Can I retire at age 43 with 810,000?

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 $810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$66,889$66,293$65,712$65,145$64,591$62,003
2 years$33,113$32,497$31,899$31,319$30,757$28,183
3 years$21,856$21,237$20,641$20,067$19,514$17,034
4 years$16,229$15,611$15,021$14,457$13,917$11,551
5 years$12,853$12,240$11,657$11,104$10,580$8,332
6 years$10,604$9,994$9,421$8,880$8,371$6,244
7 years$8,997$8,393$7,829$7,301$6,808$4,801
8 years$7,793$7,195$6,639$6,125$5,648$3,758
9 years$6,857$6,264$5,718$5,217$4,756$2,981
10 years$6,109$5,522$4,985$4,497$4,053$2,389
11 years$5,497$4,916$4,389$3,914$3,486$1,929
12 years$4,987$4,412$3,895$3,433$3,020$1,567
13 years$4,556$3,987$3,480$3,031$2,634$1,279
14 years$4,187$3,624$3,127$2,690$2,309$1,047
15 years$3,868$3,311$2,823$2,399$2,033$861
16 years$3,589$3,038$2,560$2,148$1,797$709
17 years$3,342$2,797$2,329$1,930$1,593$585
18 years$3,124$2,585$2,126$1,739$1,416$484
19 years$2,929$2,396$1,946$1,572$1,263$401
20 years$2,753$2,226$1,786$1,424$1,128$332
21 years$2,594$2,074$1,643$1,292$1,009$276
22 years$2,450$1,936$1,514$1,175$905$229
23 years$2,319$1,810$1,398$1,070$812$190
24 years$2,199$1,696$1,293$976$730$158
25 years$2,088$1,592$1,198$891$657$131
26 years$1,987$1,496$1,111$815$592$109
27 years$1,892$1,408$1,031$746$533$91
28 years$1,805$1,327$959$683$481$76
29 years$1,724$1,252$892$627$435$63
30 years$1,649$1,182$831$575$393$52
31 years$1,578$1,117$775$528$355$44
32 years$1,512$1,057$723$485$321$36
33 years$1,451$1,001$675$446$291$30
34 years$1,393$949$631$411$263$25
35 years$1,338$900$590$378$238$21
36 years$1,286$854$552$348$216$18
37 years$1,238$811$516$321$196$15
38 years$1,192$771$484$296$177$12
39 years$1,149$733$453$273$161$10
40 years$1,107$698$425$251$146$8
41 years$1,068$664$398$232$132$7
42 years$1,031$632$373$214$120$6
43 years$996$603$350$198$109$5
44 years$962$574$329$183$99$4
45 years$930$548$309$169$90$3
46 years$900$523$290$156$82$3
47 years$871$499$273$144$74$2
48 years$843$476$256$133$67$2
49 years$816$455$241$123$61$2
50 years$791$434$226$114$55$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $810,000, adding $2,237 every year, while hoping to spend $28,472 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: 36/45/19 Blend
42$810,000$810,000$810,000$810,000
43$894,927$851,997$839,442$921,908
44$955,916$863,451$837,270$953,207
45$1,022,171$874,512$834,070$984,147
46$1,094,200$885,131$829,779$1,016,956
47$1,172,561$895,254$824,329$1,051,818
48$1,257,867$904,827$817,648$1,088,936
49$1,350,794$913,788$809,664$1,128,534
50$1,452,085$922,073$800,298$1,170,863
51$1,562,558$929,616$789,469$1,216,199
52$1,683,114$936,342$777,091$1,264,848
53$1,814,744$942,175$763,076$1,317,149
54$1,958,538$947,032$747,329$1,373,478
55$2,115,699$950,826$729,754$1,434,251
56$2,287,547$953,463$710,248$1,499,929
57$2,475,539$954,846$688,704$1,571,021
58$2,681,279$954,868$665,010$1,648,093
59$2,906,531$953,418$639,049$1,731,769
60$3,153,239$950,377$610,699$1,822,739
61$3,423,544$945,620$579,832$1,921,770
62$3,719,803$939,013$546,314$2,029,707
63$4,044,613$930,415$510,006$2,147,485
64$4,400,833$919,675$470,761$2,276,141
65$4,791,613$906,634$428,427$2,416,818
66$5,220,423$891,124$382,844$2,570,783
67$5,691,083$872,967$333,847$2,739,433
68$6,207,804$851,972$281,260$2,924,317
69$6,775,221$827,940$224,904$3,127,142
70$7,398,442$800,658$164,587$3,349,799
71$8,083,095$769,901$100,112$3,594,375
72$8,835,378$735,434$31,273$3,863,176
73$9,662,119$697,003$0$4,158,750
74$10,570,843$654,343$0$4,492,467
75$11,569,836$607,174$0$4,866,204
76$12,668,231$555,197$0$5,277,096
77$13,876,088$498,099$0$5,728,986
78$15,204,491$435,548$0$6,226,114
79$16,665,652$367,192$0$6,773,159
80$18,273,025$292,662$0$7,375,284
81$20,041,437$211,565$0$8,038,184
82$21,987,220$123,488$0$8,768,144
83$24,128,372$27,994$0$9,572,097
84$26,484,722$0$0$10,457,692
85$29,078,121$0$0$11,470,692
86$31,932,644$0$0$12,601,085
87$35,074,817$0$0$13,845,531
88$38,533,871$0$0$15,215,622
89$42,342,013$0$0$16,724,135
90$46,534,733$0$0$18,385,146
91$51,151,135$0$0$20,214,168
92$56,234,312$0$0$22,228,292
93$61,831,744$0$0$24,446,355
94$67,995,752$0$0$26,889,109
95$74,783,990$0$0$29,579,424
96$82,259,988$0$0$32,542,502
97$90,493,750$0$0$35,806,112
98$99,562,418$0$0$39,400,856
99$109,550,997$0$0$43,360,452
100$120,553,157$0$0$47,722,059