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%19.9%
1 years$74,321$73,659$73,013$72,383$71,767$68,920
2 years$36,793$36,107$35,443$34,799$34,175$31,341
3 years$24,285$23,597$22,934$22,296$21,682$18,952
4 years$18,032$17,346$16,690$16,063$15,464$12,857
5 years$14,281$13,599$12,952$12,338$11,755$9,280
6 years$11,782$11,105$10,467$9,867$9,302$6,958
7 years$9,997$9,326$8,698$8,112$7,565$5,353
8 years$8,659$7,994$7,377$6,805$6,276$4,193
9 years$7,619$6,960$6,354$5,796$5,285$3,328
10 years$6,787$6,135$5,539$4,997$4,503$2,668
11 years$6,108$5,462$4,877$4,348$3,873$2,156
12 years$5,541$4,902$4,328$3,814$3,356$1,752
13 years$5,063$4,430$3,867$3,367$2,927$1,431
14 years$4,653$4,027$3,474$2,989$2,565$1,173
15 years$4,298$3,679$3,137$2,666$2,259$965
16 years$3,987$3,375$2,844$2,387$1,996$795
17 years$3,714$3,108$2,588$2,145$1,770$657
18 years$3,471$2,872$2,362$1,933$1,574$544
19 years$3,254$2,662$2,163$1,746$1,403$450
20 years$3,059$2,474$1,985$1,582$1,253$374
21 years$2,883$2,304$1,826$1,436$1,121$310
22 years$2,722$2,151$1,683$1,305$1,005$258
23 years$2,577$2,012$1,554$1,189$902$214
24 years$2,443$1,885$1,437$1,084$811$178
25 years$2,320$1,769$1,331$990$730$148
26 years$2,207$1,662$1,234$905$657$124
27 years$2,103$1,564$1,146$829$593$103
28 years$2,006$1,474$1,065$759$535$86
29 years$1,916$1,391$991$696$483$71
30 years$1,832$1,313$924$639$436$59
31 years$1,754$1,242$861$587$394$50
32 years$1,680$1,175$803$539$357$41
33 years$1,612$1,113$750$496$323$34
34 years$1,547$1,054$701$456$292$29
35 years$1,487$1,000$655$420$265$24
36 years$1,429$949$613$387$240$20
37 years$1,375$902$574$356$217$17
38 years$1,324$857$537$329$197$14
39 years$1,276$815$503$303$179$12
40 years$1,230$775$472$279$162$10
41 years$1,187$738$442$258$147$8
42 years$1,146$703$415$238$133$7
43 years$1,107$670$389$220$121$6
44 years$1,069$638$366$203$110$5
45 years$1,034$609$343$187$100$4
46 years$1,000$581$322$173$91$3
47 years$968$554$303$160$82$3
48 years$937$529$285$148$75$2
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 $6,154 every year, while hoping to spend $28,200 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: 33/41/26 Blend
42$900,000$900,000$900,000$900,000
43$998,148$950,448$936,498$1,023,014
44$1,069,954$967,015$937,866$1,058,891
45$1,148,140$983,449$938,335$1,094,577
46$1,233,326$999,714$937,844$1,132,480
47$1,326,195$1,015,769$936,332$1,172,815
48$1,427,499$1,031,574$933,731$1,215,819
49$1,538,066$1,047,084$929,974$1,261,755
50$1,658,808$1,062,250$924,987$1,310,916
51$1,790,726$1,077,020$918,694$1,363,622
52$1,934,926$1,091,340$911,016$1,420,231
53$2,092,624$1,105,151$901,870$1,481,137
54$2,265,157$1,118,389$891,168$1,546,776
55$2,453,999$1,130,986$878,819$1,617,630
56$2,660,774$1,142,871$864,726$1,694,234
57$2,887,269$1,153,968$848,790$1,777,177
58$3,135,451$1,164,193$830,906$1,867,112
59$3,407,489$1,173,461$810,963$1,964,760
60$3,705,771$1,181,678$788,848$2,070,918
61$4,032,924$1,188,745$764,439$2,186,468
62$4,391,846$1,194,557$737,611$2,312,384
63$4,785,726$1,199,002$708,233$2,449,743
64$5,218,078$1,201,961$676,167$2,599,735
65$5,692,772$1,203,308$641,269$2,763,674
66$6,214,072$1,202,907$603,389$2,943,012
67$6,786,676$1,200,618$562,370$3,139,355
68$7,415,756$1,196,287$518,049$3,354,475
69$8,107,012$1,189,754$470,253$3,590,328
70$8,866,724$1,180,849$418,803$3,849,079
71$9,701,811$1,169,391$363,514$4,133,113
72$10,619,892$1,155,188$304,188$4,445,069
73$11,629,365$1,138,037$240,623$4,787,858
74$12,739,482$1,117,722$172,605$5,164,693
75$13,960,433$1,094,015$99,911$5,579,125
76$15,303,450$1,066,674$22,311$6,035,070
77$16,780,905$1,035,444$0$6,536,852
78$18,406,430$1,000,053$0$7,106,031
79$20,195,045$960,215$0$7,738,786
80$22,163,301$915,627$0$8,434,807
81$24,329,432$865,967$0$9,200,589
82$26,713,531$810,896$0$10,043,291
83$29,337,736$750,056$0$10,970,809
84$32,226,443$683,066$0$11,991,851
85$35,406,530$609,526$0$13,116,019
86$38,907,614$529,011$0$14,353,899
87$42,762,333$441,074$0$15,717,168
88$47,006,646$345,242$0$17,218,699
89$51,680,180$241,015$0$18,872,686
90$56,826,598$127,864$0$20,694,781
91$62,494,014$5,233$0$22,702,239
92$68,735,446$0$0$24,914,088
93$75,609,317$0$0$27,408,813
94$83,180,002$0$0$30,159,220
95$91,518,441$0$0$33,188,741
96$100,702,805$0$0$36,525,801
97$110,819,232$0$0$40,201,724
98$121,962,643$0$0$44,251,025
99$134,237,639$0$0$48,711,740
100$147,759,480$0$0$53,625,781