Can I retire at age 41 with 1,800,000?

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 $1,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$148,642$147,318$146,027$144,766$143,535$137,840
2 years$73,585$72,215$70,887$69,599$68,350$62,683
3 years$48,570$47,193$45,868$44,593$43,364$37,903
4 years$36,064$34,692$33,380$32,127$30,928$25,715
5 years$28,563$27,199$25,905$24,676$23,511$18,559
6 years$23,564$22,210$20,935$19,734$18,603$13,916
7 years$19,994$18,652$17,397$16,224$15,129$10,705
8 years$17,318$15,988$14,754$13,610$12,551$8,385
9 years$15,238$13,921$12,708$11,593$10,570$6,656
10 years$13,575$12,270$11,079$9,993$9,006$5,336
11 years$12,215$10,924$9,754$8,697$7,746$4,311
12 years$11,083$9,804$8,656$7,628$6,712$3,504
13 years$10,125$8,860$7,734$6,735$5,853$2,862
14 years$9,305$8,054$6,949$5,978$5,131$2,346
15 years$8,595$7,357$6,274$5,332$4,518$1,930
16 years$7,975$6,750$5,688$4,774$3,993$1,591
17 years$7,428$6,217$5,176$4,289$3,540$1,314
18 years$6,942$5,744$4,725$3,866$3,148$1,087
19 years$6,508$5,324$4,325$3,493$2,806$901
20 years$6,118$4,947$3,970$3,163$2,506$747
21 years$5,765$4,608$3,651$2,871$2,243$620
22 years$5,445$4,302$3,365$2,610$2,010$516
23 years$5,153$4,023$3,107$2,377$1,804$429
24 years$4,886$3,769$2,874$2,168$1,622$357
25 years$4,641$3,537$2,662$1,980$1,459$297
26 years$4,415$3,325$2,468$1,811$1,315$247
27 years$4,206$3,129$2,292$1,657$1,185$206
28 years$4,012$2,948$2,131$1,518$1,069$171
29 years$3,832$2,781$1,983$1,392$966$143
30 years$3,664$2,627$1,847$1,278$873$119
31 years$3,507$2,483$1,722$1,174$789$99
32 years$3,361$2,350$1,607$1,079$714$83
33 years$3,224$2,225$1,500$992$646$69
34 years$3,095$2,109$1,402$913$585$57
35 years$2,973$2,000$1,310$840$530$48
36 years$2,859$1,898$1,226$774$480$40
37 years$2,751$1,803$1,147$713$435$33
38 years$2,649$1,714$1,074$657$394$28
39 years$2,552$1,629$1,007$606$358$23
40 years$2,461$1,550$944$559$324$19
41 years$2,374$1,476$885$516$294$16
42 years$2,292$1,405$830$476$267$13
43 years$2,213$1,339$779$439$242$11
44 years$2,139$1,276$731$406$220$9
45 years$2,068$1,217$686$375$200$8
46 years$2,000$1,161$645$346$181$6
47 years$1,935$1,108$606$320$165$5
48 years$1,873$1,058$569$295$149$5
49 years$1,814$1,010$535$273$136$4
50 years$1,757$965$503$252$123$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,800,000, adding $2,838 every year, while hoping to spend $41,554 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: 56/18/26 Blend
40$1,800,000$1,800,000$1,800,000$1,800,000
41$1,986,527$1,891,127$1,863,227$2,083,458
42$2,144,940$1,939,580$1,881,432$2,198,777
43$2,318,118$1,989,013$1,898,855$2,319,768
44$2,507,524$2,039,432$1,915,424$2,450,734
45$2,714,767$2,090,840$1,931,066$2,592,648
46$2,941,620$2,143,239$1,945,704$2,746,586
47$3,190,036$2,196,628$1,959,256$2,913,728
48$3,462,164$2,251,007$1,971,635$3,095,379
49$3,760,371$2,306,373$1,982,751$3,292,976
50$4,087,266$2,362,721$1,992,510$3,508,100
51$4,445,718$2,420,046$2,000,810$3,742,496
52$4,838,892$2,478,339$2,007,548$3,998,085
53$5,270,270$2,537,588$2,012,612$4,276,987
54$5,743,689$2,597,782$2,015,886$4,581,536
55$6,263,377$2,658,905$2,017,250$4,914,304
56$6,833,989$2,720,939$2,016,575$5,278,128
57$7,460,653$2,783,862$2,013,728$5,676,131
58$8,149,019$2,847,651$2,008,567$6,111,759
59$8,905,311$2,912,277$2,000,946$6,588,808
60$9,736,385$2,977,711$1,990,710$7,111,461
61$10,649,795$3,043,918$1,977,697$7,684,330
62$11,653,861$3,110,858$1,961,738$8,312,499
63$12,757,753$3,178,488$1,942,654$9,001,568
64$13,971,571$3,246,761$1,920,260$9,757,712
65$15,306,443$3,315,623$1,894,360$10,587,737
66$16,774,630$3,385,018$1,864,751$11,499,143
67$18,389,639$3,454,882$1,831,218$12,500,198
68$20,166,356$3,525,144$1,793,537$13,600,013
69$22,121,179$3,595,731$1,751,475$14,808,632
70$24,272,175$3,666,558$1,704,786$16,137,123
71$26,639,255$3,737,537$1,653,214$17,597,687
72$29,244,353$3,808,571$1,596,490$19,203,771
73$32,111,640$3,879,553$1,534,336$20,970,196
74$35,267,747$3,950,372$1,466,456$22,913,297
75$38,742,021$4,020,903$1,392,545$25,051,078
76$42,566,794$4,091,014$1,312,283$27,403,383
77$46,777,696$4,160,564$1,225,334$29,992,082
78$51,413,987$4,229,397$1,131,348$32,841,279
79$56,518,926$4,297,350$1,029,961$35,977,544
80$62,140,181$4,364,244$920,789$39,430,156
81$68,330,279$4,429,891$803,435$43,231,388
82$75,147,098$4,494,087$677,480$47,416,808
83$82,654,417$4,556,612$542,491$52,025,617
84$90,922,516$4,617,234$398,013$57,101,021
85$100,028,837$4,675,703$243,571$62,690,636
86$110,058,718$4,731,752$78,670$68,846,944
87$121,106,196$4,785,097$0$75,627,783
88$133,274,893$4,835,431$0$83,123,895
89$146,678,997$4,882,433$0$91,403,584
90$161,444,336$4,925,754$0$100,522,590
91$177,709,569$4,965,026$0$110,566,408
92$195,627,490$4,999,857$0$121,629,257
93$215,366,472$5,029,828$0$133,814,962
94$237,112,057$5,054,495$0$147,237,941
95$261,068,706$5,073,384$0$162,024,279
96$287,461,726$5,085,992$0$178,312,922
97$316,539,400$5,091,784$0$196,256,987
98$348,575,330$5,090,192$0$216,025,211
99$383,871,015$5,080,613$0$237,803,541
100$422,758,701$5,062,406$0$261,796,889