Can I retire at age 43 with 1,700,000?

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 $1,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$140,384$139,134$137,914$136,723$135,560$132,987
2 years$69,497$68,203$66,949$65,732$64,553$61,970
3 years$45,871$44,571$43,320$42,115$40,955$38,443
4 years$34,061$32,765$31,526$30,342$29,209$26,788
5 years$26,976$25,688$24,465$23,305$22,204$19,881
6 years$22,255$20,976$19,772$18,637$17,570$15,346
7 years$18,883$17,616$16,430$15,323$14,289$12,166
8 years$16,356$15,100$13,934$12,854$11,854$9,831
9 years$14,392$13,147$12,002$10,949$9,983$8,059
10 years$12,821$11,589$10,463$9,438$8,506$6,679
11 years$11,537$10,317$9,212$8,214$7,315$5,583
12 years$10,467$9,260$8,175$7,205$6,339$4,700
13 years$9,563$8,368$7,304$6,361$5,528$3,978
14 years$8,788$7,606$6,563$5,646$4,846$3,383
15 years$8,118$6,949$5,925$5,035$4,267$2,888
16 years$7,532$6,375$5,372$4,509$3,771$2,473
17 years$7,015$5,871$4,888$4,051$3,343$2,124
18 years$6,556$5,425$4,462$3,651$2,973$1,828
19 years$6,146$5,028$4,085$3,299$2,650$1,576
20 years$5,778$4,672$3,749$2,988$2,367$1,361
21 years$5,445$4,352$3,448$2,712$2,118$1,177
22 years$5,142$4,063$3,178$2,465$1,899$1,019
23 years$4,867$3,800$2,935$2,245$1,704$884
24 years$4,615$3,560$2,714$2,048$1,532$767
25 years$4,383$3,341$2,514$1,870$1,378$666
26 years$4,169$3,140$2,331$1,710$1,242$578
27 years$3,972$2,955$2,165$1,565$1,119$503
28 years$3,789$2,784$2,013$1,434$1,010$437
29 years$3,619$2,627$1,873$1,315$912$380
30 years$3,460$2,481$1,744$1,207$824$331
31 years$3,313$2,345$1,626$1,108$745$288
32 years$3,174$2,219$1,517$1,019$674$251
33 years$3,044$2,101$1,417$937$610$219
34 years$2,923$1,992$1,324$862$552$191
35 years$2,808$1,889$1,238$793$500$166
36 years$2,700$1,793$1,158$731$453$145
37 years$2,598$1,703$1,084$673$411$126
38 years$2,502$1,618$1,015$621$372$110
39 years$2,411$1,539$951$572$338$96
40 years$2,324$1,464$891$528$306$84
41 years$2,242$1,394$836$487$278$73
42 years$2,164$1,327$784$449$252$64
43 years$2,090$1,265$736$415$229$56
44 years$2,020$1,206$690$383$208$48
45 years$1,953$1,150$648$354$189$42
46 years$1,889$1,097$609$327$171$37
47 years$1,828$1,047$572$302$155$32
48 years$1,769$999$538$279$141$28
49 years$1,713$954$505$258$128$24
50 years$1,660$911$475$238$116$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,700,000, adding $6,032 every year, while hoping to spend $39,177 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: 51/34/15 Blend
42$1,700,000$1,700,000$1,700,000$1,700,000
43$1,879,622$1,789,522$1,763,172$1,967,513
44$2,029,659$1,835,525$1,780,554$2,074,470
45$2,193,688$1,882,468$1,797,206$2,186,078
46$2,373,092$1,930,358$1,813,061$2,306,545
47$2,569,399$1,979,197$1,828,050$2,436,719
48$2,784,288$2,028,988$1,842,100$2,577,534
49$3,019,610$2,079,732$1,855,134$2,730,018
50$3,277,400$2,131,429$1,867,071$2,895,304
51$3,559,904$2,184,078$1,877,827$3,074,638
52$3,869,592$2,237,676$1,887,312$3,269,396
53$4,209,185$2,292,217$1,895,432$3,481,089
54$4,581,681$2,347,694$1,902,088$3,711,386
55$4,990,381$2,404,100$1,907,176$3,962,122
56$5,438,921$2,461,422$1,910,588$4,235,320
57$5,931,308$2,519,649$1,912,209$4,533,210
58$6,471,953$2,578,763$1,911,920$4,858,247
59$7,065,716$2,638,747$1,909,594$5,213,136
60$7,717,953$2,699,579$1,905,099$5,600,860
61$8,434,561$2,761,235$1,898,296$6,024,703
62$9,222,039$2,823,688$1,889,042$6,488,285
63$10,087,544$2,886,906$1,877,182$6,995,594
64$11,038,964$2,950,855$1,862,558$7,551,027
65$12,084,988$3,015,496$1,845,003$8,159,426
66$13,235,187$3,080,786$1,824,341$8,826,130
67$14,500,109$3,146,677$1,800,390$9,557,020
68$15,891,373$3,213,118$1,772,956$10,358,580
69$17,421,782$3,280,050$1,741,839$11,237,952
70$19,105,442$3,347,410$1,706,829$12,203,010
71$20,957,895$3,415,131$1,667,705$13,262,430
72$22,996,264$3,483,136$1,624,237$14,425,774
73$25,239,417$3,551,344$1,576,183$15,703,579
74$27,708,144$3,619,667$1,523,292$17,107,460
75$30,425,353$3,688,008$1,465,300$18,650,215
76$33,416,282$3,756,264$1,401,931$20,345,951
77$36,708,744$3,824,322$1,332,897$22,210,213
78$40,333,383$3,892,060$1,257,896$24,260,134
79$44,323,966$3,959,349$1,176,613$26,514,598
80$48,717,700$4,026,048$1,088,720$28,994,414
81$53,555,586$4,092,004$993,872$31,722,518
82$58,882,799$4,157,055$891,710$34,724,187
83$64,749,121$4,221,027$781,859$38,027,278
84$71,209,406$4,283,733$663,926$41,662,494
85$78,324,101$4,344,971$537,503$45,663,672
86$86,159,811$4,404,527$402,161$50,068,103
87$94,789,934$4,462,170$257,455$54,916,887
88$104,295,346$4,517,656$102,919$60,255,318
89$114,765,171$4,570,721$0$66,133,318
90$126,297,617$4,621,084$0$72,615,825
91$139,000,903$4,668,447$0$79,771,774
92$152,994,284$4,712,490$0$87,651,584
93$168,409,172$4,752,873$0$96,328,989
94$185,390,377$4,789,232$0$105,885,245
95$204,097,473$4,821,183$0$116,409,900
96$224,706,308$4,848,313$0$128,001,634
97$247,410,657$4,870,186$0$140,769,198
98$272,424,055$4,886,336$0$154,832,435
99$299,981,811$4,896,270$0$170,323,418
100$330,343,230$4,899,460$0$187,387,693