Can I retire at age 42 with 1,750,000?

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$144,513$143,226$141,970$140,744$139,547$134,117
2 years$71,541$70,209$68,918$67,666$66,451$61,045
3 years$47,220$45,882$44,594$43,354$42,159$36,949
4 years$35,062$33,728$32,453$31,234$30,068$25,093
5 years$27,769$26,443$25,185$23,991$22,858$18,129
6 years$22,909$21,593$20,353$19,186$18,086$13,609
7 years$19,439$18,134$16,914$15,774$14,709$10,481
8 years$16,837$15,544$14,344$13,232$12,203$8,219
9 years$14,815$13,534$12,355$11,271$10,276$6,532
10 years$13,198$11,929$10,771$9,716$8,756$5,244
11 years$11,876$10,620$9,483$8,455$7,530$4,242
12 years$10,775$9,532$8,416$7,417$6,526$3,453
13 years$9,844$8,614$7,519$6,548$5,691$2,824
14 years$9,047$7,830$6,756$5,812$4,988$2,318
15 years$8,357$7,153$6,099$5,184$4,392$1,909
16 years$7,753$6,563$5,530$4,641$3,882$1,576
17 years$7,221$6,044$5,032$4,170$3,442$1,304
18 years$6,749$5,585$4,594$3,758$3,060$1,081
19 years$6,327$5,176$4,205$3,396$2,728$897
20 years$5,948$4,810$3,859$3,076$2,436$745
21 years$5,605$4,480$3,550$2,791$2,180$619
22 years$5,294$4,182$3,272$2,538$1,954$516
23 years$5,010$3,911$3,021$2,311$1,754$429
24 years$4,750$3,665$2,794$2,108$1,577$358
25 years$4,512$3,439$2,588$1,925$1,419$298
26 years$4,292$3,232$2,400$1,760$1,278$249
27 years$4,089$3,042$2,229$1,611$1,152$207
28 years$3,900$2,866$2,072$1,476$1,040$173
29 years$3,725$2,704$1,928$1,354$939$144
30 years$3,562$2,554$1,796$1,242$848$121
31 years$3,410$2,414$1,674$1,141$767$101
32 years$3,268$2,284$1,562$1,049$694$84
33 years$3,134$2,163$1,458$964$628$70
34 years$3,009$2,050$1,363$887$568$59
35 years$2,891$1,945$1,274$817$515$49
36 years$2,779$1,846$1,192$752$467$41
37 years$2,674$1,753$1,116$693$423$34
38 years$2,575$1,666$1,045$639$383$28
39 years$2,481$1,584$979$589$348$24
40 years$2,393$1,507$917$543$315$20
41 years$2,308$1,435$860$501$286$17
42 years$2,228$1,366$807$463$260$14
43 years$2,152$1,302$757$427$236$12
44 years$2,079$1,241$711$394$214$10
45 years$2,010$1,183$667$364$194$8
46 years$1,944$1,129$627$336$176$7
47 years$1,881$1,077$589$311$160$6
48 years$1,821$1,028$553$287$145$5
49 years$1,764$982$520$265$132$4
50 years$1,709$938$489$245$120$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 42 starting with $1,750,000, adding $6,107 every year, while hoping to spend $56,347 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: 41/43/16 Blend
41$1,750,000$1,750,000$1,750,000$1,750,000
42$1,934,799$1,842,049$1,814,924$2,004,760
43$2,072,196$1,872,357$1,815,772$2,085,172
44$2,221,719$1,902,261$1,814,759$2,166,179
45$2,384,545$1,931,683$1,811,764$2,252,656
46$2,561,970$1,960,537$1,806,659$2,345,128
47$2,755,419$1,988,732$1,799,311$2,444,177
48$2,966,463$2,016,170$1,789,579$2,550,444
49$3,196,828$2,042,748$1,777,315$2,664,638
50$3,448,415$2,068,353$1,762,366$2,787,544
51$3,723,317$2,092,867$1,744,569$2,920,025
52$4,023,840$2,116,161$1,723,756$3,063,038
53$4,352,519$2,138,101$1,699,750$3,217,638
54$4,712,148$2,158,540$1,672,363$3,384,993
55$5,105,803$2,177,324$1,641,403$3,566,389
56$5,536,871$2,194,289$1,606,666$3,763,249
57$6,009,081$2,209,259$1,567,939$3,977,144
58$6,526,541$2,222,046$1,524,999$4,209,810
59$7,093,776$2,232,454$1,477,614$4,463,162
60$7,715,766$2,240,269$1,425,539$4,739,315
61$8,398,000$2,245,268$1,368,520$5,040,606
62$9,146,521$2,247,211$1,306,291$5,369,615
63$9,967,987$2,245,845$1,238,572$5,729,188
64$10,869,730$2,240,901$1,165,074$6,122,469
65$11,859,830$2,232,092$1,085,491$6,552,930
66$12,947,183$2,219,115$999,505$7,024,401
67$14,141,593$2,201,648$906,785$7,541,111
68$15,453,856$2,179,350$806,984$8,107,728
69$16,895,870$2,151,859$699,738$8,729,405
70$18,480,740$2,118,791$584,670$9,411,825
71$20,222,903$2,079,740$461,385$10,161,266
72$22,138,266$2,034,274$329,468$10,984,651
73$24,244,355$1,981,939$188,491$11,889,621
74$26,560,475$1,922,250$38,002$12,884,609
75$29,107,901$1,854,698$0$13,978,918
76$31,910,070$1,778,741$0$15,203,743
77$34,992,804$1,693,806$0$16,557,762
78$38,384,556$1,599,288$0$18,047,063
79$42,116,675$1,494,548$0$19,685,520
80$46,223,702$1,378,907$0$21,488,435
81$50,743,697$1,251,651$0$23,472,680
82$55,718,594$1,112,022$0$25,656,860
83$61,194,601$959,221$0$28,061,490
84$67,222,630$792,403$0$30,709,194
85$73,858,784$610,676$0$33,624,915
86$81,164,877$413,096$0$36,836,157
87$89,209,025$198,669$0$40,373,247
88$98,066,285$0$0$44,269,621
89$107,819,360$0$0$48,578,071
90$118,559,384$0$0$53,426,317
91$130,386,777$0$0$58,765,722
92$143,412,197$0$0$64,646,280
93$157,757,576$0$0$71,123,077
94$173,557,281$0$0$78,256,819
95$190,959,371$0$0$86,114,396
96$210,127,001$0$0$94,769,522
97$231,239,956$0$0$104,303,420
98$254,496,353$0$0$114,805,600
99$280,114,506$0$0$126,374,694
100$308,334,984$0$0$139,119,391