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%12.1%
1 years$74,321$73,659$73,013$72,383$71,767$71,136
2 years$36,793$36,107$35,443$34,799$34,175$33,539
3 years$24,285$23,597$22,934$22,296$21,682$21,061
4 years$18,032$17,346$16,690$16,063$15,464$14,862
5 years$14,281$13,599$12,952$12,338$11,755$11,175
6 years$11,782$11,105$10,467$9,867$9,302$8,744
7 years$9,997$9,326$8,698$8,112$7,565$7,029
8 years$8,659$7,994$7,377$6,805$6,276$5,763
9 years$7,619$6,960$6,354$5,796$5,285$4,794
10 years$6,787$6,135$5,539$4,997$4,503$4,034
11 years$6,108$5,462$4,877$4,348$3,873$3,425
12 years$5,541$4,902$4,328$3,814$3,356$2,930
13 years$5,063$4,430$3,867$3,367$2,927$2,521
14 years$4,653$4,027$3,474$2,989$2,565$2,180
15 years$4,298$3,679$3,137$2,666$2,259$1,893
16 years$3,987$3,375$2,844$2,387$1,996$1,649
17 years$3,714$3,108$2,588$2,145$1,770$1,442
18 years$3,471$2,872$2,362$1,933$1,574$1,263
19 years$3,254$2,662$2,163$1,746$1,403$1,109
20 years$3,059$2,474$1,985$1,582$1,253$976
21 years$2,883$2,304$1,826$1,436$1,121$860
22 years$2,722$2,151$1,683$1,305$1,005$759
23 years$2,577$2,012$1,554$1,189$902$671
24 years$2,443$1,885$1,437$1,084$811$593
25 years$2,320$1,769$1,331$990$730$525
26 years$2,207$1,662$1,234$905$657$466
27 years$2,103$1,564$1,146$829$593$413
28 years$2,006$1,474$1,065$759$535$366
29 years$1,916$1,391$991$696$483$325
30 years$1,832$1,313$924$639$436$289
31 years$1,754$1,242$861$587$394$257
32 years$1,680$1,175$803$539$357$228
33 years$1,612$1,113$750$496$323$203
34 years$1,547$1,054$701$456$292$181
35 years$1,487$1,000$655$420$265$161
36 years$1,429$949$613$387$240$143
37 years$1,375$902$574$356$217$128
38 years$1,324$857$537$329$197$114
39 years$1,276$815$503$303$179$101
40 years$1,230$775$472$279$162$90
41 years$1,187$738$442$258$147$80
42 years$1,146$703$415$238$133$72
43 years$1,107$670$389$220$121$64
44 years$1,069$638$366$203$110$57
45 years$1,034$609$343$187$100$51
46 years$1,000$581$322$173$91$45
47 years$968$554$303$160$82$40
48 years$937$529$285$148$75$36
49 years$907$505$267$136$68$32
50 years$879$482$251$126$62$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $900,000, adding $2,367 every year, while hoping to spend $25,027 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: 71/17/12 Blend
42$900,000$900,000$900,000$900,000
43$994,242$946,542$932,592$1,062,164
44$1,069,026$966,294$937,205$1,127,236
45$1,150,599$986,175$941,134$1,195,164
46$1,239,627$1,006,165$944,329$1,268,856
47$1,336,844$1,026,242$946,739$1,348,876
48$1,443,057$1,046,382$948,309$1,435,843
49$1,559,154$1,066,559$948,983$1,530,441
50$1,686,113$1,086,746$948,699$1,633,424
51$1,825,011$1,106,912$947,395$1,745,621
52$1,977,035$1,127,023$945,006$1,867,946
53$2,143,490$1,147,045$941,461$2,001,406
54$2,325,815$1,166,939$936,689$2,147,111
55$2,525,593$1,186,664$930,613$2,306,282
56$2,744,569$1,206,176$923,154$2,480,268
57$2,984,663$1,225,427$914,228$2,670,551
58$3,247,992$1,244,366$903,747$2,878,769
59$3,536,885$1,262,938$891,621$3,106,723
60$3,853,910$1,281,084$877,753$3,356,398
61$4,201,893$1,298,742$862,042$3,629,985
62$4,583,950$1,315,844$844,384$3,929,894
63$5,003,511$1,332,318$824,669$4,258,783
64$5,464,354$1,348,087$802,780$4,619,582
65$5,970,644$1,363,069$778,599$5,015,519
66$6,526,967$1,377,176$752,000$5,450,150
67$7,138,375$1,390,315$722,849$5,927,397
68$7,810,435$1,402,386$691,010$6,451,579
69$8,549,279$1,413,283$656,339$7,027,458
70$9,361,664$1,422,893$618,685$7,660,283
71$10,255,034$1,431,095$577,891$8,355,836
72$11,237,590$1,437,760$533,792$9,120,491
73$12,318,367$1,442,754$486,218$9,961,273
74$13,507,322$1,445,930$434,987$10,885,922
75$14,815,423$1,447,135$379,914$11,902,972
76$16,254,757$1,446,205$320,801$13,021,824
77$17,838,640$1,442,967$257,446$14,252,843
78$19,581,744$1,437,236$189,634$15,607,449
79$21,500,238$1,428,816$117,142$17,098,229
80$23,611,934$1,417,500$39,739$18,739,055
81$25,936,462$1,403,068$0$20,545,216
82$28,495,449$1,385,286$0$22,539,051
83$31,312,726$1,363,907$0$24,739,426
84$34,414,555$1,338,669$0$27,161,747
85$37,829,870$1,309,294$0$29,828,605
86$41,590,555$1,275,488$0$32,764,895
87$45,731,744$1,236,939$0$35,998,049
88$50,292,152$1,193,319$0$39,558,299
89$55,314,438$1,144,278$0$43,478,962
90$60,845,611$1,089,448$0$47,796,751
91$66,937,469$1,028,437$0$52,552,126
92$73,647,094$960,834$0$57,789,674
93$81,037,384$886,201$0$63,558,529
94$89,177,650$804,077$0$69,912,840
95$98,144,268$713,974$0$76,912,278
96$108,021,401$615,377$0$84,622,602
97$118,901,794$507,741$0$93,116,279
98$130,887,647$390,490$0$102,473,171
99$144,091,580$263,017$0$112,781,284
100$158,637,696$124,680$0$124,137,605