Can I retire at age 41 with 425,000?

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 $425,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$35,096$34,783$34,478$34,181$33,890$32,623
2 years$17,374$17,051$16,737$16,433$16,138$14,876
3 years$11,468$11,143$10,830$10,529$10,239$9,021
4 years$8,515$8,191$7,881$7,585$7,302$6,139
5 years$6,744$6,422$6,116$5,826$5,551$4,445
6 years$5,564$5,244$4,943$4,659$4,392$3,344
7 years$4,721$4,404$4,108$3,831$3,572$2,581
8 years$4,089$3,775$3,484$3,213$2,963$2,029
9 years$3,598$3,287$3,000$2,737$2,496$1,616
10 years$3,205$2,897$2,616$2,359$2,126$1,301
11 years$2,884$2,579$2,303$2,053$1,829$1,055
12 years$2,617$2,315$2,044$1,801$1,585$861
13 years$2,391$2,092$1,826$1,590$1,382$706
14 years$2,197$1,902$1,641$1,412$1,211$581
15 years$2,029$1,737$1,481$1,259$1,067$480
16 years$1,883$1,594$1,343$1,127$943$398
17 years$1,754$1,468$1,222$1,013$836$330
18 years$1,639$1,356$1,116$913$743$274
19 years$1,537$1,257$1,021$825$662$228
20 years$1,444$1,168$937$747$592$190
21 years$1,361$1,088$862$678$530$159
22 years$1,286$1,016$795$616$475$132
23 years$1,217$950$734$561$426$111
24 years$1,154$890$679$512$383$92
25 years$1,096$835$628$468$345$77
26 years$1,042$785$583$428$310$65
27 years$993$739$541$391$280$54
28 years$947$696$503$359$253$45
29 years$905$657$468$329$228$38
30 years$865$620$436$302$206$32
31 years$828$586$407$277$186$27
32 years$794$555$379$255$168$22
33 years$761$525$354$234$152$19
34 years$731$498$331$215$138$16
35 years$702$472$309$198$125$13
36 years$675$448$289$183$113$11
37 years$650$426$271$168$103$9
38 years$625$405$254$155$93$8
39 years$603$385$238$143$84$6
40 years$581$366$223$132$77$5
41 years$561$348$209$122$69$5
42 years$541$332$196$112$63$4
43 years$523$316$184$104$57$3
44 years$505$301$173$96$52$3
45 years$488$287$162$88$47$2
46 years$472$274$152$82$43$2
47 years$457$262$143$75$39$2
48 years$442$250$134$70$35$1
49 years$428$239$126$64$32$1
50 years$415$228$119$60$29$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $425,000, adding $4,969 every year, while hoping to spend $32,571 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: 36/41/23 Blend
40$425,000$425,000$425,000$425,000
41$473,476$450,951$444,363$487,083
42$487,115$438,392$424,594$484,960
43$501,054$424,126$403,071$479,309
44$515,288$408,035$379,701$472,553
45$529,813$389,995$354,386$464,613
46$544,621$369,872$327,026$455,407
47$559,704$347,527$297,513$444,845
48$575,051$322,813$265,736$432,833
49$590,648$295,573$231,580$419,270
50$606,480$265,641$194,924$404,052
51$622,527$232,844$155,640$387,065
52$638,769$196,997$113,598$368,190
53$655,178$157,905$68,658$347,301
54$671,726$115,362$20,678$324,262
55$688,377$69,150$0$298,931
56$705,093$19,040$0$278,648
57$721,830$0$0$261,663
58$738,535$0$0$258,652
59$755,151$0$0$264,162
60$771,612$0$0$269,577
61$787,844$0$0$274,865
62$803,765$0$0$279,994
63$819,279$0$0$284,924
64$834,282$0$0$289,613
65$848,655$0$0$294,013
66$862,267$0$0$298,069
67$874,970$0$0$301,722
68$886,597$0$0$304,905
69$896,966$0$0$307,543
70$905,870$0$0$309,554
71$913,081$0$0$310,845
72$918,344$0$0$311,315
73$921,376$0$0$310,848
74$921,862$0$0$309,318
75$919,453$0$0$306,585
76$913,760$0$0$302,494
77$904,353$0$0$296,872
78$890,754$0$0$289,527
79$872,433$0$0$280,247
80$848,806$0$0$268,799
81$819,220$0$0$254,922
82$782,958$0$0$238,329
83$739,223$0$0$218,701
84$687,133$0$0$195,687
85$625,714$0$0$168,898
86$553,889$0$0$137,905
87$470,464$0$0$102,230
88$374,122$0$0$61,351
89$263,406$0$0$14,685
90$136,709$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0