Can I retire at age 41 with 775,000?

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 $775,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$63,999$63,429$62,873$62,330$61,800$61,103
2 years$31,683$31,093$30,521$29,966$29,428$28,727
3 years$20,912$20,319$19,749$19,200$18,671$17,987
4 years$15,528$14,937$14,372$13,832$13,316$12,655
5 years$12,298$11,711$11,153$10,624$10,123$9,485
6 years$10,145$9,563$9,014$8,496$8,010$7,398
7 years$8,609$8,031$7,490$6,985$6,514$5,927
8 years$7,456$6,884$6,352$5,860$5,404$4,843
9 years$6,561$5,994$5,471$4,991$4,551$4,015
10 years$5,845$5,283$4,770$4,303$3,878$3,366
11 years$5,259$4,703$4,199$3,745$3,335$2,847
12 years$4,772$4,221$3,727$3,284$2,890$2,426
13 years$4,359$3,815$3,330$2,900$2,520$2,080
14 years$4,006$3,468$2,992$2,574$2,209$1,791
15 years$3,701$3,168$2,701$2,296$1,945$1,549
16 years$3,434$2,906$2,449$2,055$1,719$1,344
17 years$3,198$2,677$2,229$1,847$1,524$1,170
18 years$2,989$2,473$2,034$1,664$1,355$1,021
19 years$2,802$2,292$1,862$1,504$1,208$892
20 years$2,634$2,130$1,709$1,362$1,079$782
21 years$2,482$1,984$1,572$1,236$966$686
22 years$2,344$1,852$1,449$1,124$866$603
23 years$2,219$1,732$1,338$1,024$777$530
24 years$2,104$1,623$1,237$934$698$467
25 years$1,998$1,523$1,146$853$628$411
26 years$1,901$1,431$1,063$780$566$363
27 years$1,811$1,347$987$714$510$320
28 years$1,727$1,269$917$654$460$283
29 years$1,650$1,198$854$600$416$250
30 years$1,578$1,131$795$550$376$221
31 years$1,510$1,069$741$505$340$195
32 years$1,447$1,012$692$464$307$173
33 years$1,388$958$646$427$278$153
34 years$1,332$908$603$393$252$136
35 years$1,280$861$564$362$228$120
36 years$1,231$817$528$333$207$106
37 years$1,184$776$494$307$187$94
38 years$1,140$738$463$283$170$83
39 years$1,099$702$433$261$154$74
40 years$1,060$667$406$241$140$66
41 years$1,022$635$381$222$127$58
42 years$987$605$357$205$115$52
43 years$953$577$335$189$104$46
44 years$921$550$315$175$95$41
45 years$890$524$296$161$86$36
46 years$861$500$278$149$78$32
47 years$833$477$261$138$71$28
48 years$807$455$245$127$64$25
49 years$781$435$230$118$58$22
50 years$757$415$217$109$53$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $775,000, adding $3,868 every year, while hoping to spend $33,725 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: 71/7/22 Blend
40$775,000$775,000$775,000$775,000
41$858,040$816,965$804,952$914,027
42$909,677$821,113$796,035$956,024
43$965,450$824,334$785,689$997,641
44$1,025,747$826,547$773,830$1,042,381
45$1,090,991$827,666$760,371$1,090,552
46$1,161,650$827,599$745,221$1,142,490
47$1,238,236$826,249$728,284$1,198,569
48$1,321,314$823,513$709,459$1,259,199
49$1,411,504$819,282$688,643$1,324,836
50$1,509,489$813,439$665,724$1,395,978
51$1,616,021$805,860$640,589$1,473,180
52$1,731,924$796,417$613,118$1,557,050
53$1,858,108$784,969$583,186$1,648,260
54$1,995,573$771,370$550,660$1,747,554
55$2,145,420$755,466$515,405$1,855,750
56$2,308,859$737,090$477,278$1,973,750
57$2,487,224$716,069$436,128$2,102,552
58$2,681,982$692,218$391,800$2,243,254
59$2,894,749$665,341$344,130$2,397,070
60$3,127,304$635,233$292,949$2,565,337
61$3,381,604$601,674$238,077$2,749,530
62$3,659,804$564,433$179,330$2,951,277
63$3,964,280$523,266$116,513$3,172,374
64$4,297,643$477,913$49,423$3,414,801
65$4,662,774$428,102$0$3,680,741
66$5,062,841$373,543$0$3,977,809
67$5,501,336$313,932$0$4,316,176
68$5,982,103$248,945$0$4,687,212
69$6,509,377$178,243$0$5,094,205
70$7,087,821$101,464$0$5,540,777
71$7,722,573$18,230$0$6,030,919
72$8,419,290$0$0$6,569,029
73$9,184,208$0$0$7,165,488
74$10,024,190$0$0$7,822,063
75$10,946,801$0$0$8,543,269
76$11,960,373$0$0$9,335,624
77$13,074,085$0$0$10,206,308
78$14,298,049$0$0$11,163,234
79$15,643,404$0$0$12,215,116
80$17,122,425$0$0$13,371,557
81$18,748,634$0$0$14,643,136
82$20,536,926$0$0$16,041,507
83$22,503,717$0$0$17,579,513
84$24,667,088$0$0$19,271,301
85$27,046,966$0$0$21,132,460
86$29,665,302$0$0$23,180,165
87$32,546,283$0$0$25,433,340
88$35,716,561$0$0$27,912,836
89$39,205,500$0$0$30,641,627
90$43,045,455$0$0$33,645,028
91$47,272,077$0$0$36,950,932
92$51,924,648$0$0$40,590,072
93$57,046,451$0$0$44,596,314
94$62,685,182$0$0$49,006,974
95$68,893,393$0$0$53,863,168
96$75,728,992$0$0$59,210,206
97$83,255,790$0$0$65,098,010
98$91,544,097$0$0$71,581,594
99$100,671,394$0$0$78,721,576
100$110,723,052$0$0$86,584,754