Can I retire at age 41 with 1,770,000?

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 $1,770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$146,165$144,863$143,593$142,353$141,142$135,757
2 years$72,359$71,011$69,705$68,439$67,211$61,848
3 years$47,760$46,407$45,104$43,849$42,641$37,471
4 years$35,463$34,114$32,824$31,591$30,412$25,473
5 years$28,087$26,746$25,473$24,265$23,119$18,423
6 years$23,171$21,840$20,586$19,405$18,293$13,845
7 years$19,661$18,341$17,107$15,954$14,877$10,675
8 years$17,030$15,722$14,508$13,383$12,342$8,381
9 years$14,984$13,689$12,496$11,400$10,394$6,669
10 years$13,349$12,066$10,894$9,827$8,856$5,360
11 years$12,012$10,741$9,591$8,552$7,616$4,342
12 years$10,898$9,641$8,512$7,501$6,600$3,539
13 years$9,957$8,713$7,605$6,623$5,756$2,898
14 years$9,150$7,920$6,833$5,879$5,045$2,383
15 years$8,452$7,235$6,169$5,243$4,442$1,965
16 years$7,842$6,638$5,593$4,694$3,926$1,625
17 years$7,304$6,113$5,090$4,218$3,481$1,346
18 years$6,826$5,649$4,646$3,801$3,095$1,117
19 years$6,399$5,235$4,253$3,435$2,759$928
20 years$6,016$4,865$3,904$3,111$2,464$773
21 years$5,669$4,531$3,590$2,823$2,205$643
22 years$5,354$4,230$3,309$2,567$1,977$536
23 years$5,067$3,956$3,055$2,338$1,774$447
24 years$4,805$3,707$2,826$2,132$1,595$373
25 years$4,563$3,478$2,617$1,947$1,435$312
26 years$4,341$3,269$2,427$1,780$1,293$260
27 years$4,135$3,077$2,254$1,630$1,166$217
28 years$3,945$2,899$2,095$1,493$1,052$182
29 years$3,768$2,735$1,950$1,369$950$152
30 years$3,603$2,583$1,816$1,257$858$127
31 years$3,449$2,442$1,693$1,154$776$106
32 years$3,305$2,310$1,580$1,061$702$89
33 years$3,170$2,188$1,475$975$635$74
34 years$3,043$2,074$1,378$897$575$62
35 years$2,924$1,967$1,289$826$521$52
36 years$2,811$1,867$1,205$761$472$43
37 years$2,705$1,773$1,128$701$428$36
38 years$2,605$1,685$1,057$646$388$30
39 years$2,510$1,602$990$596$352$25
40 years$2,420$1,524$928$550$319$21
41 years$2,335$1,451$870$507$289$18
42 years$2,253$1,382$816$468$263$15
43 years$2,176$1,317$766$432$238$12
44 years$2,103$1,255$719$399$216$10
45 years$2,033$1,197$675$368$196$9
46 years$1,966$1,142$634$340$178$7
47 years$1,903$1,090$596$314$162$6
48 years$1,842$1,040$560$290$147$5
49 years$1,784$993$526$268$134$4
50 years$1,728$949$495$248$121$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,770,000, adding $3,443 every year, while hoping to spend $43,200 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: 68/27/5 Blend
40$1,770,000$1,770,000$1,770,000$1,770,000
41$1,954,091$1,860,281$1,832,846$2,085,619
42$2,107,444$1,905,471$1,848,282$2,218,304
43$2,274,991$1,951,427$1,862,787$2,357,745
44$2,458,135$1,998,141$1,876,285$2,509,039
45$2,658,418$2,045,603$1,888,694$2,673,337
46$2,877,541$2,093,802$1,899,930$2,851,905
47$3,117,376$2,142,724$1,909,903$3,046,138
48$3,379,983$2,192,352$1,918,520$3,257,569
49$3,667,632$2,242,668$1,925,681$3,487,889
50$3,982,822$2,293,651$1,931,283$3,738,961
51$4,328,306$2,345,276$1,935,217$4,012,834
52$4,707,115$2,397,516$1,937,369$4,311,767
53$5,122,589$2,450,342$1,937,618$4,638,248
54$5,578,404$2,503,720$1,935,840$4,995,016
55$6,078,612$2,557,613$1,931,901$5,385,089
56$6,627,674$2,611,980$1,925,663$5,811,792
57$7,230,505$2,666,775$1,916,981$6,278,789
58$7,892,519$2,721,950$1,905,703$6,790,115
59$8,619,681$2,777,450$1,891,669$7,350,216
60$9,418,560$2,833,217$1,874,712$7,963,989
61$10,296,395$2,889,186$1,854,656$8,636,832
62$11,261,158$2,945,288$1,831,318$9,374,691
63$12,321,636$3,001,446$1,804,506$10,184,117
64$13,487,505$3,057,579$1,774,019$11,072,330
65$14,769,427$3,113,598$1,739,647$12,047,283
66$16,179,152$3,169,407$1,701,167$13,117,741
67$17,729,620$3,224,902$1,658,351$14,293,363
68$19,435,092$3,279,974$1,610,957$15,584,789
69$21,311,280$3,334,500$1,558,732$17,003,747
70$23,375,493$3,388,354$1,501,413$18,563,159
71$25,646,806$3,441,396$1,438,723$20,277,264
72$28,146,234$3,493,478$1,370,373$22,161,755
73$30,896,932$3,544,440$1,296,063$24,233,921
74$33,924,415$3,594,113$1,215,477$26,512,819
75$37,256,794$3,642,314$1,128,285$29,019,447
76$40,925,048$3,688,848$1,034,142$31,776,943
77$44,963,306$3,733,505$932,690$34,810,809
78$49,409,181$3,776,064$823,552$38,149,145
79$54,304,112$3,816,286$706,336$41,822,918
80$59,693,765$3,853,918$580,632$45,866,255
81$65,628,457$3,888,688$446,012$50,316,765
82$72,163,635$3,920,309$302,028$55,215,890
83$79,360,395$3,948,474$148,215$60,609,305
84$87,286,061$3,972,854$0$66,547,341
85$96,014,818$3,993,103$0$73,086,315
86$105,628,414$4,008,849$0$80,294,998
87$116,216,929$4,019,700$0$88,232,866
88$127,879,628$4,025,237$0$96,974,184
89$140,725,891$4,025,015$0$106,600,794
90$154,876,253$4,018,562$0$117,202,884
91$170,463,537$4,005,377$0$128,879,846
92$187,634,105$3,984,928$0$141,741,207
93$206,549,245$3,956,651$0$155,907,669
94$227,386,688$3,919,946$0$171,512,249
95$250,342,286$3,874,180$0$188,701,531
96$275,631,864$3,818,679$0$207,637,053
97$303,493,250$3,752,731$0$228,496,835
98$334,188,526$3,675,579$0$251,477,055
99$368,006,498$3,586,425$0$276,793,907
100$405,265,421$3,484,420$0$304,685,640