Can I retire at age 41 with 1,750,000?

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$144,513$143,226$141,970$140,744$139,547$137,519
2 years$71,541$70,209$68,918$67,666$66,451$64,412
3 years$47,220$45,882$44,594$43,354$42,159$40,172
4 years$35,062$33,728$32,453$31,234$30,068$28,149
5 years$27,769$26,443$25,185$23,991$22,858$21,012
6 years$22,909$21,593$20,353$19,186$18,086$16,316
7 years$19,439$18,134$16,914$15,774$14,709$13,015
8 years$16,837$15,544$14,344$13,232$12,203$10,584
9 years$14,815$13,534$12,355$11,271$10,276$8,733
10 years$13,198$11,929$10,771$9,716$8,756$7,287
11 years$11,876$10,620$9,483$8,455$7,530$6,134
12 years$10,775$9,532$8,416$7,417$6,526$5,200
13 years$9,844$8,614$7,519$6,548$5,691$4,434
14 years$9,047$7,830$6,756$5,812$4,988$3,798
15 years$8,357$7,153$6,099$5,184$4,392$3,267
16 years$7,753$6,563$5,530$4,641$3,882$2,819
17 years$7,221$6,044$5,032$4,170$3,442$2,440
18 years$6,749$5,585$4,594$3,758$3,060$2,117
19 years$6,327$5,176$4,205$3,396$2,728$1,840
20 years$5,948$4,810$3,859$3,076$2,436$1,602
21 years$5,605$4,480$3,550$2,791$2,180$1,397
22 years$5,294$4,182$3,272$2,538$1,954$1,220
23 years$5,010$3,911$3,021$2,311$1,754$1,067
24 years$4,750$3,665$2,794$2,108$1,577$933
25 years$4,512$3,439$2,588$1,925$1,419$818
26 years$4,292$3,232$2,400$1,760$1,278$717
27 years$4,089$3,042$2,229$1,611$1,152$628
28 years$3,900$2,866$2,072$1,476$1,040$551
29 years$3,725$2,704$1,928$1,354$939$484
30 years$3,562$2,554$1,796$1,242$848$425
31 years$3,410$2,414$1,674$1,141$767$374
32 years$3,268$2,284$1,562$1,049$694$328
33 years$3,134$2,163$1,458$964$628$289
34 years$3,009$2,050$1,363$887$568$254
35 years$2,891$1,945$1,274$817$515$223
36 years$2,779$1,846$1,192$752$467$197
37 years$2,674$1,753$1,116$693$423$173
38 years$2,575$1,666$1,045$639$383$152
39 years$2,481$1,584$979$589$348$134
40 years$2,393$1,507$917$543$315$118
41 years$2,308$1,435$860$501$286$104
42 years$2,228$1,366$807$463$260$91
43 years$2,152$1,302$757$427$236$80
44 years$2,079$1,241$711$394$214$71
45 years$2,010$1,183$667$364$194$62
46 years$1,944$1,129$627$336$176$55
47 years$1,881$1,077$589$311$160$48
48 years$1,821$1,028$553$287$145$43
49 years$1,764$982$520$265$132$38
50 years$1,709$938$489$245$120$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,750,000, adding $4,093 every year, while hoping to spend $31,383 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: 41/29/30 Blend
40$1,750,000$1,750,000$1,750,000$1,750,000
41$1,932,722$1,839,972$1,812,847$1,994,774
42$2,096,468$1,896,739$1,840,186$2,096,990
43$2,275,865$1,955,236$1,867,389$2,204,344
44$2,472,475$2,015,515$1,894,419$2,319,966
45$2,688,020$2,077,628$1,921,234$2,444,637
46$2,924,397$2,141,630$1,947,794$2,579,218
47$3,183,693$2,207,578$1,974,053$2,724,655
48$3,468,209$2,275,528$1,999,963$2,881,991
49$3,780,479$2,345,542$2,025,475$3,052,373
50$4,123,294$2,417,679$2,050,534$3,237,064
51$4,499,727$2,492,003$2,075,084$3,437,456
52$4,913,166$2,568,578$2,099,066$3,655,078
53$5,367,342$2,647,471$2,122,418$3,891,619
54$5,866,364$2,728,751$2,145,072$4,148,935
55$6,414,761$2,812,487$2,166,960$4,429,072
56$7,017,520$2,898,752$2,188,006$4,734,282
57$7,680,136$2,987,620$2,208,133$5,067,048
58$8,408,664$3,079,168$2,227,260$5,430,103
59$9,209,775$3,173,474$2,245,301$5,826,457
60$10,090,817$3,270,619$2,262,163$6,259,428
61$11,059,887$3,370,686$2,277,752$6,732,669
62$12,125,906$3,473,760$2,291,967$7,250,207
63$13,298,703$3,579,929$2,304,703$7,816,476
64$14,589,108$3,689,283$2,315,848$8,436,362
65$16,009,054$3,801,915$2,325,285$9,115,249
66$17,571,687$3,917,918$2,332,892$9,859,068
67$19,291,495$4,037,392$2,338,540$10,674,354
68$21,184,439$4,160,436$2,342,093$11,568,307
69$23,268,108$4,287,153$2,343,409$12,548,863
70$25,561,881$4,417,650$2,342,339$13,624,763
71$28,087,112$4,552,034$2,338,727$14,805,639
72$30,867,331$4,690,418$2,332,408$16,102,107
73$33,928,466$4,832,915$2,323,210$17,525,863
74$37,299,085$4,979,644$2,310,954$19,089,794
75$41,010,670$5,130,724$2,295,449$20,808,103
76$45,097,910$5,286,281$2,276,498$22,696,439
77$49,599,028$5,446,441$2,253,892$24,772,047
78$54,556,147$5,611,334$2,227,415$27,053,931
79$60,015,679$5,781,094$2,196,839$29,563,032
80$66,028,770$5,955,859$2,161,924$32,322,426
81$72,651,778$6,135,770$2,122,422$35,357,542
82$79,946,807$6,320,971$2,078,071$38,696,404
83$87,982,292$6,511,609$2,028,598$42,369,892
84$96,833,646$6,707,838$1,973,715$46,412,037
85$106,583,968$6,909,812$1,913,125$50,860,340
86$117,324,832$7,117,692$1,846,514$55,756,127
87$129,157,147$7,331,641$1,773,554$61,144,940
88$142,192,111$7,551,826$1,693,903$67,076,964
89$156,552,260$7,778,420$1,607,203$73,607,508
90$172,372,627$8,011,599$1,513,081$80,797,517
91$189,802,010$8,251,542$1,411,144$88,714,156
92$209,004,382$8,498,435$1,300,985$97,431,443
93$230,160,438$8,752,467$1,182,176$107,030,941
94$253,469,295$9,013,831$1,054,272$117,602,540
95$279,150,380$9,282,725$916,807$129,245,296
96$307,445,493$9,559,352$769,293$142,068,370
97$338,621,093$9,843,920$611,224$156,192,059
98$372,970,813$10,136,641$442,069$171,748,935
99$410,818,231$10,437,732$261,274$188,885,089
100$452,519,925$10,747,415$68,260$207,761,520