Can I retire at age 43 with 800,000?

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 $800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$66,063$65,475$64,901$64,340$63,793$62,531
2 years$32,705$32,095$31,505$30,933$30,378$29,111
3 years$21,586$20,975$20,386$19,819$19,273$18,042
4 years$16,029$15,419$14,836$14,278$13,746$12,559
5 years$12,695$12,088$11,513$10,967$10,449$9,311
6 years$10,473$9,871$9,304$8,771$8,268$7,179
7 years$8,886$8,290$7,732$7,211$6,724$5,685
8 years$7,697$7,106$6,557$6,049$5,578$4,589
9 years$6,773$6,187$5,648$5,152$4,698$3,757
10 years$6,033$5,453$4,924$4,441$4,003$3,110
11 years$5,429$4,855$4,335$3,865$3,442$2,597
12 years$4,926$4,357$3,847$3,390$2,983$2,183
13 years$4,500$3,938$3,437$2,993$2,601$1,845
14 years$4,136$3,579$3,088$2,657$2,280$1,567
15 years$3,820$3,270$2,788$2,370$2,008$1,336
16 years$3,544$3,000$2,528$2,122$1,775$1,142
17 years$3,301$2,763$2,300$1,906$1,573$980
18 years$3,085$2,553$2,100$1,718$1,399$842
19 years$2,892$2,366$1,922$1,552$1,247$725
20 years$2,719$2,199$1,764$1,406$1,114$625
21 years$2,562$2,048$1,623$1,276$997$540
22 years$2,420$1,912$1,496$1,160$893$467
23 years$2,290$1,788$1,381$1,057$802$404
24 years$2,172$1,675$1,277$964$721$350
25 years$2,063$1,572$1,183$880$649$303
26 years$1,962$1,478$1,097$805$584$263
27 years$1,869$1,391$1,019$737$527$228
28 years$1,783$1,310$947$675$475$198
29 years$1,703$1,236$881$619$429$172
30 years$1,628$1,167$821$568$388$150
31 years$1,559$1,104$765$522$351$130
32 years$1,494$1,044$714$479$317$113
33 years$1,433$989$667$441$287$98
34 years$1,375$937$623$406$260$86
35 years$1,321$889$582$373$235$74
36 years$1,271$844$545$344$213$65
37 years$1,223$801$510$317$193$56
38 years$1,177$762$478$292$175$49
39 years$1,134$724$447$269$159$43
40 years$1,094$689$419$248$144$37
41 years$1,055$656$393$229$131$32
42 years$1,019$625$369$211$119$28
43 years$984$595$346$195$108$25
44 years$951$567$325$180$98$21
45 years$919$541$305$166$89$19
46 years$889$516$287$154$81$16
47 years$860$492$269$142$73$14
48 years$833$470$253$131$66$12
49 years$806$449$238$121$60$11
50 years$781$429$224$112$55$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $800,000, adding $4,708 every year, while hoping to spend $33,160 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: 44/39/17 Blend
42$800,000$800,000$800,000$800,000
43$886,456$844,056$831,656$920,916
44$941,593$850,133$824,235$951,630
45$1,001,242$855,396$815,453$981,240
46$1,065,829$859,771$805,231$1,012,631
47$1,135,821$863,177$793,484$1,045,981
48$1,211,733$865,531$780,124$1,081,490
49$1,294,130$866,742$765,058$1,119,378
50$1,383,633$866,714$748,189$1,159,892
51$1,480,927$865,347$729,417$1,203,303
52$1,586,764$862,531$708,635$1,249,915
53$1,701,972$858,153$685,732$1,300,061
54$1,827,462$852,092$660,593$1,354,114
55$1,964,236$844,218$633,097$1,412,487
56$2,113,398$834,394$603,115$1,475,635
57$2,276,163$822,477$570,517$1,544,066
58$2,453,866$808,313$535,164$1,618,340
59$2,647,979$791,739$496,911$1,699,080
60$2,860,121$772,583$455,607$1,786,973
61$3,092,077$750,664$411,093$1,882,783
62$3,345,810$725,787$363,205$1,987,353
63$3,623,481$697,749$311,771$2,101,618
64$3,927,471$666,333$256,610$2,226,612
65$4,260,401$631,312$197,535$2,363,481
66$4,625,159$592,443$134,349$2,513,490
67$5,024,923$549,470$66,848$2,678,041
68$5,463,195$502,124$0$2,858,683
69$5,943,831$450,119$0$3,058,071
70$6,471,079$393,152$0$3,290,162
71$7,049,617$330,904$0$3,544,953
72$7,684,598$263,038$0$3,824,806
73$8,381,699$189,199$0$4,132,327
74$9,147,172$109,010$0$4,470,394
75$9,987,905$22,073$0$4,842,183
76$10,911,486$0$0$5,251,202
77$11,926,275$0$0$5,732,236
78$13,041,478$0$0$6,271,383
79$14,267,243$0$0$6,864,088
80$15,614,745$0$0$7,515,770
81$17,096,297$0$0$8,232,396
82$18,725,467$0$0$9,020,545
83$20,517,201$0$0$9,887,460
84$22,487,966$0$0$10,841,126
85$24,655,906$0$0$11,890,337
86$27,041,013$0$0$13,044,786
87$29,665,312$0$0$14,315,150
88$32,553,072$0$0$15,713,194
89$35,731,033$0$0$17,251,883
90$39,228,659$0$0$18,945,501
91$43,078,415$0$0$20,809,786
92$47,316,071$0$0$22,862,081
93$51,981,043$0$0$25,121,496
94$57,116,763$0$0$27,609,087
95$62,771,086$0$0$30,348,056
96$68,996,745$0$0$33,363,969
97$75,851,845$0$0$36,684,999
98$83,400,416$0$0$40,342,187
99$91,713,008$0$0$44,369,741
100$100,867,366$0$0$48,805,355