Can I retire at age 43 with 1,750,000?

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$144,513$143,226$141,970$140,744$139,547$134,117
2 years$71,541$70,209$68,918$67,666$66,451$61,045
3 years$47,220$45,882$44,594$43,354$42,159$36,949
4 years$35,062$33,728$32,453$31,234$30,068$25,093
5 years$27,769$26,443$25,185$23,991$22,858$18,129
6 years$22,909$21,593$20,353$19,186$18,086$13,609
7 years$19,439$18,134$16,914$15,774$14,709$10,481
8 years$16,837$15,544$14,344$13,232$12,203$8,219
9 years$14,815$13,534$12,355$11,271$10,276$6,532
10 years$13,198$11,929$10,771$9,716$8,756$5,244
11 years$11,876$10,620$9,483$8,455$7,530$4,242
12 years$10,775$9,532$8,416$7,417$6,526$3,453
13 years$9,844$8,614$7,519$6,548$5,691$2,824
14 years$9,047$7,830$6,756$5,812$4,988$2,318
15 years$8,357$7,153$6,099$5,184$4,392$1,909
16 years$7,753$6,563$5,530$4,641$3,882$1,576
17 years$7,221$6,044$5,032$4,170$3,442$1,304
18 years$6,749$5,585$4,594$3,758$3,060$1,081
19 years$6,327$5,176$4,205$3,396$2,728$897
20 years$5,948$4,810$3,859$3,076$2,436$745
21 years$5,605$4,480$3,550$2,791$2,180$619
22 years$5,294$4,182$3,272$2,538$1,954$516
23 years$5,010$3,911$3,021$2,311$1,754$429
24 years$4,750$3,665$2,794$2,108$1,577$358
25 years$4,512$3,439$2,588$1,925$1,419$298
26 years$4,292$3,232$2,400$1,760$1,278$249
27 years$4,089$3,042$2,229$1,611$1,152$207
28 years$3,900$2,866$2,072$1,476$1,040$173
29 years$3,725$2,704$1,928$1,354$939$144
30 years$3,562$2,554$1,796$1,242$848$121
31 years$3,410$2,414$1,674$1,141$767$101
32 years$3,268$2,284$1,562$1,049$694$84
33 years$3,134$2,163$1,458$964$628$70
34 years$3,009$2,050$1,363$887$568$59
35 years$2,891$1,945$1,274$817$515$49
36 years$2,779$1,846$1,192$752$467$41
37 years$2,674$1,753$1,116$693$423$34
38 years$2,575$1,666$1,045$639$383$28
39 years$2,481$1,584$979$589$348$24
40 years$2,393$1,507$917$543$315$20
41 years$2,308$1,435$860$501$286$17
42 years$2,228$1,366$807$463$260$14
43 years$2,152$1,302$757$427$236$12
44 years$2,079$1,241$711$394$214$10
45 years$2,010$1,183$667$364$194$8
46 years$1,944$1,129$627$336$176$7
47 years$1,881$1,077$589$311$160$6
48 years$1,821$1,028$553$287$145$5
49 years$1,764$982$520$265$132$4
50 years$1,709$938$489$245$120$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,750,000, adding $5,678 every year, while hoping to spend $47,446 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: 34/48/18 Blend
42$1,750,000$1,750,000$1,750,000$1,750,000
43$1,934,357$1,841,607$1,814,482$1,989,223
44$2,081,179$1,881,363$1,824,785$2,069,787
45$2,241,387$1,921,478$1,833,843$2,151,800
46$2,416,296$1,961,918$1,841,564$2,239,239
47$2,607,353$2,002,647$1,847,852$2,332,610
48$2,816,154$2,043,627$1,852,605$2,432,474
49$3,044,451$2,084,815$1,855,717$2,539,446
50$3,294,178$2,126,163$1,857,077$2,654,206
51$3,567,462$2,167,623$1,856,566$2,777,504
52$3,866,645$2,209,138$1,854,063$2,910,167
53$4,194,307$2,250,650$1,849,438$3,053,108
54$4,553,288$2,292,094$1,842,556$3,207,333
55$4,946,716$2,333,399$1,833,275$3,373,954
56$5,378,038$2,374,493$1,821,446$3,554,196
57$5,851,047$2,415,292$1,806,914$3,749,411
58$6,369,923$2,455,711$1,789,515$3,961,091
59$6,939,270$2,495,655$1,769,078$4,190,883
60$7,564,158$2,535,025$1,745,425$4,440,602
61$8,250,173$2,573,712$1,718,367$4,712,252
62$9,003,467$2,611,600$1,687,709$5,008,043
63$9,830,818$2,648,566$1,653,245$5,330,415
64$10,739,693$2,684,477$1,614,760$5,682,059
65$11,738,315$2,719,190$1,572,028$6,065,942
66$12,835,748$2,752,555$1,524,815$6,485,341
67$14,041,972$2,784,408$1,472,874$6,943,867
68$15,367,986$2,814,576$1,415,948$7,445,507
69$16,825,905$2,842,876$1,353,768$7,994,657
70$18,429,080$2,869,109$1,286,051$8,596,168
71$20,192,217$2,893,066$1,212,505$9,255,390
72$22,131,520$2,914,524$1,132,821$9,978,225
73$24,264,843$2,933,243$1,046,678$10,771,182
74$26,611,855$2,948,970$953,740$11,641,441
75$29,194,231$2,961,436$853,657$12,596,923
76$32,035,850$2,970,354$746,062$13,646,362
77$35,163,024$2,975,419$630,572$14,799,393
78$38,604,744$2,976,306$506,788$16,066,641
79$42,392,956$2,972,673$374,293$17,459,823
80$46,562,857$2,964,153$232,651$18,991,864
81$51,153,230$2,950,359$81,407$20,677,016
82$56,206,813$2,930,879$0$22,530,995
83$61,770,693$2,905,277$0$24,586,498
84$67,896,758$2,873,091$0$26,864,957
85$74,642,185$2,833,829$0$29,371,894
86$82,069,973$2,786,972$0$32,130,654
87$90,249,546$2,731,970$0$35,166,969
88$99,257,401$2,668,237$0$38,509,206
89$109,177,832$2,595,158$0$42,188,638
90$120,103,728$2,512,077$0$46,239,738
91$132,137,442$2,418,302$0$50,700,506
92$145,391,763$2,313,102$0$55,612,832
93$159,990,979$2,195,700$0$61,022,894
94$176,072,046$2,065,277$0$66,981,592
95$193,785,885$1,920,965$0$73,545,037
96$213,298,802$1,761,849$0$80,775,076
97$234,794,059$1,586,959$0$88,739,887
98$258,473,604$1,395,271$0$97,514,618
99$284,559,975$1,185,703$0$107,182,104
100$313,298,401$957,111$0$117,833,650