Can I retire at age 43 with 850,000?

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 $850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$70,192$69,567$68,957$68,362$67,780$65,091
2 years$34,749$34,101$33,474$32,866$32,276$29,600
3 years$22,936$22,286$21,660$21,058$20,477$17,899
4 years$17,030$16,382$15,763$15,171$14,605$12,143
5 years$13,488$12,844$12,233$11,653$11,102$8,764
6 years$11,127$10,488$9,886$9,319$8,785$6,572
7 years$9,442$8,808$8,215$7,661$7,144$5,055
8 years$8,178$7,550$6,967$6,427$5,927$3,960
9 years$7,196$6,574$6,001$5,474$4,991$3,143
10 years$6,410$5,794$5,232$4,719$4,253$2,520
11 years$5,768$5,158$4,606$4,107$3,658$2,036
12 years$5,234$4,630$4,088$3,602$3,170$1,655
13 years$4,781$4,184$3,652$3,180$2,764$1,352
14 years$4,394$3,803$3,281$2,823$2,423$1,108
15 years$4,059$3,474$2,963$2,518$2,133$911
16 years$3,766$3,188$2,686$2,254$1,885$751
17 years$3,507$2,936$2,444$2,026$1,672$621
18 years$3,278$2,713$2,231$1,825$1,486$513
19 years$3,073$2,514$2,043$1,649$1,325$425
20 years$2,889$2,336$1,875$1,494$1,183$353
21 years$2,722$2,176$1,724$1,356$1,059$293
22 years$2,571$2,031$1,589$1,233$949$243
23 years$2,433$1,900$1,467$1,123$852$202
24 years$2,307$1,780$1,357$1,024$766$168
25 years$2,191$1,670$1,257$935$689$140
26 years$2,085$1,570$1,166$855$621$117
27 years$1,986$1,478$1,082$783$560$97
28 years$1,894$1,392$1,006$717$505$81
29 years$1,809$1,313$936$658$456$67
30 years$1,730$1,240$872$603$412$56
31 years$1,656$1,173$813$554$373$47
32 years$1,587$1,109$759$509$337$39
33 years$1,522$1,051$708$468$305$33
34 years$1,461$996$662$431$276$27
35 years$1,404$945$619$397$250$23
36 years$1,350$897$579$365$227$19
37 years$1,299$851$542$337$205$16
38 years$1,251$809$507$310$186$13
39 years$1,205$769$475$286$169$11
40 years$1,162$732$446$264$153$9
41 years$1,121$697$418$243$139$8
42 years$1,082$664$392$225$126$6
43 years$1,045$632$368$207$114$5
44 years$1,010$603$345$192$104$4
45 years$976$575$324$177$94$4
46 years$944$548$304$163$86$3
47 years$914$523$286$151$78$3
48 years$885$500$269$139$71$2
49 years$857$477$253$129$64$2
50 years$830$456$238$119$58$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $850,000, adding $4,860 every year, while hoping to spend $57,554 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: 55/36/9 Blend
42$850,000$850,000$850,000$850,000
43$941,713$896,663$883,488$991,181
44$976,531$879,363$851,848$1,007,893
45$1,012,971$859,285$817,219$1,019,324
46$1,051,138$836,235$779,440$1,030,391
47$1,091,146$810,002$738,343$1,041,068
48$1,133,118$780,367$693,752$1,051,331
49$1,177,187$747,096$645,484$1,061,155
50$1,223,499$709,942$593,347$1,070,517
51$1,272,211$668,645$537,139$1,079,396
52$1,323,495$622,927$476,651$1,087,772
53$1,377,537$572,496$411,665$1,095,628
54$1,434,542$517,045$341,952$1,102,949
55$1,494,732$456,246$267,274$1,109,725
56$1,558,347$389,754$187,380$1,115,949
57$1,625,652$317,206$102,011$1,121,620
58$1,696,936$238,216$10,895$1,126,742
59$1,772,512$152,378$0$1,131,326
60$1,852,726$59,262$0$1,143,682
61$1,937,954$0$0$1,157,203
62$2,028,606$0$0$1,187,383
63$2,125,134$0$0$1,244,561
64$2,228,031$0$0$1,305,557
65$2,337,836$0$0$1,370,697
66$2,455,141$0$0$1,440,338
67$2,580,595$0$0$1,514,873
68$2,714,909$0$0$1,594,730
69$2,858,863$0$0$1,680,381
70$3,013,311$0$0$1,772,342
71$3,179,193$0$0$1,871,181
72$3,357,538$0$0$1,977,521
73$3,549,477$0$0$2,092,044
74$3,756,252$0$0$2,215,503
75$3,979,228$0$0$2,348,722
76$4,219,902$0$0$2,492,607
77$4,479,920$0$0$2,648,155
78$4,761,093$0$0$2,816,459
79$5,065,408$0$0$2,998,723
80$5,395,051$0$0$3,196,270
81$5,752,427$0$0$3,410,555
82$6,140,179$0$0$3,643,178
83$6,561,212$0$0$3,895,897
84$7,018,726$0$0$4,170,649
85$7,516,236$0$0$4,469,563
86$8,057,612$0$0$4,794,981
87$8,647,113$0$0$5,149,482
88$9,289,423$0$0$5,535,903
89$9,989,698$0$0$5,957,365
90$10,753,612$0$0$6,417,306
91$11,587,413$0$0$6,919,509
92$12,497,975$0$0$7,468,136
93$13,492,866$0$0$8,067,772
94$14,580,419$0$0$8,723,465
95$15,769,808$0$0$9,440,772
96$17,071,133$0$0$10,225,810
97$18,495,517$0$0$11,085,317
98$20,055,207$0$0$12,026,714
99$21,763,689$0$0$13,058,169
100$23,635,816$0$0$14,188,682