Can I retire at age 43 with 910,000?

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 $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%18.5%
1 years$75,147$74,478$73,825$73,187$72,565$70,074
2 years$37,201$36,509$35,837$35,186$34,555$32,070
3 years$24,555$23,859$23,189$22,544$21,923$19,523
4 years$18,232$17,539$16,876$16,242$15,636$13,339
5 years$14,440$13,751$13,096$12,475$11,886$9,699
6 years$11,913$11,228$10,584$9,977$9,405$7,329
7 years$10,108$9,430$8,795$8,202$7,649$5,683
8 years$8,755$8,083$7,459$6,881$6,345$4,489
9 years$7,704$7,038$6,424$5,861$5,344$3,594
10 years$6,863$6,203$5,601$5,052$4,553$2,907
11 years$6,175$5,522$4,931$4,397$3,916$2,370
12 years$5,603$4,957$4,376$3,857$3,393$1,944
13 years$5,119$4,479$3,910$3,405$2,959$1,603
14 years$4,704$4,072$3,513$3,022$2,594$1,327
15 years$4,345$3,719$3,172$2,695$2,284$1,103
16 years$4,032$3,413$2,876$2,413$2,019$918
17 years$3,755$3,143$2,617$2,168$1,790$766
18 years$3,510$2,904$2,389$1,954$1,591$641
19 years$3,290$2,692$2,187$1,766$1,418$537
20 years$3,093$2,501$2,007$1,599$1,267$450
21 years$2,915$2,330$1,846$1,451$1,134$378
22 years$2,753$2,175$1,701$1,320$1,016$317
23 years$2,605$2,034$1,571$1,202$912$267
24 years$2,470$1,906$1,453$1,096$820$224
25 years$2,346$1,788$1,346$1,001$738$189
26 years$2,232$1,681$1,248$915$665$159
27 years$2,126$1,582$1,159$838$599$134
28 years$2,028$1,491$1,077$768$541$113
29 years$1,937$1,406$1,003$704$488$95
30 years$1,852$1,328$934$646$441$80
31 years$1,773$1,255$871$593$399$68
32 years$1,699$1,188$812$545$361$57
33 years$1,630$1,125$758$501$326$48
34 years$1,564$1,066$709$461$296$41
35 years$1,503$1,011$662$425$268$34
36 years$1,445$960$620$391$243$29
37 years$1,391$912$580$360$220$24
38 years$1,339$866$543$332$199$21
39 years$1,290$824$509$306$181$17
40 years$1,244$784$477$283$164$15
41 years$1,200$746$447$261$149$12
42 years$1,159$711$420$241$135$10
43 years$1,119$677$394$222$122$9
44 years$1,081$645$370$205$111$7
45 years$1,045$615$347$189$101$6
46 years$1,011$587$326$175$92$5
47 years$978$560$306$162$83$4
48 years$947$535$288$149$76$4
49 years$917$511$270$138$69$3
50 years$888$488$254$128$62$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $910,000, adding $2,134 every year, while hoping to spend $55,995 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: 55/31/14 Blend
42$910,000$910,000$910,000$910,000
43$1,005,021$956,791$942,686$1,056,512
44$1,047,955$944,096$914,688$1,079,049
45$1,093,392$928,901$883,875$1,097,331
46$1,141,527$911,027$850,094$1,115,953
47$1,192,575$890,280$813,185$1,134,957
48$1,246,770$866,456$772,979$1,154,397
49$1,304,369$839,340$729,302$1,174,332
50$1,365,651$808,705$681,970$1,194,831
51$1,430,924$774,307$630,792$1,215,973
52$1,500,522$735,893$575,568$1,237,852
53$1,574,814$693,190$516,089$1,260,571
54$1,654,203$645,915$452,136$1,284,250
55$1,739,131$593,764$383,481$1,309,027
56$1,830,082$536,417$309,887$1,335,055
57$1,927,587$473,538$231,105$1,362,513
58$2,032,228$404,769$146,874$1,391,600
59$2,144,646$329,733$56,925$1,422,541
60$2,265,542$248,033$0$1,455,591
61$2,395,687$159,246$0$1,496,876
62$2,535,927$62,929$0$1,550,335
63$2,687,192$0$0$1,607,869
64$2,850,503$0$0$1,684,052
65$3,026,982$0$0$1,789,642
66$3,217,862$0$0$1,903,916
67$3,424,499$0$0$2,027,696
68$3,648,383$0$0$2,161,884
69$3,891,152$0$0$2,307,470
70$4,154,609$0$0$2,465,546
71$4,440,735$0$0$2,637,312
72$4,751,711$0$0$2,824,086
73$5,089,933$0$0$3,027,321
74$5,458,041$0$0$3,248,614
75$5,858,937$0$0$3,489,723
76$6,295,817$0$0$3,752,582
77$6,772,195$0$0$4,039,320
78$7,291,940$0$0$4,352,281
79$7,859,313$0$0$4,694,044
80$8,479,002$0$0$5,067,448
81$9,156,166$0$0$5,475,620
82$9,896,489$0$0$5,922,001
83$10,706,227$0$0$6,410,380
84$11,592,267$0$0$6,944,931
85$12,562,194$0$0$7,530,248
86$13,624,360$0$0$8,171,391
87$14,787,964$0$0$8,873,931
88$16,063,133$0$0$9,644,006
89$17,461,024$0$0$10,488,375
90$18,993,923$0$0$11,414,480
91$20,675,361$0$0$12,430,520
92$22,520,243$0$0$13,545,528
93$24,544,988$0$0$14,769,450
94$26,767,678$0$0$16,113,244
95$29,208,234$0$0$17,588,980
96$31,888,600$0$0$19,209,954
97$34,832,949$0$0$20,990,816
98$38,067,911$0$0$22,947,701
99$41,622,821$0$0$25,098,386
100$45,530,000$0$0$27,462,458