Can I retire at age 43 with 910,000?

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 $910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$75,147$74,478$73,825$73,187$72,565$71,777
2 years$37,201$36,509$35,837$35,186$34,555$33,762
3 years$24,555$23,859$23,189$22,544$21,923$21,149
4 years$18,232$17,539$16,876$16,242$15,636$14,887
5 years$14,440$13,751$13,096$12,475$11,886$11,165
6 years$11,913$11,228$10,584$9,977$9,405$8,712
7 years$10,108$9,430$8,795$8,202$7,649$6,984
8 years$8,755$8,083$7,459$6,881$6,345$5,709
9 years$7,704$7,038$6,424$5,861$5,344$4,736
10 years$6,863$6,203$5,601$5,052$4,553$3,973
11 years$6,175$5,522$4,931$4,397$3,916$3,363
12 years$5,603$4,957$4,376$3,857$3,393$2,867
13 years$5,119$4,479$3,910$3,405$2,959$2,459
14 years$4,704$4,072$3,513$3,022$2,594$2,120
15 years$4,345$3,719$3,172$2,695$2,284$1,834
16 years$4,032$3,413$2,876$2,413$2,019$1,593
17 years$3,755$3,143$2,617$2,168$1,790$1,387
18 years$3,510$2,904$2,389$1,954$1,591$1,211
19 years$3,290$2,692$2,187$1,766$1,418$1,060
20 years$3,093$2,501$2,007$1,599$1,267$929
21 years$2,915$2,330$1,846$1,451$1,134$816
22 years$2,753$2,175$1,701$1,320$1,016$717
23 years$2,605$2,034$1,571$1,202$912$631
24 years$2,470$1,906$1,453$1,096$820$556
25 years$2,346$1,788$1,346$1,001$738$491
26 years$2,232$1,681$1,248$915$665$433
27 years$2,126$1,582$1,159$838$599$383
28 years$2,028$1,491$1,077$768$541$338
29 years$1,937$1,406$1,003$704$488$299
30 years$1,852$1,328$934$646$441$265
31 years$1,773$1,255$871$593$399$234
32 years$1,699$1,188$812$545$361$207
33 years$1,630$1,125$758$501$326$184
34 years$1,564$1,066$709$461$296$163
35 years$1,503$1,011$662$425$268$144
36 years$1,445$960$620$391$243$128
37 years$1,391$912$580$360$220$113
38 years$1,339$866$543$332$199$101
39 years$1,290$824$509$306$181$89
40 years$1,244$784$477$283$164$79
41 years$1,200$746$447$261$149$70
42 years$1,159$711$420$241$135$62
43 years$1,119$677$394$222$122$55
44 years$1,081$645$370$205$111$49
45 years$1,045$615$347$189$101$44
46 years$1,011$587$326$175$92$39
47 years$978$560$306$162$83$34
48 years$947$535$288$149$76$30
49 years$917$511$270$138$69$27
50 years$888$488$254$128$62$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $910,000, adding $2,110 every year, while hoping to spend $43,562 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: 55/24/21 Blend
42$910,000$910,000$910,000$910,000
43$1,004,996$956,766$942,661$1,054,431
44$1,061,156$957,298$927,891$1,089,033
45$1,121,585$956,396$911,166$1,121,910
46$1,186,671$953,944$892,374$1,156,776
47$1,256,842$949,818$871,400$1,193,832
48$1,332,569$943,888$848,120$1,233,305
49$1,414,366$936,014$822,408$1,275,443
50$1,502,802$926,050$794,129$1,320,526
51$1,598,500$913,838$763,145$1,368,861
52$1,702,145$899,214$729,308$1,420,791
53$1,814,491$882,003$692,467$1,476,695
54$1,936,366$862,018$652,461$1,536,994
55$2,068,682$839,063$609,125$1,602,154
56$2,212,439$812,929$562,283$1,672,694
57$2,368,742$783,397$511,753$1,749,186
58$2,538,803$750,232$457,346$1,832,266
59$2,723,956$713,189$398,862$1,922,637
60$2,925,670$672,005$336,095$2,021,079
61$3,145,561$626,406$268,826$2,128,454
62$3,385,406$576,098$196,830$2,245,719
63$3,647,165$520,774$119,871$2,373,931
64$3,932,991$460,107$37,702$2,514,260
65$4,245,256$393,753$0$2,668,002
66$4,586,573$321,347$0$2,847,790
67$4,959,814$242,504$0$3,053,752
68$5,368,147$156,819$0$3,279,246
69$5,815,057$63,861$0$3,526,279
70$6,304,381$0$0$3,797,059
71$6,840,346$0$0$4,103,754
72$7,427,607$0$0$4,458,364
73$8,071,288$0$0$4,847,129
74$8,777,036$0$0$5,273,469
75$9,551,069$0$0$5,741,152
76$10,400,235$0$0$6,254,327
77$11,332,076$0$0$6,817,565
78$12,354,902$0$0$7,435,900
79$13,477,866$0$0$8,114,877
80$14,711,049$0$0$8,860,606
81$16,065,557$0$0$9,679,817
82$17,553,626$0$0$10,579,924
83$19,188,733$0$0$11,569,094
84$20,985,727$0$0$12,656,324
85$22,960,967$0$0$13,851,529
86$25,132,474$0$0$15,165,628
87$27,520,104$0$0$16,610,655
88$30,145,731$0$0$18,199,865
89$33,033,458$0$0$19,947,865
90$36,209,838$0$0$21,870,747
91$39,704,128$0$0$23,986,241
92$43,548,564$0$0$26,313,883
93$47,778,662$0$0$28,875,198
94$52,433,558$0$0$31,693,901
95$57,556,368$0$0$34,796,125
96$63,194,605$0$0$38,210,664
97$69,400,619$0$0$41,969,243
98$76,232,090$0$0$46,106,822
99$83,752,579$0$0$50,661,921
100$92,032,119$0$0$55,676,984