Can I retire at age 43 with 900,000?

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 $900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$74,321$73,659$73,013$72,383$71,767$69,056
2 years$36,793$36,107$35,443$34,799$34,175$31,475
3 years$24,285$23,597$22,934$22,296$21,682$19,078
4 years$18,032$17,346$16,690$16,063$15,464$12,976
5 years$14,281$13,599$12,952$12,338$11,755$9,390
6 years$11,782$11,105$10,467$9,867$9,302$7,060
7 years$9,997$9,326$8,698$8,112$7,565$5,447
8 years$8,659$7,994$7,377$6,805$6,276$4,279
9 years$7,619$6,960$6,354$5,796$5,285$3,407
10 years$6,787$6,135$5,539$4,997$4,503$2,740
11 years$6,108$5,462$4,877$4,348$3,873$2,221
12 years$5,541$4,902$4,328$3,814$3,356$1,811
13 years$5,063$4,430$3,867$3,367$2,927$1,485
14 years$4,653$4,027$3,474$2,989$2,565$1,221
15 years$4,298$3,679$3,137$2,666$2,259$1,008
16 years$3,987$3,375$2,844$2,387$1,996$834
17 years$3,714$3,108$2,588$2,145$1,770$691
18 years$3,471$2,872$2,362$1,933$1,574$574
19 years$3,254$2,662$2,163$1,746$1,403$478
20 years$3,059$2,474$1,985$1,582$1,253$398
21 years$2,883$2,304$1,826$1,436$1,121$332
22 years$2,722$2,151$1,683$1,305$1,005$277
23 years$2,577$2,012$1,554$1,189$902$231
24 years$2,443$1,885$1,437$1,084$811$193
25 years$2,320$1,769$1,331$990$730$161
26 years$2,207$1,662$1,234$905$657$135
27 years$2,103$1,564$1,146$829$593$113
28 years$2,006$1,474$1,065$759$535$94
29 years$1,916$1,391$991$696$483$79
30 years$1,832$1,313$924$639$436$66
31 years$1,754$1,242$861$587$394$55
32 years$1,680$1,175$803$539$357$46
33 years$1,612$1,113$750$496$323$39
34 years$1,547$1,054$701$456$292$32
35 years$1,487$1,000$655$420$265$27
36 years$1,429$949$613$387$240$23
37 years$1,375$902$574$356$217$19
38 years$1,324$857$537$329$197$16
39 years$1,276$815$503$303$179$13
40 years$1,230$775$472$279$162$11
41 years$1,187$738$442$258$147$9
42 years$1,146$703$415$238$133$8
43 years$1,107$670$389$220$121$7
44 years$1,069$638$366$203$110$5
45 years$1,034$609$343$187$100$5
46 years$1,000$581$322$173$91$4
47 years$968$554$303$160$82$3
48 years$937$529$285$148$75$3
49 years$907$505$267$136$68$2
50 years$879$482$251$126$62$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $900,000, adding $4,142 every year, while hoping to spend $54,619 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: 53/21/26 Blend
42$900,000$900,000$900,000$900,000
43$996,072$948,372$934,422$1,041,460
44$1,039,558$936,729$907,611$1,061,646
45$1,085,648$922,683$878,072$1,077,668
46$1,134,551$906,062$845,654$1,093,995
47$1,186,494$886,678$810,203$1,110,679
48$1,241,727$864,335$771,554$1,127,778
49$1,300,521$838,826$729,539$1,145,359
50$1,363,174$809,928$683,979$1,163,500
51$1,430,013$777,410$634,687$1,182,291
52$1,501,394$741,023$581,470$1,201,833
53$1,577,711$700,508$524,124$1,222,243
54$1,659,392$655,587$462,436$1,243,655
55$1,746,908$605,970$396,186$1,266,220
56$1,840,777$551,345$325,142$1,290,109
57$1,941,563$491,389$249,062$1,315,517
58$2,049,890$425,755$167,693$1,342,664
59$2,166,441$354,079$80,773$1,371,797
60$2,291,965$275,975$0$1,403,196
61$2,427,286$191,038$0$1,440,501
62$2,573,308$98,838$0$1,504,868
63$2,731,024$0$0$1,574,348
64$2,901,528$0$0$1,649,720
65$3,086,020$0$0$1,756,058
66$3,285,818$0$0$1,871,292
67$3,502,375$0$0$1,996,268
68$3,737,284$0$0$2,131,915
69$3,992,300$0$0$2,279,257
70$4,269,353$0$0$2,439,419
71$4,570,566$0$0$2,613,640
72$4,898,273$0$0$2,803,282
73$5,255,044$0$0$3,009,842
74$5,643,705$0$0$3,234,972
75$6,067,368$0$0$3,480,486
76$6,529,457$0$0$3,748,383
77$7,033,741$0$0$4,040,860
78$7,584,367$0$0$4,360,340
79$8,185,902$0$0$4,709,487
80$8,843,374$0$0$5,091,236
81$9,562,317$0$0$5,508,816
82$10,348,825$0$0$5,965,785
83$11,209,608$0$0$6,466,060
84$12,152,055$0$0$7,013,953
85$13,184,302$0$0$7,614,215
86$14,315,310$0$0$8,272,076
87$15,554,946$0$0$8,993,296
88$16,914,078$0$0$9,784,222
89$18,404,676$0$0$10,651,840
90$20,039,925$0$0$11,603,849
91$21,834,344$0$0$12,648,727
92$23,803,931$0$0$13,795,812
93$25,966,303$0$0$15,055,394
94$28,340,871$0$0$16,438,803
95$30,949,013$0$0$17,958,525
96$33,814,283$0$0$19,628,311
97$36,962,627$0$0$21,463,314
98$40,422,630$0$0$23,480,223
99$44,225,782$0$0$25,697,428
100$48,406,778$0$0$28,135,188