$16,434,378$0$0$8,610,087
88$17,928,837$0$0$9,397,980
89$19,570,002$0$0$10,263,393
90$21,372,658$0$0$11,214,142
91$23,353,089$0$0$12,258,840
92$25,529,238$0$0$13,406,975
93$27,920,869$0$0$14,668,997
94$30,549,758$0$0$16,056,423
95$33,439,893$0$0$17,581,939
96$36,617,706$0$0$19,259,522
97$40,112,313$0$0$21,104,572
98$43,955,799$0$0$23,134,055
99$48,183,508$0$0$25,366,665
100$52,834,387$0$0$27,822,999