Can I retire at age 43 with 920,000?

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 $920,000?

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$75,973$75,296$74,636$73,991$73,362$70,815
2 years$37,610$36,910$36,231$35,573$34,934$32,395
3 years$24,824$24,121$23,444$22,792$22,164$19,712
4 years$18,433$17,731$17,061$16,420$15,807$13,461
5 years$14,599$13,902$13,240$12,612$12,017$9,782
6 years$12,044$11,352$10,700$10,086$9,508$7,388
7 years$10,219$9,533$8,892$8,292$7,733$5,725
8 years$8,852$8,172$7,541$6,956$6,415$4,519
9 years$7,788$7,115$6,495$5,925$5,402$3,616
10 years$6,938$6,271$5,662$5,108$4,603$2,923
11 years$6,243$5,583$4,985$4,445$3,959$2,382
12 years$5,664$5,011$4,424$3,899$3,431$1,953
13 years$5,175$4,529$3,953$3,442$2,992$1,609
14 years$4,756$4,116$3,552$3,056$2,622$1,331
15 years$4,393$3,760$3,207$2,725$2,309$1,105
16 years$4,076$3,450$2,907$2,440$2,041$920
17 years$3,796$3,177$2,645$2,192$1,809$767
18 years$3,548$2,936$2,415$1,976$1,609$641
19 years$3,326$2,721$2,211$1,785$1,434$536
20 years$3,127$2,529$2,029$1,617$1,281$449
21 years$2,947$2,355$1,866$1,467$1,146$377
22 years$2,783$2,199$1,720$1,334$1,027$316
23 years$2,634$2,056$1,588$1,215$922$266
24 years$2,497$1,927$1,469$1,108$829$223
25 years$2,372$1,808$1,360$1,012$746$188
26 years$2,256$1,699$1,262$925$672$158
27 years$2,150$1,599$1,172$847$606$133
28 years$2,050$1,507$1,089$776$547$112
29 years$1,958$1,422$1,014$712$494$94
30 years$1,873$1,343$944$653$446$79
31 years$1,793$1,269$880$600$403$67
32 years$1,718$1,201$821$551$365$56
33 years$1,648$1,137$767$507$330$47
34 years$1,582$1,078$716$466$299$40
35 years$1,520$1,022$670$429$271$34
36 years$1,461$970$627$395$245$28
37 years$1,406$922$586$364$222$24
38 years$1,354$876$549$336$202$20
39 years$1,305$833$515$310$183$17
40 years$1,258$792$482$286$166$14
41 years$1,213$754$452$264$150$12
42 years$1,171$718$424$243$136$10
43 years$1,131$684$398$224$124$9
44 years$1,093$652$374$207$112$7
45 years$1,057$622$351$191$102$6
46 years$1,022$593$330$177$93$5
47 years$989$566$310$163$84$4
48 years$957$541$291$151$76$4
49 years$927$516$273$140$69$3
50 years$898$493$257$129$63$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $920,000, adding $3,958 every year, while hoping to spend $54,912 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: 59/34/7 Blend
42$920,000$920,000$920,000$920,000
43$1,017,923$969,163$954,903$1,076,254
44$1,063,325$958,226$928,466$1,104,910
45$1,111,518$944,912$899,303$1,129,531
46$1,162,728$929,048$867,265$1,155,001
47$1,217,203$910,449$832,196$1,181,404
48$1,275,215$888,918$793,931$1,208,835
49$1,337,060$864,249$752,302$1,237,401
50$1,403,065$836,221$707,128$1,267,222
51$1,473,586$804,604$658,225$1,298,433
52$1,549,012$769,151$605,397$1,331,189
53$1,629,774$729,601$548,440$1,365,659
54$1,716,340$685,681$487,142$1,402,036
55$1,809,227$637,099$421,281$1,440,536
56$1,908,999$583,548$350,625$1,481,400
57$2,016,278$524,703$274,932$1,524,898
58$2,131,745$460,220$193,948$1,571,333
59$2,256,148$389,736$107,411$1,621,043
60$2,390,310$312,868$15,044$1,674,407
61$2,535,134$229,211$0$1,731,846
62$2,691,611$138,336$0$1,800,069
63$2,860,833$39,792$0$1,874,969
64$3,043,998$0$0$1,956,030
65$3,242,424$0$0$2,068,957
66$3,457,558$0$0$2,207,599
67$3,690,996$0$0$2,358,102
68$3,944,488$0$0$2,521,603
69$4,219,963$0$0$2,699,356
70$4,519,539$0$0$2,892,737
71$4,845,550$0$0$3,103,261
72$5,200,563$0$0$3,332,595
73$5,587,401$0$0$3,582,575
74$6,009,172$0$0$3,855,220
75$6,469,298$0$0$4,152,752
76$6,971,542$0$0$4,477,618
77$7,520,051$0$0$4,832,510
78$8,119,386$0$0$5,220,394
79$8,774,570$0$0$5,644,534
80$9,491,134$0$0$6,108,523
81$10,275,166$0$0$6,616,319
82$11,133,372$0$0$7,172,278
83$12,073,134$0$0$7,781,201
84$13,102,583$0$0$8,448,370
85$14,230,672$0$0$9,179,605
86$15,467,262$0$0$9,981,315
87$16,823,214$0$0$10,860,559
88$18,310,489$0$0$11,825,113
89$19,942,263$0$0$12,883,539
90$21,733,047$0$0$14,045,272
91$23,698,826$0$0$15,320,700
92$25,857,208$0$0$16,721,272
93$28,227,589$0$0$18,259,593
94$30,831,338$0$0$19,949,556
95$33,691,992$0$0$21,806,460
96$36,835,482$0$0$23,847,164
97$40,290,375$0$0$26,090,236
98$44,088,144$0$0$28,556,139
99$48,263,463$0$0$31,267,411
100$52,854,531$0$0$34,248,887