Can I retire at age 43 with 1,730,000?

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 $1,730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$142,862$141,589$140,348$139,136$137,953$134,892
2 years$70,724$69,406$68,130$66,892$65,692$62,624
3 years$46,681$45,358$44,085$42,859$41,678$38,698
4 years$34,662$33,343$32,082$30,877$29,725$26,857
5 years$27,452$26,141$24,897$23,717$22,596$19,849
6 years$22,647$21,346$20,121$18,966$17,880$15,255
7 years$19,217$17,927$16,720$15,593$14,541$12,039
8 years$16,645$15,366$14,180$13,081$12,063$9,684
9 years$14,646$13,379$12,213$11,142$10,159$7,900
10 years$13,047$11,793$10,648$9,604$8,656$6,515
11 years$11,740$10,499$9,374$8,359$7,444$5,419
12 years$10,652$9,423$8,319$7,332$6,451$4,538
13 years$9,732$8,516$7,433$6,473$5,626$3,821
14 years$8,943$7,741$6,678$5,746$4,931$3,232
15 years$8,261$7,071$6,030$5,124$4,342$2,743
16 years$7,665$6,488$5,467$4,588$3,837$2,336
17 years$7,139$5,975$4,975$4,123$3,402$1,994
18 years$6,672$5,521$4,541$3,715$3,025$1,706
19 years$6,255$5,117$4,157$3,357$2,697$1,463
20 years$5,880$4,755$3,815$3,040$2,409$1,256
21 years$5,541$4,429$3,509$2,759$2,155$1,079
22 years$5,233$4,134$3,234$2,509$1,932$929
23 years$4,953$3,867$2,986$2,285$1,734$800
24 years$4,696$3,623$2,762$2,084$1,559$690
25 years$4,460$3,400$2,558$1,903$1,403$595
26 years$4,243$3,195$2,372$1,740$1,264$514
27 years$4,042$3,007$2,203$1,593$1,139$444
28 years$3,856$2,834$2,048$1,459$1,028$383
29 years$3,683$2,673$1,906$1,338$928$331
30 years$3,522$2,525$1,775$1,228$839$287
31 years$3,371$2,387$1,655$1,128$758$248
32 years$3,230$2,258$1,544$1,037$686$214
33 years$3,098$2,139$1,442$953$621$186
34 years$2,974$2,027$1,347$877$562$161
35 years$2,858$1,922$1,259$807$509$139
36 years$2,748$1,825$1,178$744$461$120
37 years$2,644$1,733$1,103$685$418$104
38 years$2,546$1,647$1,033$632$379$90
39 years$2,453$1,566$968$582$344$78
40 years$2,365$1,490$907$537$312$68
41 years$2,282$1,418$850$496$283$59
42 years$2,203$1,351$798$457$257$51
43 years$2,127$1,287$748$422$233$44
44 years$2,055$1,227$703$390$211$38
45 years$1,987$1,170$660$360$192$33
46 years$1,922$1,116$620$333$174$29
47 years$1,860$1,065$582$307$158$25
48 years$1,800$1,017$547$284$144$21
49 years$1,743$971$514$262$130$19
50 years$1,689$927$483$242$119$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,730,000, adding $2,361 every year, while hoping to spend $49,229 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: 44/41/15 Blend
42$1,730,000$1,730,000$1,730,000$1,730,000
43$1,908,895$1,817,205$1,790,390$1,984,532
44$2,051,223$1,853,869$1,797,989$2,074,327
45$2,206,419$1,890,680$1,804,193$2,166,488
46$2,375,743$1,927,592$1,808,902$2,265,314
47$2,560,582$1,964,557$1,812,013$2,371,442
48$2,762,463$2,001,523$1,813,418$2,485,574
49$2,983,069$2,038,432$1,813,003$2,608,482
50$3,224,250$2,075,223$1,810,646$2,741,019
51$3,488,044$2,111,830$1,806,223$2,884,125
52$3,776,695$2,148,180$1,799,602$3,038,837
53$4,092,674$2,184,196$1,790,645$3,206,298
54$4,438,702$2,219,797$1,779,206$3,387,771
55$4,817,774$2,254,892$1,765,134$3,584,646
56$5,233,191$2,289,386$1,748,270$3,798,457
57$5,688,587$2,323,176$1,728,448$4,030,896
58$6,187,964$2,356,152$1,705,492$4,283,831
59$6,735,730$2,388,197$1,679,220$4,559,320
60$7,336,741$2,419,186$1,649,440$4,859,633
61$7,996,345$2,448,982$1,615,953$5,187,275
62$8,720,434$2,477,444$1,578,548$5,545,009
63$9,515,495$2,504,416$1,537,007$5,935,881
64$10,388,679$2,529,736$1,491,100$6,363,252
65$11,347,860$2,553,228$1,440,587$6,830,827
66$12,401,712$2,574,707$1,385,218$7,342,695
67$13,559,793$2,593,974$1,324,729$7,903,363
68$14,832,632$2,610,818$1,258,847$8,517,803
69$16,231,826$2,625,014$1,187,284$9,191,500
70$17,770,156$2,636,323$1,109,741$9,930,498
71$19,461,699$2,644,491$1,025,906$10,741,469
72$21,321,969$2,649,247$935,450$11,631,766
73$23,368,054$2,650,304$838,031$12,609,499
74$25,618,783$2,647,357$733,294$13,683,613
75$28,094,904$2,640,082$620,864$14,863,968
76$30,819,274$2,628,136$500,352$16,161,442
77$33,817,078$2,611,152$371,352$17,588,027
78$37,116,066$2,588,746$233,438$19,156,944
79$40,746,815$2,560,504$86,169$20,882,777
80$44,743,015$2,525,994$0$22,781,601
81$49,141,789$2,484,754$0$24,882,507
82$53,984,039$2,436,295$0$27,209,134
83$59,314,838$2,380,099$0$29,769,306
84$65,183,847$2,315,620$0$32,586,869
85$71,645,790$2,242,276$0$35,688,107
86$78,760,967$2,159,454$0$39,101,993
87$86,595,822$2,066,504$0$42,860,464
88$95,223,572$1,962,738$0$46,998,726
89$104,724,893$1,847,430$0$51,555,585
90$115,188,688$1,719,809$0$56,573,815
91$126,712,918$1,579,064$0$62,100,566
92$139,405,532$1,424,334$0$68,187,810
93$153,385,481$1,254,711$0$74,892,833
94$168,783,843$1,069,235$0$82,278,778
95$185,745,059$866,892$0$90,415,245
96$204,428,294$646,609$0$99,378,949
97$225,008,943$407,256$0$109,254,447
98$247,680,281$147,637$0$120,134,939
99$272,655,288$0$0$132,123,154
100$300,168,662$0$0$145,392,550