Can I retire at age 43 with 780,000?

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 $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%12.7%
1 years$64,412$63,838$63,278$62,732$62,198$61,498
2 years$31,887$31,293$30,718$30,160$29,618$28,913
3 years$21,047$20,450$19,876$19,323$18,791$18,103
4 years$15,628$15,033$14,465$13,921$13,402$12,736
5 years$12,377$11,786$11,225$10,693$10,188$9,547
6 years$10,211$9,624$9,072$8,551$8,061$7,445
7 years$8,664$8,082$7,539$7,031$6,556$5,965
8 years$7,505$6,928$6,393$5,898$5,439$4,874
9 years$6,603$6,032$5,507$5,024$4,580$4,040
10 years$5,882$5,317$4,801$4,330$3,903$3,388
11 years$5,293$4,734$4,227$3,769$3,356$2,866
12 years$4,803$4,249$3,751$3,306$2,909$2,442
13 years$4,388$3,839$3,351$2,918$2,536$2,093
14 years$4,032$3,490$3,011$2,591$2,223$1,803
15 years$3,725$3,188$2,719$2,310$1,958$1,559
16 years$3,456$2,925$2,465$2,069$1,730$1,353
17 years$3,219$2,694$2,243$1,859$1,534$1,177
18 years$3,008$2,489$2,047$1,675$1,364$1,027
19 years$2,820$2,307$1,874$1,514$1,216$898
20 years$2,651$2,144$1,720$1,371$1,086$787
21 years$2,498$1,997$1,582$1,244$972$690
22 years$2,359$1,864$1,458$1,131$871$606
23 years$2,233$1,743$1,346$1,030$782$533
24 years$2,117$1,633$1,245$940$703$470
25 years$2,011$1,533$1,153$858$632$414
26 years$1,913$1,441$1,070$785$570$365
27 years$1,822$1,356$993$718$514$322
28 years$1,738$1,278$923$658$463$285
29 years$1,660$1,205$859$603$418$252
30 years$1,588$1,138$800$554$378$222
31 years$1,520$1,076$746$509$342$197
32 years$1,456$1,018$696$467$309$174
33 years$1,397$964$650$430$280$154
34 years$1,341$914$607$395$253$136
35 years$1,288$867$568$364$229$121
36 years$1,239$823$531$335$208$107
37 years$1,192$781$497$309$188$95
38 years$1,148$743$466$285$171$84
39 years$1,106$706$436$263$155$74
40 years$1,066$672$409$242$141$66
41 years$1,029$639$383$223$127$58
42 years$993$609$360$206$116$52
43 years$959$580$337$190$105$46
44 years$927$553$317$176$95$41
45 years$896$527$297$162$87$36
46 years$867$503$279$150$79$32
47 years$839$480$262$139$71$28
48 years$812$458$247$128$65$25
49 years$786$438$232$118$59$22
50 years$762$418$218$109$53$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $780,000, adding $6,418 every year, while hoping to spend $25,914 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: 59/34/7 Blend
42$780,000$780,000$780,000$780,000
43$866,180$824,840$812,750$915,635
44$926,958$837,685$812,405$962,415
45$993,067$850,291$811,180$1,009,874
46$1,065,023$862,618$809,018$1,060,970
47$1,143,395$874,626$805,859$1,116,053
48$1,228,807$886,268$801,641$1,175,509
49$1,321,948$897,498$796,299$1,239,764
50$1,423,575$908,264$789,763$1,309,287
51$1,534,522$918,512$781,963$1,384,596
52$1,655,707$928,182$772,822$1,466,261
53$1,788,139$937,213$762,261$1,554,911
54$1,932,931$945,538$750,199$1,651,239
55$2,091,308$953,087$736,548$1,756,011
56$2,264,617$959,785$721,219$1,870,070
57$2,454,344$965,550$704,115$1,994,345
58$2,662,123$970,298$685,139$2,129,863
59$2,889,755$973,938$664,187$2,277,753
60$3,139,222$976,373$641,149$2,439,263
61$3,412,709$977,501$615,913$2,615,768
62$3,712,619$977,213$588,361$2,808,784
63$4,041,603$975,392$558,367$3,019,984
64$4,402,577$971,917$525,803$3,251,211
65$4,798,756$966,657$490,533$3,504,498
66$5,233,678$959,473$452,416$3,782,088
67$5,711,245$950,219$411,303$4,086,454
68$6,235,751$938,738$367,041$4,420,321
69$6,811,929$924,867$319,468$4,786,696
70$7,444,990$908,431$268,415$5,188,893
71$8,140,679$889,243$213,706$5,630,569
72$8,905,321$867,109$155,158$6,115,753
73$9,745,887$841,821$92,580$6,648,889
74$10,670,056$813,158$25,769$7,234,878
75$11,686,288$780,889$0$7,879,122
76$12,803,904$744,767$0$8,590,980
77$14,033,173$704,532$0$9,375,892
78$15,385,411$659,909$0$10,239,191
79$16,873,084$610,606$0$11,188,879
80$18,509,929$556,315$0$12,233,777
81$20,311,078$496,711$0$13,383,608
82$22,293,209$431,451$0$14,649,093
83$24,474,695$360,171$0$16,042,048
84$26,875,781$282,486$0$17,575,499
85$29,518,775$197,992$0$19,263,806
86$32,428,257$106,261$0$21,122,797
87$35,631,311$6,839$0$23,169,920
88$39,157,780$0$0$25,424,410
89$43,040,550$0$0$27,945,161
90$47,315,855$0$0$30,723,653
91$52,023,625$0$0$33,783,285
92$57,207,856$0$0$37,152,663
93$62,917,029$0$0$40,863,307
94$69,204,569$0$0$44,949,951
95$76,129,343$0$0$49,450,868
96$83,756,220$0$0$54,408,233
97$92,156,681$0$0$59,868,521
98$101,409,495$0$0$65,882,943
99$111,601,460$0$0$72,507,934
100$122,828,224$0$0$79,805,678