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%18.6%
1 years$75,147$74,478$73,825$73,187$72,565$70,046
2 years$37,201$36,509$35,837$35,186$34,555$32,043
3 years$24,555$23,859$23,189$22,544$21,923$19,497
4 years$18,232$17,539$16,876$16,242$15,636$13,315
5 years$14,440$13,751$13,096$12,475$11,886$9,676
6 years$11,913$11,228$10,584$9,977$9,405$7,307
7 years$10,108$9,430$8,795$8,202$7,649$5,663
8 years$8,755$8,083$7,459$6,881$6,345$4,470
9 years$7,704$7,038$6,424$5,861$5,344$3,577
10 years$6,863$6,203$5,601$5,052$4,553$2,891
11 years$6,175$5,522$4,931$4,397$3,916$2,356
12 years$5,603$4,957$4,376$3,857$3,393$1,932
13 years$5,119$4,479$3,910$3,405$2,959$1,592
14 years$4,704$4,072$3,513$3,022$2,594$1,317
15 years$4,345$3,719$3,172$2,695$2,284$1,093
16 years$4,032$3,413$2,876$2,413$2,019$910
17 years$3,755$3,143$2,617$2,168$1,790$759
18 years$3,510$2,904$2,389$1,954$1,591$634
19 years$3,290$2,692$2,187$1,766$1,418$530
20 years$3,093$2,501$2,007$1,599$1,267$444
21 years$2,915$2,330$1,846$1,451$1,134$373
22 years$2,753$2,175$1,701$1,320$1,016$313
23 years$2,605$2,034$1,571$1,202$912$263
24 years$2,470$1,906$1,453$1,096$820$221
25 years$2,346$1,788$1,346$1,001$738$186
26 years$2,232$1,681$1,248$915$665$156
27 years$2,126$1,582$1,159$838$599$132
28 years$2,028$1,491$1,077$768$541$111
29 years$1,937$1,406$1,003$704$488$93
30 years$1,852$1,328$934$646$441$79
31 years$1,773$1,255$871$593$399$66
32 years$1,699$1,188$812$545$361$56
33 years$1,630$1,125$758$501$326$47
34 years$1,564$1,066$709$461$296$40
35 years$1,503$1,011$662$425$268$33
36 years$1,445$960$620$391$243$28
37 years$1,391$912$580$360$220$24
38 years$1,339$866$543$332$199$20
39 years$1,290$824$509$306$181$17
40 years$1,244$784$477$283$164$14
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 $2,781 every year, while hoping to spend $29,314 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: 51/27/22 Blend
42$910,000$910,000$910,000$910,000
43$1,005,689$957,459$943,354$1,050,680
44$1,077,079$973,184$943,766$1,097,824
45$1,154,769$988,698$943,210$1,145,826
46$1,239,369$1,003,958$941,622$1,197,408
47$1,331,554$1,018,921$938,935$1,252,920
48$1,432,063$1,033,539$935,080$1,312,750
49$1,541,712$1,047,761$929,983$1,377,325
50$1,661,397$1,061,532$923,569$1,447,116
51$1,792,107$1,074,795$915,756$1,522,644
52$1,934,929$1,087,487$906,461$1,604,483
53$2,091,060$1,099,541$895,595$1,693,266
54$2,261,817$1,110,888$883,066$1,789,695
55$2,448,652$1,121,450$868,778$1,894,540
56$2,653,161$1,131,149$852,630$2,008,654
57$2,877,106$1,139,897$834,515$2,132,977
58$3,122,422$1,147,603$814,322$2,268,548
59$3,391,244$1,154,171$791,937$2,416,512
60$3,685,921$1,159,495$767,237$2,578,132
61$4,009,042$1,163,467$740,096$2,754,804
62$4,363,456$1,165,969$710,382$2,948,065
63$4,752,304$1,166,877$677,954$3,159,614
64$5,179,043$1,166,058$642,670$3,391,324
65$5,647,482$1,163,372$604,376$3,645,261
66$6,161,818$1,158,670$562,916$3,923,706
67$6,726,672$1,151,793$518,122$4,229,175
68$7,347,137$1,142,575$469,823$4,564,441
69$8,028,820$1,130,837$417,838$4,932,567
70$8,777,903$1,116,390$361,978$5,336,928
71$9,601,190$1,099,036$302,046$5,781,250
72$10,506,184$1,078,560$237,837$6,269,641
73$11,501,145$1,054,741$169,135$6,806,632
74$12,595,178$1,027,338$95,717$7,397,221
75$13,798,311$996,103$17,348$8,046,921
76$15,121,593$960,766$0$8,761,811
77$16,577,200$921,048$0$9,564,155
78$18,178,545$876,650$0$10,451,144
79$19,940,406$827,256$0$11,426,920
80$21,879,069$772,532$0$12,500,537
81$24,012,474$712,127$0$13,681,981
82$26,360,392$645,666$0$14,982,255
83$28,944,604$572,756$0$16,413,489
84$31,789,113$492,981$0$17,989,056
85$34,920,365$405,899$0$19,723,692
86$38,367,500$311,046$0$21,633,644
87$42,162,629$207,932$0$23,736,818
88$46,341,133$96,036$0$26,052,951
89$50,941,999$0$0$28,603,800
90$56,008,186$0$0$31,420,828
91$61,587,032$0$0$34,554,460
92$67,730,700$0$0$38,005,475
93$74,496,669$0$0$41,806,178
94$81,948,276$0$0$45,992,164
95$90,155,314$0$0$50,602,655
96$99,194,693$0$0$55,680,873
97$109,151,159$0$0$61,274,448
98$120,118,101$0$0$67,435,862
99$132,198,427$0$0$74,222,950
100$145,505,538$0$0$81,699,443