Can I retire at age 41 with 1,730,000?

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 $1,730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$142,862$141,589$140,348$139,136$137,953$134,508
2 years$70,724$69,406$68,130$66,892$65,692$62,244
3 years$46,681$45,358$44,085$42,859$41,678$38,333
4 years$34,662$33,343$32,082$30,877$29,725$26,510
5 years$27,452$26,141$24,897$23,717$22,596$19,520
6 years$22,647$21,346$20,121$18,966$17,880$14,945
7 years$19,217$17,927$16,720$15,593$14,541$11,748
8 years$16,645$15,366$14,180$13,081$12,063$9,411
9 years$14,646$13,379$12,213$11,142$10,159$7,645
10 years$13,047$11,793$10,648$9,604$8,656$6,278
11 years$11,740$10,499$9,374$8,359$7,444$5,198
12 years$10,652$9,423$8,319$7,332$6,451$4,333
13 years$9,732$8,516$7,433$6,473$5,626$3,631
14 years$8,943$7,741$6,678$5,746$4,931$3,057
15 years$8,261$7,071$6,030$5,124$4,342$2,582
16 years$7,665$6,488$5,467$4,588$3,837$2,188
17 years$7,139$5,975$4,975$4,123$3,402$1,859
18 years$6,672$5,521$4,541$3,715$3,025$1,582
19 years$6,255$5,117$4,157$3,357$2,697$1,349
20 years$5,880$4,755$3,815$3,040$2,409$1,152
21 years$5,541$4,429$3,509$2,759$2,155$985
22 years$5,233$4,134$3,234$2,509$1,932$843
23 years$4,953$3,867$2,986$2,285$1,734$722
24 years$4,696$3,623$2,762$2,084$1,559$619
25 years$4,460$3,400$2,558$1,903$1,403$531
26 years$4,243$3,195$2,372$1,740$1,264$456
27 years$4,042$3,007$2,203$1,593$1,139$392
28 years$3,856$2,834$2,048$1,459$1,028$336
29 years$3,683$2,673$1,906$1,338$928$289
30 years$3,522$2,525$1,775$1,228$839$249
31 years$3,371$2,387$1,655$1,128$758$214
32 years$3,230$2,258$1,544$1,037$686$184
33 years$3,098$2,139$1,442$953$621$158
34 years$2,974$2,027$1,347$877$562$136
35 years$2,858$1,922$1,259$807$509$117
36 years$2,748$1,825$1,178$744$461$101
37 years$2,644$1,733$1,103$685$418$87
38 years$2,546$1,647$1,033$632$379$75
39 years$2,453$1,566$968$582$344$64
40 years$2,365$1,490$907$537$312$55
41 years$2,282$1,418$850$496$283$48
42 years$2,203$1,351$798$457$257$41
43 years$2,127$1,287$748$422$233$35
44 years$2,055$1,227$703$390$211$30
45 years$1,987$1,170$660$360$192$26
46 years$1,922$1,116$620$333$174$23
47 years$1,860$1,065$582$307$158$19
48 years$1,800$1,017$547$284$144$17
49 years$1,743$971$514$262$130$14
50 years$1,689$927$483$242$119$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,730,000, adding $4,897 every year, while hoping to spend $49,635 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: 70/18/12 Blend
40$1,730,000$1,730,000$1,730,000$1,730,000
41$1,911,511$1,819,821$1,793,006$2,040,102
42$2,053,674$1,856,181$1,800,261$2,162,406
43$2,208,674$1,892,659$1,806,095$2,289,724
44$2,377,768$1,929,209$1,810,408$2,427,744
45$2,562,340$1,965,779$1,813,096$2,577,510
46$2,763,912$2,002,316$1,814,048$2,740,174
47$2,984,161$2,038,760$1,813,149$2,917,002
48$3,224,933$2,075,046$1,810,277$3,109,393
49$3,488,260$2,111,107$1,805,305$3,318,884
50$3,776,379$2,146,869$1,798,100$3,547,173
51$4,091,755$2,182,250$1,788,521$3,796,126
52$4,437,100$2,217,166$1,776,422$4,067,802
53$4,815,401$2,251,524$1,761,649$4,364,470
54$5,229,949$2,285,226$1,744,042$4,688,630
55$5,684,368$2,318,166$1,723,431$5,043,035
56$6,182,647$2,350,230$1,699,640$5,430,722
57$6,729,183$2,381,298$1,672,484$5,855,034
58$7,328,817$2,411,238$1,641,769$6,319,659
59$7,986,881$2,439,914$1,607,293$6,828,658
60$8,709,249$2,467,176$1,568,844$7,386,510
61$9,502,391$2,492,866$1,526,199$7,998,147
62$10,373,435$2,516,817$1,479,127$8,669,007
63$11,330,233$2,538,847$1,427,384$9,405,084
64$12,381,432$2,558,767$1,370,718$10,212,981
65$13,536,563$2,576,371$1,308,861$11,099,979
66$14,806,123$2,591,444$1,241,538$12,074,100
67$16,201,675$2,603,752$1,168,458$13,144,185
68$17,735,962$2,613,052$1,089,317$14,319,979
69$19,423,020$2,619,081$1,003,799$15,612,222
70$21,278,314$2,621,563$911,573$17,032,750
71$23,318,885$2,620,202$812,293$18,594,611
72$25,563,504$2,614,685$705,597$20,312,180
73$28,032,856$2,604,679$591,110$22,201,306
74$30,749,731$2,589,832$468,436$24,279,453
75$33,739,240$2,569,770$337,164$26,565,869
76$37,029,049$2,544,095$196,866$29,081,770
77$40,649,643$2,512,387$47,092$31,850,537
78$44,634,613$2,474,200$0$34,897,938
79$49,020,968$2,429,061$0$38,266,812
80$53,849,491$2,376,469$0$41,981,395
81$59,165,118$2,315,894$0$46,070,217
82$65,017,362$2,246,775$0$50,571,365
83$71,460,783$2,168,517$0$55,526,815
84$78,555,500$2,080,492$0$60,982,823
85$86,367,758$1,982,034$0$66,990,364
86$94,970,554$1,872,438$0$73,605,616
87$104,444,324$1,750,960$0$80,890,486
88$114,877,701$1,616,814$0$88,913,196
89$126,368,355$1,469,166$0$97,748,932
90$139,023,909$1,307,137$0$107,480,548
91$152,962,958$1,129,797$0$118,199,352
92$168,316,186$936,163$0$130,005,967
93$185,227,600$725,199$0$143,011,286
94$203,855,888$495,806$0$157,337,512
95$224,375,917$246,828$0$173,119,317
96$246,980,380$0$0$190,505,117
97$271,881,619$0$0$209,663,013
98$299,313,625$0$0$230,821,969
99$329,534,249$0$0$254,131,998
100$362,827,631$0$0$279,812,286