Can I retire at age 42 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%11.5%
1 years$63,999$63,429$62,873$62,330$61,800$61,410
2 years$31,683$31,093$30,521$29,966$29,428$29,036
3 years$20,912$20,319$19,749$19,200$18,671$18,286
4 years$15,528$14,937$14,372$13,832$13,316$12,944
5 years$12,298$11,711$11,153$10,624$10,123$9,763
6 years$10,145$9,563$9,014$8,496$8,010$7,663
7 years$8,609$8,031$7,490$6,985$6,514$6,181
8 years$7,456$6,884$6,352$5,860$5,404$5,085
9 years$6,561$5,994$5,471$4,991$4,551$4,245
10 years$5,845$5,283$4,770$4,303$3,878$3,585
11 years$5,259$4,703$4,199$3,745$3,335$3,055
12 years$4,772$4,221$3,727$3,284$2,890$2,623
13 years$4,359$3,815$3,330$2,900$2,520$2,266
14 years$4,006$3,468$2,992$2,574$2,209$1,967
15 years$3,701$3,168$2,701$2,296$1,945$1,715
16 years$3,434$2,906$2,449$2,055$1,719$1,500
17 years$3,198$2,677$2,229$1,847$1,524$1,317
18 years$2,989$2,473$2,034$1,664$1,355$1,159
19 years$2,802$2,292$1,862$1,504$1,208$1,022
20 years$2,634$2,130$1,709$1,362$1,079$903
21 years$2,482$1,984$1,572$1,236$966$799
22 years$2,344$1,852$1,449$1,124$866$709
23 years$2,219$1,732$1,338$1,024$777$629
24 years$2,104$1,623$1,237$934$698$559
25 years$1,998$1,523$1,146$853$628$497
26 years$1,901$1,431$1,063$780$566$443
27 years$1,811$1,347$987$714$510$395
28 years$1,727$1,269$917$654$460$352
29 years$1,650$1,198$854$600$416$314
30 years$1,578$1,131$795$550$376$280
31 years$1,510$1,069$741$505$340$250
32 years$1,447$1,012$692$464$307$224
33 years$1,388$958$646$427$278$200
34 years$1,332$908$603$393$252$179
35 years$1,280$861$564$362$228$160
36 years$1,231$817$528$333$207$143
37 years$1,184$776$494$307$187$128
38 years$1,140$738$463$283$170$115
39 years$1,099$702$433$261$154$103
40 years$1,060$667$406$241$140$92
41 years$1,022$635$381$222$127$82
42 years$987$605$357$205$115$74
43 years$953$577$335$189$104$66
44 years$921$550$315$175$95$59
45 years$890$524$296$161$86$53
46 years$861$500$278$149$78$48
47 years$833$477$261$138$71$43
48 years$807$455$245$127$64$38
49 years$781$435$230$118$58$34
50 years$757$415$217$109$53$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 42 starting with $775,000, adding $3,289 every year, while hoping to spend $55,117 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
41$775,000$775,000$775,000$775,000
42$857,443$816,368$804,355$878,840
43$886,258$797,726$772,657$876,558
44$916,165$776,323$738,050$868,868
45$947,217$751,966$700,377$859,423
46$979,470$724,450$659,478$848,101
47$1,012,987$693,558$615,181$834,776
48$1,047,830$659,061$567,308$819,316
49$1,084,071$620,717$515,675$801,581
50$1,121,783$578,269$460,087$781,423
51$1,161,046$531,446$400,341$758,689
52$1,201,947$479,961$336,226$733,216
53$1,244,577$423,511$267,522$704,833
54$1,289,037$361,776$193,997$673,361
55$1,335,434$294,417$115,411$638,612
56$1,383,882$221,078$31,511$600,389
57$1,434,508$141,381$0$558,486
58$1,487,446$54,927$0$524,448
59$1,542,842$0$0$493,869
60$1,600,855$0$0$481,469
61$1,661,654$0$0$500,179
62$1,725,427$0$0$519,839
63$1,792,375$0$0$540,518
64$1,862,717$0$0$562,286
65$1,936,690$0$0$585,224
66$2,014,554$0$0$609,418
67$2,096,590$0$0$634,961
68$2,183,105$0$0$661,956
69$2,274,434$0$0$690,515
70$2,370,940$0$0$720,760
71$2,473,023$0$0$752,823
72$2,581,116$0$0$786,851
73$2,695,693$0$0$823,004
74$2,817,273$0$0$861,454
75$2,946,423$0$0$902,393
76$3,083,762$0$0$946,030
77$3,229,969$0$0$992,593
78$3,385,787$0$0$1,042,332
79$3,552,029$0$0$1,095,523
80$3,729,586$0$0$1,152,465
81$3,919,433$0$0$1,213,489
82$4,122,642$0$0$1,278,957
83$4,340,387$0$0$1,349,266
84$4,573,954$0$0$1,424,852
85$4,824,757$0$0$1,506,194
86$5,094,345$0$0$1,593,817
87$5,384,422$0$0$1,688,298
88$5,696,856$0$0$1,790,271
89$6,033,700$0$0$1,900,433
90$6,397,209$0$0$2,019,550
91$6,789,859$0$0$2,148,462
92$7,214,375$0$0$2,288,096
93$7,673,747$0$0$2,439,467
94$8,171,266$0$0$2,603,695
95$8,710,547$0$0$2,782,010
96$9,295,569$0$0$2,975,764
97$9,930,704$0$0$3,186,445
98$10,620,762$0$0$3,415,692
99$11,371,037$0$0$3,665,304
100$12,187,348$0$0$3,937,266