Can I retire at age 41 with 1,780,000?

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 $1,780,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$146,991$145,681$144,404$143,157$141,940$137,396
2 years$72,768$71,412$70,099$68,826$67,590$63,055
3 years$48,030$46,669$45,359$44,097$42,882$38,497
4 years$35,663$34,307$33,010$31,770$30,584$26,382
5 years$28,246$26,897$25,617$24,402$23,249$19,243
6 years$23,302$21,963$20,702$19,515$18,396$14,588
7 years$19,772$18,445$17,204$16,044$14,961$11,351
8 years$17,126$15,810$14,590$13,459$12,412$8,997
9 years$15,069$13,766$12,566$11,464$10,453$7,230
10 years$13,424$12,134$10,956$9,882$8,906$5,870
11 years$12,079$10,802$9,645$8,600$7,660$4,805
12 years$10,960$9,695$8,560$7,544$6,638$3,958
13 years$10,013$8,762$7,648$6,660$5,788$3,277
14 years$9,202$7,964$6,871$5,912$5,074$2,724
15 years$8,500$7,275$6,204$5,272$4,467$2,272
16 years$7,886$6,675$5,625$4,721$3,948$1,901
17 years$7,345$6,148$5,118$4,242$3,501$1,594
18 years$6,865$5,681$4,672$3,823$3,113$1,338
19 years$6,436$5,265$4,277$3,454$2,774$1,126
20 years$6,050$4,892$3,926$3,128$2,478$948
21 years$5,701$4,557$3,611$2,839$2,218$800
22 years$5,384$4,254$3,328$2,581$1,988$675
23 years$5,096$3,978$3,073$2,351$1,784$570
24 years$4,832$3,728$2,842$2,144$1,604$482
25 years$4,589$3,498$2,632$1,958$1,443$407
26 years$4,366$3,288$2,441$1,790$1,300$345
27 years$4,159$3,094$2,267$1,639$1,172$292
28 years$3,967$2,916$2,107$1,502$1,058$247
29 years$3,789$2,750$1,961$1,377$955$209
30 years$3,623$2,598$1,827$1,264$863$177
31 years$3,468$2,456$1,703$1,161$780$150
32 years$3,324$2,323$1,589$1,067$706$127
33 years$3,188$2,200$1,483$981$639$108
34 years$3,060$2,085$1,386$902$578$91
35 years$2,940$1,978$1,296$831$524$77
36 years$2,827$1,877$1,212$765$475$66
37 years$2,720$1,783$1,135$705$430$56
38 years$2,619$1,695$1,063$650$390$47
39 years$2,524$1,611$995$599$354$40
40 years$2,434$1,533$933$553$321$34
41 years$2,348$1,459$875$510$291$29
42 years$2,266$1,390$821$471$264$24
43 years$2,189$1,324$770$434$240$21
44 years$2,115$1,262$723$401$217$18
45 years$2,045$1,204$679$370$197$15
46 years$1,978$1,148$638$342$179$13
47 years$1,914$1,096$599$316$163$11
48 years$1,852$1,046$563$292$148$9
49 years$1,794$999$529$270$134$8
50 years$1,738$954$497$250$122$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,780,000, adding $6,368 every year, while hoping to spend $57,316 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: 56/14/30 Blend
40$1,780,000$1,780,000$1,780,000$1,780,000
41$1,968,129$1,873,789$1,846,199$2,061,684
42$2,107,894$1,904,620$1,847,062$2,157,732
43$2,259,994$1,935,042$1,846,034$2,255,888
44$2,425,627$1,964,973$1,842,990$2,361,702
45$2,606,111$1,994,326$1,837,800$2,475,935
46$2,802,896$2,023,010$1,830,328$2,599,427
47$3,017,578$2,050,924$1,820,431$2,733,103
48$3,251,915$2,077,963$1,807,959$2,877,987
49$3,507,840$2,104,013$1,792,755$3,035,207
50$3,787,483$2,128,952$1,774,655$3,206,007
51$4,093,187$2,152,652$1,753,487$3,391,763
52$4,427,533$2,174,974$1,729,071$3,593,991
53$4,793,364$2,195,769$1,701,216$3,814,364
54$5,193,807$2,214,882$1,669,727$4,054,729
55$5,632,308$2,232,144$1,634,396$4,317,124
56$6,112,661$2,247,377$1,595,006$4,603,796
57$6,639,045$2,260,391$1,551,331$4,917,228
58$7,216,062$2,270,984$1,503,135$5,260,155
59$7,848,778$2,278,940$1,450,168$5,635,597
60$8,542,777$2,284,032$1,392,172$6,046,885
61$9,304,207$2,286,016$1,328,877$6,497,693
62$10,139,840$2,284,635$1,259,998$6,992,077
63$11,057,136$2,279,614$1,185,239$7,534,506
64$12,064,311$2,270,662$1,104,292$8,129,914
65$13,170,417$2,257,471$1,016,832$8,783,742
66$14,385,426$2,239,713$922,523$9,501,990
67$15,720,322$2,217,042$821,010$10,291,277
68$17,187,206$2,189,088$711,925$11,158,902
69$18,799,410$2,155,463$594,883$12,112,917
70$20,571,621$2,115,751$469,483$13,162,200
71$22,520,019$2,069,516$335,303$14,316,542
72$24,662,432$2,016,293$191,907$15,586,740
73$27,018,500$1,955,591$38,836$16,984,703
74$29,609,862$1,886,891$0$18,523,561
75$32,460,362$1,809,642$0$20,257,648
76$35,596,266$1,723,262$0$22,178,930
77$39,046,519$1,627,135$0$24,292,731
78$42,843,009$1,520,611$0$26,618,635
79$47,020,874$1,402,999$0$29,178,222
80$51,618,830$1,273,573$0$31,995,277
81$56,679,535$1,131,562$0$35,096,010
82$62,249,993$976,154$0$38,509,308
83$68,381,995$806,488$0$42,267,004
84$75,132,611$621,658$0$46,404,183
85$82,564,722$420,705$0$50,959,508
86$90,747,620$202,615$0$55,975,588
87$99,757,653$0$0$61,499,383
88$109,678,954$0$0$67,587,832
89$120,604,227$0$0$74,326,974
90$132,635,626$0$0$81,748,631
91$145,885,715$0$0$89,922,267
92$160,478,533$0$0$98,924,425
93$176,550,761$0$0$108,839,450
94$194,253,014$0$0$119,760,288
95$213,751,260$0$0$131,789,356
96$235,228,387$0$0$145,039,514
97$258,885,928$0$0$159,635,130
98$284,945,962$0$0$175,713,249
99$313,653,209$0$0$193,424,888
100$345,277,343$0$0$212,936,465