Can I retire at age 41 with 1,790,000?

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 $1,790,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$147,817$146,500$145,215$143,961$142,737$139,798
2 years$73,176$71,814$70,493$69,212$67,970$65,022
3 years$48,300$46,931$45,614$44,345$43,123$40,259
4 years$35,864$34,499$33,195$31,948$30,756$27,997
5 years$28,404$27,048$25,761$24,539$23,380$20,734
6 years$23,433$22,087$20,818$19,624$18,500$15,970
7 years$19,883$18,548$17,300$16,134$15,045$12,632
8 years$17,222$15,899$14,672$13,534$12,482$10,184
9 years$15,153$13,843$12,637$11,528$10,511$8,328
10 years$13,500$12,202$11,017$9,938$8,956$6,885
11 years$12,147$10,863$9,699$8,649$7,703$5,741
12 years$11,021$9,750$8,608$7,586$6,675$4,820
13 years$10,069$8,811$7,691$6,697$5,821$4,070
14 years$9,254$8,009$6,910$5,945$5,102$3,451
15 years$8,548$7,316$6,239$5,302$4,492$2,938
16 years$7,930$6,713$5,656$4,747$3,970$2,509
17 years$7,386$6,182$5,147$4,265$3,520$2,148
18 years$6,903$5,713$4,699$3,844$3,130$1,843
19 years$6,472$5,294$4,301$3,473$2,790$1,585
20 years$6,084$4,920$3,948$3,146$2,492$1,365
21 years$5,733$4,583$3,631$2,855$2,230$1,177
22 years$5,415$4,278$3,347$2,596$1,999$1,016
23 years$5,125$4,001$3,090$2,364$1,794$878
24 years$4,859$3,748$2,858$2,156$1,613$759
25 years$4,615$3,518$2,647$1,969$1,451$657
26 years$4,390$3,306$2,455$1,801$1,307$569
27 years$4,182$3,111$2,279$1,648$1,179$493
28 years$3,990$2,932$2,119$1,510$1,064$427
29 years$3,810$2,766$1,972$1,385$960$371
30 years$3,644$2,612$1,837$1,271$868$322
31 years$3,488$2,469$1,712$1,167$785$279
32 years$3,342$2,336$1,598$1,073$710$242
33 years$3,206$2,213$1,492$986$642$210
34 years$3,077$2,097$1,394$908$581$183
35 years$2,957$1,989$1,303$835$527$159
36 years$2,843$1,888$1,219$769$477$138
37 years$2,736$1,793$1,141$709$432$120
38 years$2,634$1,704$1,069$653$392$104
39 years$2,538$1,620$1,001$602$356$90
40 years$2,447$1,542$938$556$323$79
41 years$2,361$1,468$880$513$293$68
42 years$2,279$1,398$825$473$265$59
43 years$2,201$1,332$774$437$241$52
44 years$2,127$1,269$727$403$219$45
45 years$2,056$1,210$683$372$199$39
46 years$1,989$1,155$641$344$180$34
47 years$1,924$1,102$602$318$164$29
48 years$1,863$1,052$566$294$149$26
49 years$1,804$1,005$532$271$135$22
50 years$1,748$960$500$251$123$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,790,000, adding $5,395 every year, while hoping to spend $49,481 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: 34/44/22 Blend
40$1,790,000$1,790,000$1,790,000$1,790,000
41$1,978,145$1,883,275$1,855,530$2,031,954
42$2,127,268$1,922,908$1,865,043$2,111,986
43$2,289,944$1,962,825$1,873,216$2,193,325
44$2,467,502$2,002,987$1,879,952$2,280,030
45$2,661,406$2,043,352$1,885,150$2,372,607
46$2,873,268$2,083,875$1,888,701$2,471,615
47$3,104,863$2,124,507$1,890,494$2,577,670
48$3,358,144$2,165,193$1,890,411$2,691,452
49$3,635,262$2,205,874$1,888,327$2,813,713
50$3,938,586$2,246,489$1,884,113$2,945,282
51$4,270,723$2,286,968$1,877,632$3,087,072
52$4,634,546$2,327,239$1,868,742$3,240,095
53$5,033,218$2,367,221$1,857,292$3,405,464
54$5,470,221$2,406,830$1,843,127$3,584,410
55$5,949,392$2,445,974$1,826,080$3,778,290
56$6,474,957$2,484,554$1,805,981$3,988,603
57$7,051,570$2,522,464$1,782,648$4,217,004
58$7,684,356$2,559,591$1,755,893$4,465,317
59$8,378,963$2,595,813$1,725,518$4,735,558
60$9,141,609$2,631,000$1,691,315$5,029,950
61$9,979,148$2,665,014$1,653,069$5,350,946
62$10,899,126$2,697,704$1,610,551$5,701,255
63$11,909,858$2,728,913$1,563,526$6,083,864
64$13,020,503$2,758,470$1,511,744$6,502,072
65$14,241,154$2,786,194$1,454,947$6,959,517
66$15,582,926$2,811,892$1,392,862$7,460,212
67$17,058,069$2,835,359$1,325,207$8,008,589
68$18,680,075$2,856,374$1,251,684$8,609,534
69$20,463,811$2,874,705$1,171,984$9,268,440
70$22,425,656$2,890,102$1,085,782$9,991,256
71$24,583,658$2,902,302$992,741$10,784,543
72$26,957,700$2,911,024$892,506$11,655,544
73$29,569,689$2,915,967$784,709$12,612,243
74$32,443,763$2,916,816$668,963$13,663,451
75$35,606,519$2,913,231$544,865$14,818,887
76$39,087,260$2,904,857$411,995$16,089,269
77$42,918,278$2,891,311$269,913$17,486,420
78$47,135,148$2,872,192$118,161$19,023,380
79$51,777,074$2,847,070$0$20,714,533
80$56,887,253$2,815,493$0$22,586,018
81$62,513,280$2,776,980$0$24,675,319
82$68,707,603$2,731,021$0$26,974,085
83$75,528,013$2,677,075$0$29,503,718
84$83,038,191$2,614,572$0$32,287,814
85$91,308,305$2,542,905$0$35,352,383
86$100,415,678$2,461,433$0$38,726,099
87$110,445,512$2,369,478$0$42,440,571
88$121,491,693$2,266,322$0$46,530,645
89$133,657,678$2,151,204$0$51,034,731
90$147,057,469$2,023,321$0$55,995,172
91$161,816,690$1,881,822$0$61,458,644
92$178,073,771$1,725,811$0$67,476,597
93$195,981,256$1,554,335$0$74,105,747
94$215,707,239$1,366,393$0$81,408,611
95$237,436,953$1,160,921$0$89,454,100
96$261,374,516$936,801$0$98,318,176
97$287,744,859$692,846$0$108,084,567
98$316,795,847$427,807$0$118,845,564
99$348,800,617$140,364$0$130,702,897
100$384,060,159$0$0$143,768,694