Can I retire at age 41 with 770,000?

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 $770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$63,586$63,019$62,467$61,928$61,401$59,723
2 years$31,478$30,892$30,324$29,773$29,239$27,560
3 years$20,777$20,188$19,621$19,076$18,550$16,924
4 years$15,427$14,840$14,279$13,743$13,230$11,669
5 years$12,219$11,635$11,081$10,556$10,057$8,565
6 years$10,080$9,501$8,955$8,442$7,958$6,536
7 years$8,553$7,979$7,442$6,940$6,472$5,121
8 years$7,408$6,839$6,311$5,822$5,369$4,087
9 years$6,519$5,955$5,436$4,959$4,522$3,309
10 years$5,807$5,249$4,739$4,275$3,853$2,707
11 years$5,225$4,673$4,172$3,720$3,313$2,233
12 years$4,741$4,194$3,703$3,263$2,871$1,854
13 years$4,331$3,790$3,308$2,881$2,504$1,547
14 years$3,981$3,445$2,972$2,557$2,195$1,297
15 years$3,677$3,147$2,684$2,281$1,933$1,091
16 years$3,411$2,888$2,433$2,042$1,708$921
17 years$3,177$2,659$2,214$1,835$1,514$779
18 years$2,970$2,457$2,021$1,654$1,347$660
19 years$2,784$2,277$1,850$1,494$1,200$560
20 years$2,617$2,116$1,698$1,353$1,072$476
21 years$2,466$1,971$1,562$1,228$959$405
22 years$2,329$1,840$1,440$1,117$860$345
23 years$2,204$1,721$1,329$1,017$772$294
24 years$2,090$1,612$1,229$928$694$251
25 years$1,985$1,513$1,139$847$624$214
26 years$1,888$1,422$1,056$775$562$183
27 years$1,799$1,338$981$709$507$157
28 years$1,716$1,261$912$650$457$134
29 years$1,639$1,190$848$596$413$114
30 years$1,567$1,124$790$547$373$98
31 years$1,500$1,062$737$502$337$84
32 years$1,438$1,005$687$461$305$72
33 years$1,379$952$642$424$276$61
34 years$1,324$902$600$390$250$53
35 years$1,272$856$561$359$227$45
36 years$1,223$812$524$331$205$39
37 years$1,177$771$491$305$186$33
38 years$1,133$733$460$281$169$28
39 years$1,092$697$431$259$153$24
40 years$1,053$663$404$239$139$21
41 years$1,016$631$378$221$126$18
42 years$980$601$355$204$114$15
43 years$947$573$333$188$104$13
44 years$915$546$313$173$94$11
45 years$884$521$294$160$85$10
46 years$855$497$276$148$78$8
47 years$828$474$259$137$70$7
48 years$801$453$243$126$64$6
49 years$776$432$229$117$58$5
50 years$752$413$215$108$53$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $770,000, adding $4,007 every year, while hoping to spend $52,526 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: 52/31/17 Blend
40$770,000$770,000$770,000$770,000
41$852,673$811,863$799,928$892,864
42$883,759$795,757$770,839$904,765
43$916,254$777,102$739,014$911,859
44$950,249$755,716$704,307$918,421
45$985,837$731,409$666,565$924,418
46$1,023,124$703,980$625,626$929,815
47$1,062,221$673,213$581,323$934,577
48$1,103,250$638,883$533,479$938,671
49$1,146,343$600,750$481,913$942,061
50$1,191,645$558,561$426,432$944,716
51$1,239,311$512,049$366,836$946,601
52$1,289,512$460,931$302,916$947,687
53$1,342,433$404,907$234,454$947,943
54$1,398,275$343,662$161,223$947,344
55$1,457,260$276,862$82,984$945,864
56$1,519,626$204,154$0$943,483
57$1,585,636$125,165$0$940,278
58$1,655,575$39,503$0$952,215
59$1,729,757$0$0$964,268
60$1,808,523$0$0$994,655
61$1,892,246$0$0$1,041,318
62$1,981,335$0$0$1,091,015
63$2,076,238$0$0$1,144,000
64$2,177,445$0$0$1,200,554
65$2,285,492$0$0$1,260,982
66$2,400,967$0$0$1,325,620
67$2,524,514$0$0$1,394,836
68$2,656,841$0$0$1,469,032
69$2,798,722$0$0$1,548,652
70$2,951,008$0$0$1,634,182
71$3,114,632$0$0$1,726,153
72$3,290,618$0$0$1,825,153
73$3,480,091$0$0$1,931,822
74$3,684,285$0$0$2,046,868
75$3,904,559$0$0$2,171,066
76$4,142,401$0$0$2,305,267
77$4,399,449$0$0$2,450,408
78$4,677,504$0$0$2,607,520
79$4,978,544$0$0$2,777,732
80$5,304,744$0$0$2,962,289
81$5,658,495$0$0$3,162,561
82$6,042,428$0$0$3,380,050
83$6,459,436$0$0$3,616,413
84$6,912,699$0$0$3,873,471
85$7,405,720$0$0$4,153,226
86$7,942,348$0$0$4,457,883
87$8,526,821$0$0$4,789,867
88$9,163,802$0$0$5,151,848
89$9,858,424$0$0$5,546,764
90$10,616,335$0$0$5,977,848
91$11,443,751$0$0$6,448,660
92$12,347,518$0$0$6,963,119
93$13,335,168$0$0$7,525,539
94$14,414,997$0$0$8,140,668
95$15,596,138$0$0$8,813,739
96$16,888,645$0$0$9,550,508
97$18,303,592$0$0$10,357,317
98$19,853,171$0$0$11,241,149
99$21,550,809$0$0$12,209,695
100$23,411,294$0$0$13,271,424