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%11.7%
1 years$68,128$67,521$66,929$66,351$65,787$65,317
2 years$33,727$33,098$32,490$31,899$31,327$30,854
3 years$22,261$21,630$21,023$20,438$19,875$19,413
4 years$16,529$15,900$15,299$14,725$14,175$13,727
5 years$13,091$12,466$11,873$11,310$10,776$10,343
6 years$10,800$10,180$9,595$9,045$8,526$8,110
7 years$9,164$8,549$7,974$7,436$6,934$6,534
8 years$7,938$7,328$6,762$6,238$5,753$5,369
9 years$6,984$6,380$5,824$5,313$4,845$4,477
10 years$6,222$5,624$5,078$4,580$4,128$3,776
11 years$5,599$5,007$4,470$3,986$3,550$3,214
12 years$5,080$4,494$3,967$3,496$3,076$2,756
13 years$4,641$4,061$3,545$3,087$2,683$2,378
14 years$4,265$3,691$3,185$2,740$2,352$2,062
15 years$3,940$3,372$2,875$2,444$2,071$1,795
16 years$3,655$3,094$2,607$2,188$1,830$1,568
17 years$3,404$2,849$2,372$1,966$1,623$1,374
18 years$3,182$2,633$2,166$1,772$1,443$1,208
19 years$2,983$2,440$1,982$1,601$1,286$1,064
20 years$2,804$2,267$1,819$1,450$1,149$939
21 years$2,642$2,112$1,674$1,316$1,028$830
22 years$2,496$1,972$1,542$1,196$921$734
23 years$2,362$1,844$1,424$1,090$827$651
24 years$2,239$1,728$1,317$994$743$578
25 years$2,127$1,621$1,220$908$669$513
26 years$2,023$1,524$1,131$830$603$456
27 years$1,928$1,434$1,051$760$543$406
28 years$1,839$1,351$977$696$490$361
29 years$1,756$1,275$909$638$443$322
30 years$1,679$1,204$847$586$400$287
31 years$1,608$1,138$789$538$362$256
32 years$1,540$1,077$736$494$327$228
33 years$1,477$1,020$688$455$296$204
34 years$1,418$967$642$418$268$182
35 years$1,363$917$601$385$243$162
36 years$1,310$870$562$355$220$145
37 years$1,261$826$526$327$199$130
38 years$1,214$785$492$301$181$116
39 years$1,170$747$461$278$164$104
40 years$1,128$711$432$256$149$93
41 years$1,088$676$406$236$135$83
42 years$1,050$644$380$218$122$74
43 years$1,014$614$357$201$111$66
44 years$980$585$335$186$101$59
45 years$948$558$315$172$92$53
46 years$917$532$295$159$83$47
47 years$887$508$278$147$75$42
48 years$859$485$261$135$69$38
49 years$831$463$245$125$62$34
50 years$805$442$231$116$57$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $825,000, adding $3,208 every year, while hoping to spend $47,621 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: 31/50/19 Blend
40$825,000$825,000$825,000$825,000
41$912,459$868,734$855,947$935,236
42$954,862$860,634$833,952$944,527
43$999,993$850,540$809,625$949,974
44$1,048,081$838,306$782,837$954,827
45$1,099,377$823,774$753,453$959,065
46$1,154,153$806,778$721,333$962,666
47$1,212,709$787,143$686,330$965,610
48$1,275,374$764,682$648,291$967,884
49$1,342,508$739,197$607,055$969,475
50$1,414,507$710,481$562,455$970,375
51$1,491,805$678,313$514,315$970,584
52$1,574,876$642,458$462,452$970,105
53$1,664,245$602,669$406,675$968,950
54$1,760,485$558,687$346,785$967,138
55$1,864,225$510,233$282,573$964,699
56$1,976,158$457,016$213,822$961,675
57$2,097,044$398,728$140,303$958,117
58$2,227,719$335,043$61,780$954,095
59$2,369,102$265,615$0$949,693
60$2,522,201$190,081$0$949,477
61$2,688,128$108,057$0$962,766
62$2,868,101$19,137$0$977,224
63$3,063,464$0$0$993,086
64$3,275,693$0$0$1,053,043
65$3,506,412$0$0$1,129,783
66$3,757,407$0$0$1,213,383
67$4,030,643$0$0$1,304,514
68$4,328,284$0$0$1,403,913
69$4,652,710$0$0$1,512,389
70$5,006,540$0$0$1,630,837
71$5,392,656$0$0$1,760,238
72$5,814,234$0$0$1,901,674
73$6,274,765$0$0$2,056,336
74$6,778,096$0$0$2,225,536
75$7,328,461$0$0$2,410,717
76$7,930,522$0$0$2,613,469
77$8,589,411$0$0$2,835,542
78$9,310,782$0$0$3,078,865
79$10,100,857$0$0$3,345,562
80$10,966,492$0$0$3,637,969
81$11,915,236$0$0$3,958,664
82$12,955,401$0$0$4,310,483
83$14,096,145$0$0$4,696,551
84$15,347,552$0$0$5,120,309
85$16,720,731$0$0$5,585,549
86$18,227,918$0$0$6,096,447
87$19,882,591$0$0$6,657,603
88$21,699,596$0$0$7,274,085
89$23,695,289$0$0$7,951,478
90$25,887,686$0$0$8,695,930
91$28,296,635$0$0$9,514,219
92$30,944,001$0$0$10,413,809
93$33,853,874$0$0$11,402,925
94$37,052,791$0$0$12,490,629
95$40,569,992$0$0$13,686,904
96$44,437,688$0$0$15,002,749
97$48,691,371$0$0$16,450,283
98$53,370,141$0$0$18,042,859
99$58,517,083$0$0$19,795,190
100$64,179,662$0$0$21,723,485