Can I retire at age 43 with 1,800,000?

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 $1,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$148,642$147,318$146,027$144,766$143,535$139,555
2 years$73,585$72,215$70,887$69,599$68,350$64,371
3 years$48,570$47,193$45,868$44,593$43,364$39,509
4 years$36,064$34,692$33,380$32,127$30,928$27,227
5 years$28,563$27,199$25,905$24,676$23,511$19,974
6 years$23,564$22,210$20,935$19,734$18,603$15,234
7 years$19,994$18,652$17,397$16,224$15,129$11,928
8 years$17,318$15,988$14,754$13,610$12,551$9,516
9 years$15,238$13,921$12,708$11,593$10,570$7,698
10 years$13,575$12,270$11,079$9,993$9,006$6,294
11 years$12,215$10,924$9,754$8,697$7,746$5,188
12 years$11,083$9,804$8,656$7,628$6,712$4,305
13 years$10,125$8,860$7,734$6,735$5,853$3,591
14 years$9,305$8,054$6,949$5,978$5,131$3,008
15 years$8,595$7,357$6,274$5,332$4,518$2,529
16 years$7,975$6,750$5,688$4,774$3,993$2,132
17 years$7,428$6,217$5,176$4,289$3,540$1,802
18 years$6,942$5,744$4,725$3,866$3,148$1,526
19 years$6,508$5,324$4,325$3,493$2,806$1,294
20 years$6,118$4,947$3,970$3,163$2,506$1,099
21 years$5,765$4,608$3,651$2,871$2,243$935
22 years$5,445$4,302$3,365$2,610$2,010$796
23 years$5,153$4,023$3,107$2,377$1,804$678
24 years$4,886$3,769$2,874$2,168$1,622$578
25 years$4,641$3,537$2,662$1,980$1,459$493
26 years$4,415$3,325$2,468$1,811$1,315$421
27 years$4,206$3,129$2,292$1,657$1,185$360
28 years$4,012$2,948$2,131$1,518$1,069$307
29 years$3,832$2,781$1,983$1,392$966$262
30 years$3,664$2,627$1,847$1,278$873$224
31 years$3,507$2,483$1,722$1,174$789$192
32 years$3,361$2,350$1,607$1,079$714$164
33 years$3,224$2,225$1,500$992$646$140
34 years$3,095$2,109$1,402$913$585$120
35 years$2,973$2,000$1,310$840$530$103
36 years$2,859$1,898$1,226$774$480$88
37 years$2,751$1,803$1,147$713$435$75
38 years$2,649$1,714$1,074$657$394$64
39 years$2,552$1,629$1,007$606$358$55
40 years$2,461$1,550$944$559$324$47
41 years$2,374$1,476$885$516$294$40
42 years$2,292$1,405$830$476$267$35
43 years$2,213$1,339$779$439$242$30
44 years$2,139$1,276$731$406$220$25
45 years$2,068$1,217$686$375$200$22
46 years$2,000$1,161$645$346$181$19
47 years$1,935$1,108$606$320$165$16
48 years$1,873$1,058$569$295$149$14
49 years$1,814$1,010$535$273$136$12
50 years$1,757$965$503$252$123$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,800,000, adding $3,751 every year, while hoping to spend $35,448 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: 45/47/8 Blend
42$1,800,000$1,800,000$1,800,000$1,800,000
43$1,987,469$1,892,069$1,864,169$2,072,285
44$2,152,475$1,947,064$1,888,902$2,186,249
45$2,333,123$2,003,566$1,913,276$2,305,789
46$2,530,971$2,061,611$1,937,241$2,434,589
47$2,747,736$2,121,235$1,960,745$2,573,514
48$2,985,307$2,182,478$1,983,731$2,723,514
49$3,245,766$2,245,377$2,006,144$2,885,635
50$3,531,403$2,309,970$2,027,919$3,061,029
51$3,844,745$2,376,297$2,048,993$3,250,961
52$4,188,572$2,444,398$2,069,297$3,456,825
53$4,565,946$2,514,313$2,088,758$3,680,153
54$4,980,242$2,586,084$2,107,301$3,922,633
55$5,435,176$2,659,751$2,124,845$4,186,122
56$5,934,842$2,735,357$2,141,305$4,472,663
57$6,483,750$2,812,944$2,156,593$4,784,507
58$7,086,869$2,892,555$2,170,615$5,124,130
59$7,749,672$2,974,232$2,183,273$5,494,262
60$8,478,189$3,058,020$2,194,463$5,897,904
61$9,279,063$3,143,962$2,204,077$6,338,364
62$10,159,614$3,232,102$2,212,000$6,819,284
63$11,127,904$3,322,485$2,218,112$7,344,675
64$12,192,818$3,415,155$2,222,287$7,918,953
65$13,364,145$3,510,157$2,224,392$8,546,985
66$14,652,668$3,607,535$2,224,290$9,234,129
67$16,070,270$3,707,334$2,221,833$9,986,287
68$17,630,043$3,809,599$2,216,870$10,809,961
69$19,346,412$3,914,373$2,209,239$11,712,313
70$21,235,270$4,021,702$2,198,774$12,701,234
71$23,314,131$4,131,629$2,185,296$13,785,415
72$25,602,292$4,244,198$2,168,622$14,974,431
73$28,121,013$4,359,451$2,148,559$16,278,832
74$30,893,723$4,477,431$2,124,903$17,710,241
75$33,946,238$4,598,180$2,097,442$19,281,461
76$37,307,001$4,721,739$2,065,953$21,006,600
77$41,007,358$4,848,146$2,030,205$22,901,203
78$45,081,844$4,977,441$1,989,953$24,982,396
79$49,568,518$5,109,661$1,944,942$27,269,049
80$54,509,315$5,244,843$1,894,905$29,781,954
81$59,950,444$5,383,019$1,839,564$32,544,019
82$65,942,826$5,524,224$1,778,626$35,580,489
83$72,542,570$5,668,487$1,711,786$38,919,178
84$79,811,506$5,815,836$1,638,724$42,590,735
85$87,817,765$5,966,297$1,559,107$46,628,933
86$96,636,425$6,119,894$1,472,585$51,070,984
87$106,350,218$6,276,647$1,378,795$55,957,896
88$117,050,310$6,436,572$1,277,354$61,334,855
89$128,837,161$6,599,683$1,167,864$67,251,654
90$141,821,473$6,765,990$1,049,910$73,763,159
91$156,125,238$6,935,497$923,056$80,929,835
92$171,882,882$7,108,207$786,848$88,818,306
93$189,242,542$7,284,115$640,814$97,501,992
94$208,367,457$7,463,212$484,456$107,061,798
95$229,437,511$7,645,484$317,260$117,586,881
96$252,650,934$7,830,908$138,684$129,175,486
97$278,226,165$8,019,459$0$141,935,879
98$306,403,922$8,211,101$0$155,991,795
99$337,449,469$8,405,792$0$171,483,201
100$371,655,121$8,603,482$0$188,543,178