Can I retire at age 43 with 1,770,000?

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 $1,770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$146,165$144,863$143,593$142,353$141,142$137,619
2 years$72,359$71,011$69,705$68,439$67,211$63,683
3 years$47,760$46,407$45,104$43,849$42,641$39,220
4 years$35,463$34,114$32,824$31,591$30,412$27,123
5 years$28,087$26,746$25,473$24,265$23,119$19,971
6 years$23,171$21,840$20,586$19,405$18,293$15,291
7 years$19,661$18,341$17,107$15,954$14,877$12,020
8 years$17,030$15,722$14,508$13,383$12,342$9,629
9 years$14,984$13,689$12,496$11,400$10,394$7,822
10 years$13,349$12,066$10,894$9,827$8,856$6,423
11 years$12,012$10,741$9,591$8,552$7,616$5,318
12 years$10,898$9,641$8,512$7,501$6,600$4,433
13 years$9,957$8,713$7,605$6,623$5,756$3,715
14 years$9,150$7,920$6,833$5,879$5,045$3,127
15 years$8,452$7,235$6,169$5,243$4,442$2,642
16 years$7,842$6,638$5,593$4,694$3,926$2,239
17 years$7,304$6,113$5,090$4,218$3,481$1,902
18 years$6,826$5,649$4,646$3,801$3,095$1,619
19 years$6,399$5,235$4,253$3,435$2,759$1,380
20 years$6,016$4,865$3,904$3,111$2,464$1,179
21 years$5,669$4,531$3,590$2,823$2,205$1,008
22 years$5,354$4,230$3,309$2,567$1,977$863
23 years$5,067$3,956$3,055$2,338$1,774$739
24 years$4,805$3,707$2,826$2,132$1,595$634
25 years$4,563$3,478$2,617$1,947$1,435$544
26 years$4,341$3,269$2,427$1,780$1,293$467
27 years$4,135$3,077$2,254$1,630$1,166$401
28 years$3,945$2,899$2,095$1,493$1,052$344
29 years$3,768$2,735$1,950$1,369$950$296
30 years$3,603$2,583$1,816$1,257$858$254
31 years$3,449$2,442$1,693$1,154$776$219
32 years$3,305$2,310$1,580$1,061$702$188
33 years$3,170$2,188$1,475$975$635$162
34 years$3,043$2,074$1,378$897$575$139
35 years$2,924$1,967$1,289$826$521$120
36 years$2,811$1,867$1,205$761$472$103
37 years$2,705$1,773$1,128$701$428$89
38 years$2,605$1,685$1,057$646$388$76
39 years$2,510$1,602$990$596$352$66
40 years$2,420$1,524$928$550$319$57
41 years$2,335$1,451$870$507$289$49
42 years$2,253$1,382$816$468$263$42
43 years$2,176$1,317$766$432$238$36
44 years$2,103$1,255$719$399$216$31
45 years$2,033$1,197$675$368$196$27
46 years$1,966$1,142$634$340$178$23
47 years$1,903$1,090$596$314$162$20
48 years$1,842$1,040$560$290$147$17
49 years$1,784$993$526$268$134$15
50 years$1,728$949$495$248$121$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,770,000, adding $3,221 every year, while hoping to spend $26,332 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: 40/32/28 Blend
42$1,770,000$1,770,000$1,770,000$1,770,000
43$1,953,862$1,860,052$1,832,617$2,015,749
44$2,125,139$1,923,178$1,865,993$2,124,160
45$2,313,004$1,988,514$1,899,604$2,238,687
46$2,519,121$2,056,141$1,933,431$2,362,093
47$2,745,322$2,126,143$1,967,452$2,495,208
48$2,993,627$2,198,607$2,001,644$2,638,944
49$3,266,261$2,273,622$2,035,983$2,794,304
50$3,565,672$2,351,282$2,070,441$2,962,393
51$3,894,560$2,431,685$2,104,990$3,144,425
52$4,255,899$2,514,931$2,139,601$3,341,735
53$4,652,962$2,601,124$2,174,240$3,555,792
54$5,089,360$2,690,375$2,208,872$3,788,215
55$5,569,067$2,782,796$2,243,461$4,040,782
56$6,096,462$2,878,503$2,277,968$4,315,452
57$6,676,372$2,977,620$2,312,350$4,614,382
58$7,314,111$3,080,273$2,346,564$4,939,943
59$8,015,538$3,186,593$2,380,560$5,294,749
60$8,787,104$3,296,718$2,414,291$5,681,676
61$9,635,921$3,410,790$2,447,702$6,103,890
62$10,569,822$3,528,955$2,480,737$6,564,878
63$11,597,438$3,651,369$2,513,336$7,068,478
64$12,728,281$3,778,189$2,545,437$7,618,918
65$13,972,828$3,909,583$2,576,971$8,220,855
66$15,342,626$4,045,723$2,607,870$8,879,414
67$16,850,398$4,186,787$2,638,057$9,600,243
68$18,510,162$4,332,963$2,667,455$10,389,561
69$20,337,363$4,484,443$2,695,980$11,254,217
70$22,349,023$4,641,429$2,723,544$12,201,756
71$24,563,895$4,804,131$2,750,055$13,240,490
72$27,002,646$4,972,767$2,775,415$14,379,572
73$29,688,046$5,147,563$2,799,521$15,629,086
74$32,645,187$5,328,754$2,822,266$17,000,140
75$35,901,719$5,516,585$2,843,535$18,504,973
76$39,488,109$5,711,313$2,863,208$20,157,065
77$43,437,930$5,913,201$2,881,159$21,971,267
78$47,788,176$6,122,525$2,897,255$23,963,942
79$52,579,615$6,339,574$2,911,358$26,153,115
80$57,857,167$6,564,644$2,923,320$28,558,645
81$63,670,334$6,798,048$2,932,987$31,202,413
82$70,073,664$7,040,107$2,940,198$34,108,525
83$77,127,265$7,291,160$2,944,782$37,303,541
84$84,897,376$7,551,557$2,946,562$40,816,726
85$93,456,986$7,821,661$2,945,349$44,680,321
86$102,886,529$8,101,853$2,940,949$48,929,852
87$113,274,639$8,392,528$2,933,155$53,604,463
88$124,718,987$8,694,096$2,921,750$58,747,282
89$137,327,204$9,006,988$2,906,509$64,405,833
90$151,217,896$9,331,647$2,887,195$70,632,477
91$166,521,763$9,668,540$2,863,557$77,484,911
92$183,382,833$10,018,148$2,835,337$85,026,711
93$201,959,822$10,380,977$2,802,260$93,327,928
94$222,427,629$10,757,551$2,764,042$102,465,752
95$244,978,992$11,148,416$2,720,382$112,525,238
96$269,826,302$11,554,141$2,670,968$123,600,109
97$297,203,611$11,975,319$2,615,470$135,793,639
98$327,368,838$12,412,569$2,553,547$149,219,629
99$360,606,207$12,866,533$2,484,840$164,003,476
100$397,228,930$13,337,882$2,408,971$180,283,360