Can I retire at age 41 with 825,000?

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 $825,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$68,128$67,521$66,929$66,351$65,787$64,248
2 years$33,727$33,098$32,490$31,899$31,327$29,786
3 years$22,261$21,630$21,023$20,438$19,875$18,380
4 years$16,529$15,900$15,299$14,725$14,175$12,736
5 years$13,091$12,466$11,873$11,310$10,776$9,398
6 years$10,800$10,180$9,595$9,045$8,526$7,211
7 years$9,164$8,549$7,974$7,436$6,934$5,681
8 years$7,938$7,328$6,762$6,238$5,753$4,562
9 years$6,984$6,380$5,824$5,313$4,845$3,715
10 years$6,222$5,624$5,078$4,580$4,128$3,058
11 years$5,599$5,007$4,470$3,986$3,550$2,539
12 years$5,080$4,494$3,967$3,496$3,076$2,122
13 years$4,641$4,061$3,545$3,087$2,683$1,783
14 years$4,265$3,691$3,185$2,740$2,352$1,505
15 years$3,940$3,372$2,875$2,444$2,071$1,275
16 years$3,655$3,094$2,607$2,188$1,830$1,083
17 years$3,404$2,849$2,372$1,966$1,623$923
18 years$3,182$2,633$2,166$1,772$1,443$788
19 years$2,983$2,440$1,982$1,601$1,286$674
20 years$2,804$2,267$1,819$1,450$1,149$577
21 years$2,642$2,112$1,674$1,316$1,028$495
22 years$2,496$1,972$1,542$1,196$921$425
23 years$2,362$1,844$1,424$1,090$827$365
24 years$2,239$1,728$1,317$994$743$314
25 years$2,127$1,621$1,220$908$669$270
26 years$2,023$1,524$1,131$830$603$233
27 years$1,928$1,434$1,051$760$543$201
28 years$1,839$1,351$977$696$490$173
29 years$1,756$1,275$909$638$443$149
30 years$1,679$1,204$847$586$400$129
31 years$1,608$1,138$789$538$362$111
32 years$1,540$1,077$736$494$327$96
33 years$1,477$1,020$688$455$296$83
34 years$1,418$967$642$418$268$71
35 years$1,363$917$601$385$243$62
36 years$1,310$870$562$355$220$53
37 years$1,261$826$526$327$199$46
38 years$1,214$785$492$301$181$40
39 years$1,170$747$461$278$164$34
40 years$1,128$711$432$256$149$30
41 years$1,088$676$406$236$135$26
42 years$1,050$644$380$218$122$22
43 years$1,014$614$357$201$111$19
44 years$980$585$335$186$101$17
45 years$948$558$315$172$92$14
46 years$917$532$295$159$83$12
47 years$887$508$278$147$75$11
48 years$859$485$261$135$69$9
49 years$831$463$245$125$62$8
50 years$805$442$231$116$57$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $825,000, adding $2,841 every year, while hoping to spend $25,816 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: 46/48/6 Blend
40$825,000$825,000$825,000$825,000
41$912,080$868,355$855,568$952,428
42$977,645$883,437$856,761$995,534
43$1,049,031$898,392$857,130$1,039,337
44$1,126,807$913,187$856,618$1,086,245
45$1,211,594$927,787$855,168$1,136,554
46$1,304,081$942,153$852,720$1,190,588
47$1,405,022$956,243$849,211$1,248,705
48$1,515,248$970,013$844,574$1,311,300
49$1,635,675$983,415$838,739$1,378,809
50$1,767,311$996,400$831,633$1,451,713
51$1,911,265$1,008,911$823,181$1,530,542
52$2,068,758$1,020,892$813,302$1,615,881
53$2,241,136$1,032,280$801,912$1,708,376
54$2,429,879$1,043,009$788,923$1,808,738
55$2,636,618$1,053,008$774,244$1,917,754
56$2,863,150$1,062,203$757,778$2,036,290
57$3,111,453$1,070,512$739,425$2,165,303
58$3,383,705$1,077,851$719,079$2,305,846
59$3,682,305$1,084,128$696,630$2,459,084
60$4,009,897$1,089,246$671,964$2,626,300
61$4,369,390$1,093,104$644,959$2,808,912
62$4,763,993$1,095,590$615,490$3,008,482
63$5,197,236$1,096,590$583,424$3,226,733
64$5,673,010$1,095,979$548,625$3,465,567
65$6,195,601$1,093,626$510,949$3,727,082
66$6,769,731$1,089,392$470,244$4,013,592
67$7,400,601$1,083,130$426,354$4,327,649
68$8,093,940$1,074,682$379,115$4,672,070
69$8,856,063$1,063,881$328,356$5,049,960
70$9,693,923$1,050,553$273,898$5,464,745
71$10,615,183$1,034,510$215,553$5,920,203
72$11,628,284$1,015,553$153,127$6,420,502
73$12,742,528$993,474$86,415$6,970,240
74$13,968,161$968,050$15,206$7,574,485
75$15,316,475$939,046$0$8,238,829
76$16,799,909$906,213$0$8,973,330
77$18,432,170$869,288$0$9,782,189
78$20,228,360$827,991$0$10,671,946
79$22,205,118$782,028$0$11,650,889
80$24,380,780$731,087$0$12,728,154
81$26,775,547$674,839$0$13,913,816
82$29,411,681$612,934$0$15,218,985
83$32,313,708$545,003$0$16,655,908
84$35,508,657$470,659$0$18,238,089
85$39,026,307$389,488$0$19,980,419
86$42,899,474$301,057$0$21,899,312
87$47,164,318$204,906$0$24,012,868
88$51,860,682$100,550$0$26,341,040
89$57,032,471$0$0$28,905,827
90$62,728,067$0$0$31,738,095
91$69,000,779$0$0$34,915,968
92$75,909,352$0$0$38,416,112
93$83,518,521$0$0$42,271,341
94$91,899,617$0$0$46,517,811
95$101,131,244$0$0$51,195,367
96$111,300,021$0$0$56,347,916
97$122,501,394$0$0$62,023,838
98$134,840,543$0$0$68,276,451
99$148,433,372$0$0$75,164,505
100$163,407,601$0$0$82,752,742