Can I retire at age 41 with 1,810,000?

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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$149,468$148,137$146,838$145,570$144,332$139,322
2 years$73,994$72,616$71,280$69,986$68,729$63,734
3 years$48,839$47,455$46,123$44,840$43,605$38,780
4 years$36,265$34,885$33,566$32,305$31,099$26,483
5 years$28,722$27,350$26,048$24,813$23,641$19,245
6 years$23,695$22,333$21,051$19,843$18,706$14,534
7 years$20,105$18,756$17,494$16,314$15,213$11,264
8 years$17,414$16,077$14,836$13,686$12,621$8,891
9 years$15,323$13,998$12,778$11,657$10,629$7,114
10 years$13,650$12,338$11,140$10,049$9,056$5,751
11 years$12,283$10,984$9,808$8,745$7,789$4,686
12 years$11,144$9,859$8,704$7,671$6,749$3,842
13 years$10,182$8,909$7,777$6,772$5,886$3,166
14 years$9,357$8,098$6,987$6,012$5,159$2,619
15 years$8,643$7,398$6,309$5,361$4,543$2,174
16 years$8,019$6,788$5,720$4,800$4,015$1,809
17 years$7,469$6,251$5,205$4,313$3,560$1,509
18 years$6,980$5,776$4,751$3,887$3,165$1,261
19 years$6,544$5,353$4,349$3,512$2,821$1,055
20 years$6,152$4,975$3,992$3,181$2,520$884
21 years$5,797$4,634$3,672$2,887$2,255$741
22 years$5,475$4,325$3,384$2,625$2,021$622
23 years$5,182$4,045$3,124$2,391$1,815$523
24 years$4,913$3,790$2,890$2,180$1,631$439
25 years$4,666$3,557$2,676$1,991$1,468$369
26 years$4,439$3,343$2,482$1,821$1,322$311
27 years$4,229$3,146$2,305$1,666$1,192$262
28 years$4,034$2,965$2,143$1,527$1,075$220
29 years$3,853$2,797$1,994$1,400$971$185
30 years$3,684$2,641$1,857$1,285$877$156
31 years$3,527$2,497$1,732$1,180$793$132
32 years$3,380$2,363$1,616$1,085$718$111
33 years$3,241$2,237$1,508$997$649$93
34 years$3,112$2,121$1,409$918$588$79
35 years$2,990$2,011$1,318$845$533$66
36 years$2,875$1,909$1,233$778$483$56
37 years$2,766$1,813$1,154$717$437$47
38 years$2,664$1,723$1,080$661$396$40
39 years$2,567$1,639$1,012$609$360$33
40 years$2,475$1,559$949$562$326$28
41 years$2,387$1,484$890$518$296$24
42 years$2,304$1,413$835$478$268$20
43 years$2,226$1,347$783$442$244$17
44 years$2,151$1,284$735$408$221$14
45 years$2,079$1,224$690$377$201$12
46 years$2,011$1,168$648$348$182$10
47 years$1,946$1,114$609$321$166$9
48 years$1,884$1,064$572$297$150$7
49 years$1,824$1,016$538$274$137$6
50 years$1,767$970$506$254$124$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,810,000, adding $3,021 every year, while hoping to spend $21,328 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: 63/7/30 Blend
40$1,810,000$1,810,000$1,810,000$1,810,000
41$1,997,736$1,901,806$1,873,751$2,107,312
42$2,178,812$1,972,302$1,913,829$2,252,635
43$2,377,644$2,045,537$1,954,535$2,408,730
44$2,596,018$2,121,623$1,995,867$2,578,798
45$2,835,907$2,200,677$2,037,823$2,764,215
46$3,099,479$2,282,820$2,080,399$2,966,497
47$3,389,127$2,368,179$2,123,594$3,187,311
48$3,707,483$2,456,886$2,167,400$3,428,494
49$4,057,452$2,549,078$2,211,813$3,692,070
50$4,442,228$2,644,900$2,256,825$3,980,266
51$4,865,336$2,744,501$2,302,430$4,295,538
52$5,330,656$2,848,037$2,348,617$4,640,587
53$5,842,464$2,955,672$2,395,376$5,018,392
54$6,405,471$3,067,575$2,442,697$5,432,232
55$7,024,868$3,183,925$2,490,565$5,885,720
56$7,706,373$3,304,905$2,538,968$6,382,836
57$8,456,288$3,430,711$2,587,888$6,927,963
58$9,281,556$3,561,543$2,637,310$7,525,933
59$10,189,827$3,697,611$2,687,212$8,182,064
60$11,189,531$3,839,135$2,737,575$8,902,220
61$12,289,956$3,986,346$2,788,377$9,692,859
62$13,501,335$4,139,480$2,839,591$10,561,095
63$14,834,946$4,298,789$2,891,192$11,514,768
64$16,303,214$4,464,534$2,943,150$12,562,514
65$17,919,831$4,636,985$2,995,435$13,713,851
66$19,699,885$4,816,428$3,048,013$14,979,262
67$21,659,999$5,003,159$3,100,847$16,370,301
68$23,818,492$5,197,487$3,153,899$17,899,696
69$26,195,551$5,399,737$3,207,128$19,581,472
70$28,813,419$5,610,245$3,260,488$21,431,083
71$31,696,605$5,829,365$3,313,932$23,465,556
72$34,872,119$6,057,464$3,367,409$25,703,655
73$38,369,724$6,294,928$3,420,865$28,166,054
74$42,222,214$6,542,158$3,474,243$30,875,533
75$46,465,730$6,799,574$3,527,480$33,857,195
76$51,140,095$7,067,614$3,580,511$37,138,699
77$56,289,194$7,346,736$3,633,267$40,750,524
78$61,961,384$7,637,418$3,685,674$44,726,257
79$68,209,954$7,940,161$3,737,653$49,102,906
80$75,093,627$8,255,486$3,789,122$53,921,252
81$82,677,111$8,583,939$3,839,992$59,226,233
82$91,031,715$8,926,090$3,890,170$65,067,368
83$100,236,016$9,282,536$3,939,557$71,499,225
84$110,376,607$9,653,897$3,988,050$78,581,934
85$121,548,909$10,040,826$4,035,537$86,381,756
86$133,858,073$10,444,001$4,081,903$94,971,708
87$147,419,973$10,864,134$4,127,023$104,432,250
88$162,362,301$11,301,968$4,170,770$114,852,049
89$178,825,770$11,758,278$4,213,004$126,328,810
90$196,965,442$12,233,877$4,253,583$138,970,202
91$216,952,192$12,729,613$4,292,354$152,894,872
92$238,974,324$13,246,372$4,329,156$168,233,568
93$263,239,343$13,785,082$4,363,821$185,130,367
94$289,975,918$14,346,713$4,396,170$203,744,042
95$319,436,037$14,932,277$4,426,018$224,249,556
96$351,897,390$15,542,836$4,453,166$246,839,713
97$387,665,985$16,179,496$4,477,409$271,726,980
98$427,079,041$16,843,418$4,498,528$299,145,495
99$470,508,170$17,535,811$4,516,295$329,353,268
100$518,362,882$18,257,945$4,530,470$362,634,627