Can I retire at age 41 with 450,000?

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 $450,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$37,161$36,830$36,507$36,191$35,884$35,583
2 years$18,396$18,054$17,722$17,400$17,087$16,784
3 years$12,142$11,798$11,467$11,148$10,841$10,545
4 years$9,016$8,673$8,345$8,032$7,732$7,445
5 years$7,141$6,800$6,476$6,169$5,878$5,601
6 years$5,891$5,552$5,234$4,933$4,651$4,385
7 years$4,999$4,663$4,349$4,056$3,782$3,527
8 years$4,330$3,997$3,688$3,403$3,138$2,893
9 years$3,810$3,480$3,177$2,898$2,642$2,408
10 years$3,394$3,068$2,770$2,498$2,252$2,028
11 years$3,054$2,731$2,438$2,174$1,936$1,723
12 years$2,771$2,451$2,164$1,907$1,678$1,474
13 years$2,531$2,215$1,933$1,684$1,463$1,270
14 years$2,326$2,013$1,737$1,495$1,283$1,098
15 years$2,149$1,839$1,568$1,333$1,129$954
16 years$1,994$1,688$1,422$1,193$998$832
17 years$1,857$1,554$1,294$1,072$885$728
18 years$1,735$1,436$1,181$966$787$638
19 years$1,627$1,331$1,081$873$701$561
20 years$1,529$1,237$992$791$627$494
21 years$1,441$1,152$913$718$561$436
22 years$1,361$1,075$841$653$503$385
23 years$1,288$1,006$777$594$451$340
24 years$1,222$942$718$542$405$301
25 years$1,160$884$665$495$365$267
26 years$1,104$831$617$453$329$237
27 years$1,051$782$573$414$296$210
28 years$1,003$737$533$380$267$187
29 years$958$695$496$348$241$166
30 years$916$657$462$319$218$147
31 years$877$621$430$293$197$131
32 years$840$587$402$270$178$117
33 years$806$556$375$248$161$104
34 years$774$527$350$228$146$93
35 years$743$500$328$210$132$82
36 years$715$475$306$193$120$73
37 years$688$451$287$178$109$65
38 years$662$428$269$164$99$58
39 years$638$407$252$151$89$52
40 years$615$388$236$140$81$46
41 years$594$369$221$129$74$41
42 years$573$351$207$119$67$37
43 years$553$335$195$110$61$33
44 years$535$319$183$101$55$29
45 years$517$304$172$94$50$26
46 years$500$290$161$86$45$23
47 years$484$277$151$80$41$21
48 years$468$264$142$74$37$19
49 years$454$253$134$68$34$17
50 years$439$241$126$63$31$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $450,000, adding $3,326 every year, while hoping to spend $27,918 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: 47/29/24 Blend
40$450,000$450,000$450,000$450,000
41$499,331$475,481$468,506$519,237
42$520,558$469,075$454,496$527,133
43$543,015$461,419$439,082$532,678
44$566,797$452,423$422,185$538,136
45$592,009$441,991$403,728$543,512
46$618,766$430,021$383,625$548,815
47$647,193$416,405$361,789$554,054
48$677,427$401,029$338,129$559,244
49$709,618$383,772$312,549$564,402
50$743,929$364,508$284,950$569,549
51$780,541$343,100$255,228$574,711
52$819,651$319,406$223,272$579,920
53$861,474$293,275$188,970$585,214
54$906,246$264,548$152,203$590,637
55$954,228$233,056$112,847$596,242
56$1,005,704$198,620$70,771$602,089
57$1,060,986$161,053$25,842$608,251
58$1,120,416$120,154$0$614,808
59$1,184,372$75,715$0$627,516
60$1,253,266$27,513$0$648,254
61$1,327,552$0$0$670,559
62$1,407,728$0$0$702,492
63$1,494,342$0$0$746,515
64$1,587,996$0$0$794,157
65$1,689,352$0$0$845,761
66$1,799,136$0$0$901,702
67$1,918,149$0$0$962,394
68$2,047,270$0$0$1,028,291
69$2,187,465$0$0$1,099,893
70$2,339,798$0$0$1,177,751
71$2,505,439$0$0$1,262,468
72$2,685,676$0$0$1,354,711
73$2,881,924$0$0$1,455,212
74$3,095,742$0$0$1,564,777
75$3,328,846$0$0$1,684,294
76$3,583,122$0$0$1,814,739
77$3,860,648$0$0$1,957,186
78$4,163,712$0$0$2,112,819
79$4,494,830$0$0$2,282,941
80$4,856,774$0$0$2,468,985
81$5,252,597$0$0$2,672,532
82$5,685,657$0$0$2,895,319
83$6,159,653$0$0$3,139,261
84$6,678,660$0$0$3,406,467
85$7,247,164$0$0$3,699,259
86$7,870,104$0$0$4,020,193
87$8,552,922$0$0$4,372,086
88$9,301,610$0$0$4,758,040
89$10,122,766$0$0$5,181,471
90$11,023,661$0$0$5,646,143
91$12,012,301$0$0$6,156,200
92$13,097,505$0$0$6,716,209
93$14,288,989$0$0$7,331,199
94$15,597,453$0$0$8,006,712
95$17,034,687$0$0$8,748,850
96$18,613,676$0$0$9,564,338
97$20,348,729$0$0$10,460,583
98$22,255,605$0$0$11,445,748
99$24,351,669$0$0$12,528,821
100$26,656,050$0$0$13,719,710