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%18.8%
1 years$63,999$63,429$62,873$62,330$61,800$59,607
2 years$31,683$31,093$30,521$29,966$29,428$27,243
3 years$20,912$20,319$19,749$19,200$18,671$16,560
4 years$15,528$14,937$14,372$13,832$13,316$11,298
5 years$12,298$11,711$11,153$10,624$10,123$8,201
6 years$10,145$9,563$9,014$8,496$8,010$6,187
7 years$8,609$8,031$7,490$6,985$6,514$4,789
8 years$7,456$6,884$6,352$5,860$5,404$3,776
9 years$6,561$5,994$5,471$4,991$4,551$3,018
10 years$5,845$5,283$4,770$4,303$3,878$2,436
11 years$5,259$4,703$4,199$3,745$3,335$1,983
12 years$4,772$4,221$3,727$3,284$2,890$1,623
13 years$4,359$3,815$3,330$2,900$2,520$1,336
14 years$4,006$3,468$2,992$2,574$2,209$1,104
15 years$3,701$3,168$2,701$2,296$1,945$915
16 years$3,434$2,906$2,449$2,055$1,719$760
17 years$3,198$2,677$2,229$1,847$1,524$633
18 years$2,989$2,473$2,034$1,664$1,355$528
19 years$2,802$2,292$1,862$1,504$1,208$441
20 years$2,634$2,130$1,709$1,362$1,079$369
21 years$2,482$1,984$1,572$1,236$966$309
22 years$2,344$1,852$1,449$1,124$866$259
23 years$2,219$1,732$1,338$1,024$777$217
24 years$2,104$1,623$1,237$934$698$182
25 years$1,998$1,523$1,146$853$628$153
26 years$1,901$1,431$1,063$780$566$129
27 years$1,811$1,347$987$714$510$108
28 years$1,727$1,269$917$654$460$91
29 years$1,650$1,198$854$600$416$76
30 years$1,578$1,131$795$550$376$64
31 years$1,510$1,069$741$505$340$54
32 years$1,447$1,012$692$464$307$45
33 years$1,388$958$646$427$278$38
34 years$1,332$908$603$393$252$32
35 years$1,280$861$564$362$228$27
36 years$1,231$817$528$333$207$23
37 years$1,184$776$494$307$187$19
38 years$1,140$738$463$283$170$16
39 years$1,099$702$433$261$154$14
40 years$1,060$667$406$241$140$11
41 years$1,022$635$381$222$127$10
42 years$987$605$357$205$115$8
43 years$953$577$335$189$104$7
44 years$921$550$315$175$95$6
45 years$890$524$296$161$86$5
46 years$861$500$278$149$78$4
47 years$833$477$261$138$71$3
48 years$807$455$245$127$64$3
49 years$781$435$230$118$58$2
50 years$757$415$217$109$53$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 42 starting with $775,000, adding $2,811 every year, while hoping to spend $35,091 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: 61/30/9 Blend
41$775,000$775,000$775,000$775,000
42$856,950$815,875$803,862$907,354
43$907,022$818,516$793,455$944,093
44$961,025$820,110$781,523$979,881
45$1,019,324$820,570$767,978$1,018,052
46$1,082,318$819,801$752,728$1,058,838
47$1,150,447$817,703$735,677$1,102,492
48$1,224,193$814,171$716,723$1,149,298
49$1,304,088$809,093$695,760$1,199,566
50$1,390,715$802,349$672,679$1,253,643
51$1,484,718$793,813$647,363$1,311,909
52$1,586,801$783,352$619,691$1,374,786
53$1,697,742$770,824$589,538$1,442,740
54$1,818,395$756,078$556,771$1,516,285
55$1,949,700$738,955$521,252$1,595,991
56$2,092,693$719,286$482,837$1,682,487
57$2,248,510$696,894$441,375$1,776,468
58$2,418,405$671,589$396,708$1,878,702
59$2,603,757$643,171$348,672$1,990,037
60$2,806,083$611,429$297,095$2,111,412
61$3,027,053$576,139$241,798$2,243,863
62$3,268,507$537,065$182,593$2,388,534
63$3,532,469$493,956$119,284$2,546,689
64$3,821,169$446,547$51,668$2,719,725
65$4,137,060$394,560$0$2,909,183
66$4,482,845$337,698$0$3,118,735
67$4,861,500$275,650$0$3,353,717
68$5,276,302$208,086$0$3,611,260
69$5,730,860$134,658$0$3,893,682
70$6,229,149$54,997$0$4,203,538
71$6,775,547$0$0$4,543,649
72$7,374,874$0$0$4,927,454
73$8,032,441$0$0$5,368,537
74$8,754,098$0$0$5,852,672
75$9,546,288$0$0$6,384,189
76$10,416,109$0$0$6,967,860
77$11,371,378$0$0$7,608,939
78$12,420,709$0$0$8,313,213
79$13,573,590$0$0$9,087,061
80$14,840,472$0$0$9,937,507
81$16,232,871$0$0$10,872,291
82$17,763,473$0$0$11,899,940
83$19,446,254$0$0$13,029,846
84$21,296,612$0$0$14,272,361
85$23,331,512$0$0$15,638,887
86$25,569,645$0$0$17,141,987
87$28,031,605$0$0$18,795,503
88$30,740,082$0$0$20,614,686
89$33,720,074$0$0$22,616,340
90$36,999,128$0$0$24,818,980
91$40,607,593$0$0$27,243,006
92$44,578,909$0$0$29,910,896
93$48,949,924$0$0$32,847,418
94$53,761,238$0$0$36,079,861
95$59,057,585$0$0$39,638,297
96$64,888,261$0$0$43,555,860
97$71,307,579$0$0$47,869,059
98$78,375,390$0$0$52,618,126
99$86,157,644$0$0$57,847,390
100$94,727,007$0$0$63,605,698