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%17.6%
1 years$35,096$34,783$34,478$34,181$33,890$32,845
2 years$17,374$17,051$16,737$16,433$16,138$15,094
3 years$11,468$11,143$10,830$10,529$10,239$9,229
4 years$8,515$8,191$7,881$7,585$7,302$6,334
5 years$6,744$6,422$6,116$5,826$5,551$4,627
6 years$5,564$5,244$4,943$4,659$4,392$3,514
7 years$4,721$4,404$4,108$3,831$3,572$2,739
8 years$4,089$3,775$3,484$3,213$2,963$2,175
9 years$3,598$3,287$3,000$2,737$2,496$1,751
10 years$3,205$2,897$2,616$2,359$2,126$1,424
11 years$2,884$2,579$2,303$2,053$1,829$1,168
12 years$2,617$2,315$2,044$1,801$1,585$964
13 years$2,391$2,092$1,826$1,590$1,382$800
14 years$2,197$1,902$1,641$1,412$1,211$666
15 years$2,029$1,737$1,481$1,259$1,067$557
16 years$1,883$1,594$1,343$1,127$943$467
17 years$1,754$1,468$1,222$1,013$836$392
18 years$1,639$1,356$1,116$913$743$330
19 years$1,537$1,257$1,021$825$662$278
20 years$1,444$1,168$937$747$592$235
21 years$1,361$1,088$862$678$530$199
22 years$1,286$1,016$795$616$475$168
23 years$1,217$950$734$561$426$142
24 years$1,154$890$679$512$383$121
25 years$1,096$835$628$468$345$102
26 years$1,042$785$583$428$310$87
27 years$993$739$541$391$280$74
28 years$947$696$503$359$253$62
29 years$905$657$468$329$228$53
30 years$865$620$436$302$206$45
31 years$828$586$407$277$186$38
32 years$794$555$379$255$168$32
33 years$761$525$354$234$152$28
34 years$731$498$331$215$138$23
35 years$702$472$309$198$125$20
36 years$675$448$289$183$113$17
37 years$650$426$271$168$103$14
38 years$625$405$254$155$93$12
39 years$603$385$238$143$84$10
40 years$581$366$223$132$77$9
41 years$561$348$209$122$69$8
42 years$541$332$196$112$63$6
43 years$523$316$184$104$57$5
44 years$505$301$173$96$52$5
45 years$488$287$162$88$47$4
46 years$472$274$152$82$43$3
47 years$457$262$143$75$39$3
48 years$442$250$134$70$35$2
49 years$428$239$126$64$32$2
50 years$415$228$119$60$29$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $425,000, adding $6,805 every year, while hoping to spend $20,630 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: 42/32/26 Blend
40$425,000$425,000$425,000$425,000
41$475,369$452,844$446,257$491,473
42$501,907$453,084$439,256$503,902
43$530,460$452,643$431,330$514,886
44$561,212$451,468$422,425$526,380
45$594,365$449,499$412,485$538,442
46$630,141$446,675$401,454$551,140
47$668,783$442,930$389,271$564,547
48$710,560$438,194$375,872$578,747
49$755,764$432,394$361,191$593,833
50$804,721$425,450$345,160$609,911
51$857,785$417,279$327,705$627,098
52$915,347$407,794$308,752$645,525
53$977,838$396,902$288,220$665,338
54$1,045,731$384,503$266,029$686,702
55$1,119,545$370,493$242,091$709,798
56$1,199,854$354,762$216,316$734,831
57$1,287,287$337,193$188,610$762,028
58$1,382,537$317,663$158,875$791,641
59$1,486,366$296,039$127,008$823,953
60$1,599,615$272,184$92,903$859,276
61$1,723,207$245,953$56,446$897,958
62$1,858,159$217,189$17,522$940,389
63$2,005,590$185,730$0$986,997
64$2,166,733$151,404$0$1,044,925
65$2,342,945$114,028$0$1,113,660
66$2,535,719$73,409$0$1,188,965
67$2,746,701$29,345$0$1,271,531
68$2,977,702$0$0$1,362,124
69$3,230,716$0$0$1,468,064
70$3,507,940$0$0$1,595,517
71$3,811,793$0$0$1,735,267
72$4,144,939$0$0$1,888,547
73$4,510,314$0$0$2,056,716
74$4,911,148$0$0$2,241,266
75$5,351,002$0$0$2,443,846
76$5,833,796$0$0$2,666,269
77$6,363,852$0$0$2,910,534
78$6,945,925$0$0$3,178,841
79$7,585,258$0$0$3,473,616
80$8,287,625$0$0$3,797,529
81$9,059,387$0$0$4,153,524
82$9,907,550$0$0$4,544,843
83$10,839,836$0$0$4,975,058
84$11,864,748$0$0$5,448,104
85$12,991,659$0$0$5,968,317
86$14,230,890$0$0$6,540,473
87$15,593,816$0$0$7,169,836
88$17,092,969$0$0$7,862,205
89$18,742,157$0$0$8,623,968
90$20,556,591$0$0$9,462,165
91$22,553,033$0$0$10,384,553
92$24,749,952$0$0$11,399,677
93$27,167,697$0$0$12,516,955
94$29,828,690$0$0$13,746,762
95$32,757,635$0$0$15,100,532
96$35,981,754$0$0$16,590,862
97$39,531,043$0$0$18,231,632
98$43,438,553$0$0$20,038,140
99$47,740,703$0$0$22,027,237
100$52,477,621$0$0$24,217,497