Can I retire at age 43 with 1,570,000?

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 $1,570,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$129,649$128,494$127,368$126,268$125,194$123,681
2 years$64,183$62,987$61,829$60,706$59,616$58,093
3 years$42,363$41,163$40,007$38,895$37,823$36,338
4 years$31,456$30,259$29,115$28,021$26,976$25,540
5 years$24,913$23,724$22,595$21,523$20,506$19,124
6 years$20,553$19,372$18,260$17,212$16,226$14,898
7 years$17,439$16,269$15,174$14,151$13,196$11,924
8 years$15,105$13,945$12,869$11,871$10,947$9,730
9 years$13,291$12,142$11,084$10,111$9,219$8,057
10 years$11,840$10,702$9,663$8,716$7,855$6,747
11 years$10,654$9,528$8,507$7,586$6,756$5,701
12 years$9,667$8,552$7,550$6,654$5,854$4,851
13 years$8,831$7,728$6,745$5,874$5,105$4,153
14 years$8,116$7,025$6,061$5,214$4,475$3,572
15 years$7,497$6,417$5,472$4,650$3,940$3,085
16 years$6,956$5,888$4,961$4,164$3,482$2,673
17 years$6,479$5,422$4,515$3,741$3,088$2,323
18 years$6,055$5,010$4,121$3,372$2,746$2,024
19 years$5,676$4,644$3,773$3,047$2,447$1,767
20 years$5,336$4,315$3,462$2,759$2,186$1,546
21 years$5,028$4,019$3,185$2,504$1,956$1,354
22 years$4,749$3,752$2,935$2,277$1,753$1,188
23 years$4,495$3,509$2,710$2,074$1,574$1,043
24 years$4,262$3,288$2,506$1,891$1,415$917
25 years$4,048$3,085$2,321$1,727$1,273$807
26 years$3,850$2,900$2,153$1,579$1,147$711
27 years$3,668$2,729$1,999$1,446$1,034$626
28 years$3,499$2,572$1,859$1,324$933$552
29 years$3,342$2,426$1,730$1,215$842$487
30 years$3,196$2,291$1,611$1,115$761$430
31 years$3,059$2,166$1,502$1,024$688$380
32 years$2,931$2,049$1,401$941$622$336
33 years$2,812$1,941$1,308$865$563$296
34 years$2,699$1,839$1,223$796$510$262
35 years$2,593$1,745$1,143$733$462$232
36 years$2,494$1,656$1,069$675$419$205
37 years$2,399$1,573$1,001$622$379$181
38 years$2,310$1,495$937$573$344$160
39 years$2,226$1,421$878$528$312$142
40 years$2,146$1,352$823$487$283$125
41 years$2,071$1,287$772$450$257$111
42 years$1,999$1,226$724$415$233$98
43 years$1,930$1,168$679$383$211$87
44 years$1,865$1,113$638$354$192$77
45 years$1,803$1,062$599$327$174$68
46 years$1,744$1,013$562$302$158$60
47 years$1,688$967$528$279$144$53
48 years$1,634$923$496$258$130$47
49 years$1,582$881$467$238$118$42
50 years$1,533$842$439$220$108$37

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,570,000, adding $3,688 every year, while hoping to spend $21,222 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: 36/44/20 Blend
42$1,570,000$1,570,000$1,570,000$1,570,000
43$1,733,944$1,650,734$1,626,399$1,785,733
44$1,888,226$1,709,040$1,658,304$1,882,160
45$2,057,534$1,769,492$1,690,565$1,983,945
46$2,243,378$1,832,172$1,723,174$2,093,391
47$2,447,420$1,897,167$1,756,119$2,211,197
48$2,671,495$1,964,565$1,789,386$2,338,127
49$2,917,620$2,034,461$1,822,963$2,475,024
50$3,188,019$2,106,952$1,856,834$2,622,810
51$3,485,142$2,182,137$1,890,983$2,782,502
52$3,811,688$2,260,123$1,925,393$2,955,214
53$4,170,629$2,341,019$1,960,043$3,142,174
54$4,565,243$2,424,939$1,994,914$3,344,727
55$4,999,138$2,512,000$2,029,983$3,564,358
56$5,476,289$2,602,327$2,065,227$3,802,695
57$6,001,077$2,696,049$2,100,619$4,061,529
58$6,578,330$2,793,298$2,136,132$4,342,833
59$7,213,364$2,894,214$2,171,737$4,648,774
60$7,912,039$2,998,942$2,207,403$4,981,736
61$8,680,811$3,107,634$2,243,095$5,344,345
62$9,526,793$3,220,447$2,278,777$5,739,486
63$10,457,821$3,337,545$2,314,412$6,170,338
64$11,482,533$3,459,098$2,349,958$6,640,396
65$12,610,442$3,585,285$2,385,373$7,153,509
66$13,852,034$3,716,291$2,420,609$7,713,913
67$15,218,861$3,852,308$2,455,619$8,326,269
68$16,723,652$3,993,539$2,490,350$8,995,709
69$18,380,436$4,140,194$2,524,748$9,727,885
70$20,204,666$4,292,489$2,558,753$10,529,017
71$22,213,375$4,450,655$2,592,305$11,405,954
72$24,425,330$4,614,927$2,625,337$12,366,236
73$26,861,208$4,785,553$2,657,780$13,418,168
74$29,543,798$4,962,792$2,689,563$14,570,895
75$32,498,209$5,146,911$2,720,606$15,834,485
76$35,752,109$5,338,193$2,750,829$17,220,028
77$39,335,988$5,536,928$2,780,146$18,739,737
78$43,283,443$5,743,422$2,808,465$20,407,063
79$47,631,497$5,957,993$2,835,692$22,236,820
80$52,420,946$6,180,971$2,861,724$24,245,326
81$57,696,747$6,412,703$2,886,456$26,450,554
82$63,508,439$6,653,549$2,909,776$28,872,299
83$69,910,612$6,903,886$2,931,566$31,532,369
84$76,963,423$7,164,104$2,951,702$34,454,783
85$84,733,161$7,434,614$2,970,053$37,666,003
86$93,292,876$7,715,843$2,986,482$41,195,178
87$102,723,065$8,008,235$3,000,845$45,074,418
88$113,112,434$8,312,255$3,012,990$49,339,097
89$124,558,735$8,628,388$3,022,757$54,028,188
90$137,169,686$8,957,139$3,029,980$59,184,623
91$151,063,993$9,299,038$3,034,483$64,855,702
92$166,372,463$9,654,633$3,036,081$71,093,536
93$183,239,245$10,024,502$3,034,581$77,955,537
94$201,823,188$10,409,242$3,029,779$85,504,958
95$222,299,340$10,809,482$3,021,464$93,811,491
96$244,860,600$11,225,874$3,009,410$102,951,917
97$269,719,541$11,659,101$2,993,385$113,010,836
98$297,110,413$12,109,875$2,973,142$124,081,457
99$327,291,357$12,578,942$2,948,424$136,266,481
100$360,546,842$13,067,076$2,918,963$149,679,065