Can I retire at age 43 with 900,000?

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 $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%15.2%
1 years$74,321$73,659$73,013$72,383$71,767$70,232
2 years$36,793$36,107$35,443$34,799$34,175$32,636
3 years$24,285$23,597$22,934$22,296$21,682$20,187
4 years$18,032$17,346$16,690$16,063$15,464$14,024
5 years$14,281$13,599$12,952$12,338$11,755$10,375
6 years$11,782$11,105$10,467$9,867$9,302$7,983
7 years$9,997$9,326$8,698$8,112$7,565$6,307
8 years$8,659$7,994$7,377$6,805$6,276$5,079
9 years$7,619$6,960$6,354$5,796$5,285$4,148
10 years$6,787$6,135$5,539$4,997$4,503$3,425
11 years$6,108$5,462$4,877$4,348$3,873$2,853
12 years$5,541$4,902$4,328$3,814$3,356$2,392
13 years$5,063$4,430$3,867$3,367$2,927$2,017
14 years$4,653$4,027$3,474$2,989$2,565$1,708
15 years$4,298$3,679$3,137$2,666$2,259$1,452
16 years$3,987$3,375$2,844$2,387$1,996$1,238
17 years$3,714$3,108$2,588$2,145$1,770$1,059
18 years$3,471$2,872$2,362$1,933$1,574$907
19 years$3,254$2,662$2,163$1,746$1,403$779
20 years$3,059$2,474$1,985$1,582$1,253$669
21 years$2,883$2,304$1,826$1,436$1,121$576
22 years$2,722$2,151$1,683$1,305$1,005$497
23 years$2,577$2,012$1,554$1,189$902$429
24 years$2,443$1,885$1,437$1,084$811$370
25 years$2,320$1,769$1,331$990$730$320
26 years$2,207$1,662$1,234$905$657$277
27 years$2,103$1,564$1,146$829$593$239
28 years$2,006$1,474$1,065$759$535$207
29 years$1,916$1,391$991$696$483$179
30 years$1,832$1,313$924$639$436$155
31 years$1,754$1,242$861$587$394$135
32 years$1,680$1,175$803$539$357$117
33 years$1,612$1,113$750$496$323$101
34 years$1,547$1,054$701$456$292$88
35 years$1,487$1,000$655$420$265$76
36 years$1,429$949$613$387$240$66
37 years$1,375$902$574$356$217$57
38 years$1,324$857$537$329$197$50
39 years$1,276$815$503$303$179$43
40 years$1,230$775$472$279$162$37
41 years$1,187$738$442$258$147$32
42 years$1,146$703$415$238$133$28
43 years$1,107$670$389$220$121$24
44 years$1,069$638$366$203$110$21
45 years$1,034$609$343$187$100$18
46 years$1,000$581$322$173$91$16
47 years$968$554$303$160$82$14
48 years$937$529$285$148$75$12
49 years$907$505$267$136$68$10
50 years$879$482$251$126$62$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $900,000, adding $2,844 every year, while hoping to spend $57,133 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: 35/40/25 Blend
42$900,000$900,000$900,000$900,000
43$994,734$947,034$933,084$1,021,943
44$1,035,407$932,649$903,553$1,028,022
45$1,078,315$915,645$871,118$1,029,179
46$1,123,624$895,833$835,621$1,029,295
47$1,171,517$873,012$796,898$1,028,317
48$1,222,194$846,971$754,776$1,026,187
49$1,275,872$817,487$709,075$1,022,849
50$1,332,789$784,322$659,607$1,018,247
51$1,393,205$747,226$606,176$1,012,325
52$1,457,404$705,932$548,575$1,005,029
53$1,525,698$660,161$486,591$996,305
54$1,598,426$609,616$419,999$986,103
55$1,675,961$553,983$348,565$974,375
56$1,758,712$492,931$272,044$961,074
57$1,847,125$426,109$190,182$946,162
58$1,941,690$353,147$102,711$929,604
59$2,042,945$273,653$9,355$911,369
60$2,151,479$187,216$0$891,439
61$2,267,938$93,398$0$893,881
62$2,393,032$0$0$898,841
63$2,527,539$0$0$907,555
64$2,672,313$0$0$961,274
65$2,828,294$0$0$1,019,249
66$2,996,513$0$0$1,081,875
67$3,178,101$0$0$1,149,586
68$3,374,304$0$0$1,222,861
69$3,586,488$0$0$1,302,224
70$3,816,157$0$0$1,388,253
71$4,064,964$0$0$1,481,584
72$4,334,725$0$0$1,582,913
73$4,627,439$0$0$1,693,009
74$4,945,302$0$0$1,812,718
75$5,290,732$0$0$1,942,967
76$5,666,388$0$0$2,084,781
77$6,075,195$0$0$2,239,285
78$6,520,371$0$0$2,407,716
79$7,005,459$0$0$2,591,438
80$7,534,356$0$0$2,791,950
81$8,111,352$0$0$3,010,905
82$8,741,169$0$0$3,250,120
83$9,429,006$0$0$3,511,596
84$10,180,582$0$0$3,797,536
85$11,002,199$0$0$4,110,367
86$11,900,792$0$0$4,452,759
87$12,883,997$0$0$4,827,653
88$13,960,222$0$0$5,238,290
89$15,138,727$0$0$5,688,235
90$16,429,709$0$0$6,181,417
91$17,844,396$0$0$6,722,163
92$19,395,154$0$0$7,315,237
93$21,095,605$0$0$7,965,889
94$22,960,750$0$0$8,679,898
95$25,007,111$0$0$9,463,634
96$27,252,888$0$0$10,324,110
97$29,718,129$0$0$11,269,052
98$32,424,916$0$0$12,306,973
99$35,397,575$0$0$13,447,249
100$38,662,903$0$0$14,700,210