Can I retire at age 43 with 780,000?

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 $780,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$64,412$63,838$63,278$62,732$62,198$61,651
2 years$31,887$31,293$30,718$30,160$29,618$29,067
3 years$21,047$20,450$19,876$19,323$18,791$18,253
4 years$15,628$15,033$14,465$13,921$13,402$12,881
5 years$12,377$11,786$11,225$10,693$10,188$9,685
6 years$10,211$9,624$9,072$8,551$8,061$7,578
7 years$8,664$8,082$7,539$7,031$6,556$6,092
8 years$7,505$6,928$6,393$5,898$5,439$4,994
9 years$6,603$6,032$5,507$5,024$4,580$4,155
10 years$5,882$5,317$4,801$4,330$3,903$3,496
11 years$5,293$4,734$4,227$3,769$3,356$2,969
12 years$4,803$4,249$3,751$3,306$2,909$2,539
13 years$4,388$3,839$3,351$2,918$2,536$2,185
14 years$4,032$3,490$3,011$2,591$2,223$1,889
15 years$3,725$3,188$2,719$2,310$1,958$1,640
16 years$3,456$2,925$2,465$2,069$1,730$1,429
17 years$3,219$2,694$2,243$1,859$1,534$1,249
18 years$3,008$2,489$2,047$1,675$1,364$1,095
19 years$2,820$2,307$1,874$1,514$1,216$961
20 years$2,651$2,144$1,720$1,371$1,086$846
21 years$2,498$1,997$1,582$1,244$972$745
22 years$2,359$1,864$1,458$1,131$871$658
23 years$2,233$1,743$1,346$1,030$782$581
24 years$2,117$1,633$1,245$940$703$514
25 years$2,011$1,533$1,153$858$632$455
26 years$1,913$1,441$1,070$785$570$404
27 years$1,822$1,356$993$718$514$358
28 years$1,738$1,278$923$658$463$318
29 years$1,660$1,205$859$603$418$282
30 years$1,588$1,138$800$554$378$251
31 years$1,520$1,076$746$509$342$223
32 years$1,456$1,018$696$467$309$198
33 years$1,397$964$650$430$280$176
34 years$1,341$914$607$395$253$157
35 years$1,288$867$568$364$229$140
36 years$1,239$823$531$335$208$124
37 years$1,192$781$497$309$188$111
38 years$1,148$743$466$285$171$98
39 years$1,106$706$436$263$155$88
40 years$1,066$672$409$242$141$78
41 years$1,029$639$383$223$127$70
42 years$993$609$360$206$116$62
43 years$959$580$337$190$105$55
44 years$927$553$317$176$95$49
45 years$896$527$297$162$87$44
46 years$867$503$279$150$79$39
47 years$839$480$262$139$71$35
48 years$812$458$247$128$65$31
49 years$786$438$232$118$59$28
50 years$762$418$218$109$53$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $780,000, adding $5,559 every year, while hoping to spend $44,278 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: 32/50/18 Blend
42$780,000$780,000$780,000$780,000
43$865,294$823,954$811,864$887,970
44$906,443$817,216$791,950$898,580
45$950,304$808,665$769,885$905,551
46$997,109$798,163$745,550$912,118
47$1,047,109$785,568$718,821$918,271
48$1,100,580$770,727$689,567$924,004
49$1,157,826$753,478$657,654$929,314
50$1,219,177$733,652$622,938$934,201
51$1,284,999$711,066$585,272$938,672
52$1,355,690$685,530$544,501$942,739
53$1,431,691$656,841$500,461$946,420
54$1,513,481$624,785$452,985$949,740
55$1,601,590$589,133$401,894$952,736
56$1,696,600$549,648$347,005$955,450
57$1,799,147$506,075$288,123$957,941
58$1,909,933$458,145$225,049$960,276
59$2,029,728$405,577$157,570$962,540
60$2,159,379$348,069$85,467$964,833
61$2,299,818$285,306$8,512$967,276
62$2,452,066$216,953$0$970,010
63$2,617,251$142,657$0$987,337
64$2,796,609$62,046$0$1,007,977
65$2,991,502$0$0$1,030,565
66$3,203,428$0$0$1,069,318
67$3,434,035$0$0$1,148,739
68$3,685,134$0$0$1,235,326
69$3,958,722$0$0$1,329,782
70$4,256,994$0$0$1,432,878
71$4,582,366$0$0$1,545,466
72$4,937,497$0$0$1,668,480
73$5,325,315$0$0$1,802,950
74$5,749,042$0$0$1,950,012
75$6,212,227$0$0$2,110,913
76$6,718,775$0$0$2,287,030
77$7,272,987$0$0$2,479,876
78$7,879,600$0$0$2,691,118
79$8,543,827$0$0$2,922,593
80$9,271,411$0$0$3,176,324
81$10,068,677$0$0$3,454,538
82$10,942,588$0$0$3,759,687
83$11,900,816$0$0$4,094,475
84$12,951,808$0$0$4,461,877
85$14,104,871$0$0$4,865,171
86$15,370,254$0$0$5,307,970
87$16,759,246$0$0$5,794,250
88$18,284,284$0$0$6,328,394
89$19,959,068$0$0$6,915,229
90$21,798,687$0$0$7,560,073
91$23,819,767$0$0$8,268,786
92$26,040,622$0$0$9,047,821
93$28,481,429$0$0$9,904,290
94$31,164,414$0$0$10,846,027
95$34,114,067$0$0$11,881,663
96$37,357,368$0$0$13,020,709
97$40,924,041$0$0$14,273,641
98$44,846,835$0$0$15,652,004
99$49,161,834$0$0$17,168,518
100$53,908,792$0$0$18,837,196