Can I retire at age 41 with 1,910,000?

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 $1,910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$157,726$156,321$154,950$153,612$152,306$146,785
2 years$78,082$76,628$75,219$73,852$72,527$67,025
3 years$51,538$50,077$48,671$47,318$46,014$40,705
4 years$38,268$36,812$35,420$34,090$32,818$27,741
5 years$30,308$28,861$27,488$26,184$24,947$20,117
6 years$25,004$23,567$22,214$20,940$19,740$15,159
7 years$21,216$19,792$18,460$17,216$16,054$11,722
8 years$18,377$16,965$15,656$14,442$13,318$9,231
9 years$16,169$14,771$13,484$12,301$11,216$7,367
10 years$14,405$13,020$11,756$10,604$9,557$5,941
11 years$12,962$11,591$10,350$9,228$8,219$4,828
12 years$11,760$10,404$9,185$8,095$7,122$3,948
13 years$10,744$9,402$8,206$7,146$6,211$3,244
14 years$9,874$8,546$7,373$6,344$5,444$2,677
15 years$9,121$7,807$6,657$5,657$4,794$2,215
16 years$8,462$7,163$6,036$5,066$4,237$1,838
17 years$7,882$6,597$5,492$4,551$3,756$1,529
18 years$7,366$6,095$5,014$4,102$3,340$1,273
19 years$6,906$5,649$4,590$3,706$2,977$1,062
20 years$6,491$5,250$4,212$3,357$2,659$887
21 years$6,117$4,890$3,874$3,046$2,380$742
22 years$5,778$4,564$3,571$2,770$2,133$621
23 years$5,468$4,269$3,297$2,523$1,915$520
24 years$5,185$4,000$3,049$2,301$1,721$436
25 years$4,924$3,754$2,824$2,101$1,549$365
26 years$4,684$3,528$2,619$1,921$1,395$306
27 years$4,463$3,320$2,432$1,759$1,258$257
28 years$4,257$3,128$2,261$1,611$1,135$216
29 years$4,066$2,951$2,104$1,478$1,025$181
30 years$3,888$2,787$1,960$1,356$926$152
31 years$3,722$2,635$1,827$1,245$837$127
32 years$3,566$2,493$1,705$1,145$757$107
33 years$3,421$2,361$1,592$1,052$685$90
34 years$3,284$2,238$1,487$968$620$76
35 years$3,155$2,122$1,391$891$562$63
36 years$3,034$2,014$1,301$821$509$53
37 years$2,919$1,913$1,218$756$461$45
38 years$2,811$1,818$1,140$697$418$38
39 years$2,708$1,729$1,068$643$379$32
40 years$2,611$1,645$1,001$593$344$27
41 years$2,519$1,566$939$547$312$22
42 years$2,432$1,491$881$505$283$19
43 years$2,349$1,421$826$466$257$16
44 years$2,269$1,354$776$430$233$13
45 years$2,194$1,292$728$397$212$11
46 years$2,122$1,232$684$367$192$9
47 years$2,053$1,176$643$339$175$8
48 years$1,988$1,122$604$313$159$7
49 years$1,925$1,072$568$290$144$6
50 years$1,865$1,024$534$268$131$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,910,000, adding $6,765 every year, while hoping to spend $35,037 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: 30/40/30 Blend
40$1,910,000$1,910,000$1,910,000$1,910,000
41$2,111,798$2,010,568$1,980,963$2,155,572
42$2,289,922$2,071,807$2,010,046$2,251,839
43$2,485,041$2,134,872$2,038,929$2,351,834
44$2,698,851$2,199,816$2,067,569$2,458,722
45$2,933,219$2,266,693$2,095,918$2,573,131
46$3,190,205$2,335,558$2,123,929$2,695,749
47$3,472,073$2,406,468$2,151,548$2,827,332
48$3,781,321$2,479,481$2,178,721$2,968,713
49$4,120,698$2,554,658$2,205,390$3,120,809
50$4,493,232$2,632,059$2,231,494$3,284,628
51$4,902,260$2,711,748$2,256,967$3,461,278
52$5,351,456$2,793,789$2,281,741$3,651,982
53$5,844,869$2,878,249$2,305,744$3,858,082
54$6,386,958$2,965,196$2,328,899$4,081,058
55$6,982,637$3,054,700$2,351,126$4,322,539
56$7,637,317$3,146,831$2,372,340$4,584,319
57$8,356,962$3,241,665$2,392,452$4,868,370
58$9,148,141$3,339,275$2,411,368$5,176,869
59$10,018,091$3,439,739$2,428,988$5,512,209
60$10,974,787$3,543,137$2,445,210$5,877,027
61$12,027,013$3,649,549$2,459,923$6,274,229
62$13,184,450$3,759,058$2,473,012$6,707,014
63$14,457,762$3,871,750$2,484,355$7,178,905
64$15,858,699$3,987,711$2,493,827$7,693,784
65$17,400,208$4,107,031$2,501,292$8,255,928
66$19,096,555$4,229,802$2,506,611$8,870,049
67$20,963,458$4,356,116$2,509,636$9,541,335
68$23,018,235$4,486,069$2,510,213$10,275,505
69$25,279,968$4,619,761$2,508,179$11,078,859
70$27,769,686$4,757,290$2,503,364$11,958,338
71$30,510,557$4,898,760$2,495,590$12,921,588
72$33,528,109$5,044,275$2,484,668$13,977,037
73$36,850,475$5,193,943$2,470,403$15,133,968
74$40,508,651$5,347,873$2,452,588$16,402,612
75$44,536,792$5,506,178$2,431,009$17,794,240
76$48,972,536$5,668,972$2,405,439$19,321,275
77$53,857,355$5,836,372$2,375,642$20,997,401
78$59,236,949$6,008,498$2,341,369$22,837,702
79$65,161,675$6,185,471$2,302,362$24,858,797
80$71,687,023$6,367,417$2,258,349$27,078,998
81$78,874,141$6,554,462$2,209,045$29,518,487
82$86,790,409$6,746,736$2,154,154$32,199,501
83$95,510,076$6,944,371$2,093,363$35,146,547
84$105,114,961$7,147,503$2,026,348$38,386,630
85$115,695,224$7,356,267$1,952,768$41,949,510
86$127,350,218$7,570,806$1,872,266$45,867,980
87$140,189,425$7,791,260$1,784,472$50,178,181
88$154,333,490$8,017,775$1,688,995$54,919,937
89$169,915,358$8,250,499$1,585,429$60,137,138
90$187,081,533$8,489,581$1,473,350$65,878,148
91$205,993,454$8,735,175$1,352,311$72,196,266
92$226,829,023$8,987,436$1,221,851$79,150,228
93$249,784,285$9,246,521$1,081,484$86,804,762
94$275,075,271$9,512,591$930,703$95,231,200
95$302,940,048$9,785,806$768,981$104,508,149
96$333,640,955$10,066,333$595,764$114,722,238
97$367,467,087$10,354,338$410,477$125,968,934
98$404,737,020$10,649,991$212,517$138,353,441
99$445,801,817$10,953,461$1,257$151,991,700
100$491,048,343$11,264,922$0$167,011,477