Can I retire at age 43 with 1,820,000?

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 $1,820,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$150,294$148,955$147,649$146,374$145,129$139,702
2 years$74,403$73,017$71,674$70,372$69,109$63,704
3 years$49,109$47,718$46,378$45,088$43,846$38,632
4 years$36,465$35,077$33,751$32,483$31,271$26,289
5 years$28,880$27,501$26,192$24,950$23,772$19,033
6 years$23,825$22,457$21,167$19,953$18,810$14,319
7 years$20,216$18,859$17,590$16,405$15,297$11,053
8 years$17,511$16,166$14,918$13,761$12,691$8,689
9 years$15,407$14,075$12,849$11,722$10,687$6,922
10 years$13,726$12,407$11,202$10,104$9,106$5,571
11 years$12,351$11,045$9,862$8,794$7,832$4,519
12 years$11,206$9,913$8,752$7,713$6,787$3,688
13 years$10,238$8,959$7,820$6,810$5,918$3,024
14 years$9,409$8,143$7,026$6,045$5,188$2,490
15 years$8,691$7,439$6,343$5,391$4,568$2,056
16 years$8,063$6,825$5,751$4,827$4,037$1,703
17 years$7,510$6,286$5,233$4,337$3,579$1,413
18 years$7,019$5,808$4,777$3,908$3,183$1,174
19 years$6,580$5,383$4,373$3,532$2,837$977
20 years$6,186$5,002$4,014$3,199$2,534$814
21 years$5,829$4,659$3,692$2,903$2,268$679
22 years$5,505$4,349$3,403$2,639$2,033$567
23 years$5,210$4,068$3,142$2,404$1,825$474
24 years$4,940$3,811$2,906$2,192$1,640$396
25 years$4,692$3,577$2,691$2,002$1,476$331
26 years$4,464$3,362$2,496$1,831$1,329$277
27 years$4,252$3,164$2,318$1,676$1,198$232
28 years$4,056$2,981$2,155$1,535$1,081$194
29 years$3,874$2,812$2,005$1,408$976$162
30 years$3,705$2,656$1,868$1,292$882$136
31 years$3,546$2,511$1,741$1,187$798$114
32 years$3,398$2,376$1,624$1,091$722$95
33 years$3,259$2,250$1,517$1,003$653$80
34 years$3,129$2,132$1,417$923$591$67
35 years$3,006$2,022$1,325$849$535$56
36 years$2,891$1,920$1,239$782$485$47
37 years$2,781$1,823$1,160$721$440$39
38 years$2,678$1,733$1,086$664$399$33
39 years$2,581$1,648$1,018$613$362$28
40 years$2,488$1,568$954$565$328$23
41 years$2,400$1,492$895$521$297$19
42 years$2,317$1,421$839$481$270$16
43 years$2,238$1,354$787$444$245$14
44 years$2,162$1,291$739$410$222$11
45 years$2,091$1,231$694$379$202$10
46 years$2,022$1,174$652$350$183$8
47 years$1,957$1,120$612$323$166$7
48 years$1,894$1,070$575$299$151$6
49 years$1,834$1,021$541$276$137$5
50 years$1,777$976$509$255$125$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,820,000, adding $3,839 every year, while hoping to spend $30,876 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: 61/23/16 Blend
42$1,820,000$1,820,000$1,820,000$1,820,000
43$2,009,600$1,913,140$1,884,930$2,123,856
44$2,181,727$1,974,032$1,915,223$2,262,167
45$2,370,377$2,036,873$1,945,497$2,409,230
46$2,577,201$2,101,726$1,975,717$2,568,990
47$2,804,021$2,168,655$2,005,848$2,742,680
48$3,052,840$2,237,728$2,035,853$2,931,658
49$3,325,867$2,309,014$2,065,692$3,137,418
50$3,625,535$2,382,585$2,095,322$3,361,606
51$3,954,522$2,458,515$2,124,698$3,606,033
52$4,315,780$2,536,879$2,153,772$3,872,694
53$4,712,560$2,617,757$2,182,494$4,163,785
54$5,148,444$2,701,230$2,210,810$4,481,725
55$5,627,377$2,787,381$2,238,664$4,829,176
56$6,153,706$2,876,299$2,265,995$5,209,072
57$6,732,218$2,968,072$2,292,741$5,624,643
58$7,368,190$3,062,794$2,318,833$6,079,446
59$8,067,434$3,160,559$2,344,203$6,577,401
60$8,836,353$3,261,467$2,368,774$7,122,823
61$9,682,002$3,365,620$2,392,469$7,720,466
62$10,612,154$3,473,123$2,415,204$8,375,568
63$11,635,373$3,584,085$2,436,893$9,093,897
64$12,761,094$3,698,619$2,457,442$9,881,808
65$13,999,715$3,816,840$2,476,756$10,746,303
66$15,362,691$3,938,870$2,494,732$11,695,093
67$16,862,643$4,064,832$2,511,263$12,736,676
68$18,513,478$4,194,854$2,526,235$13,880,414
69$20,330,519$4,329,069$2,539,531$15,136,618
70$22,330,652$4,467,614$2,551,026$16,516,652
71$24,532,481$4,610,629$2,560,587$18,033,034
72$26,956,506$4,758,261$2,568,078$19,699,559
73$29,625,315$4,910,662$2,573,354$21,531,422
74$32,563,798$5,067,986$2,576,263$23,545,369
75$35,799,384$5,230,395$2,576,646$25,759,848
76$39,362,292$5,398,055$2,574,335$28,195,189
77$43,285,825$5,571,139$2,569,154$30,873,790
78$47,606,679$5,749,825$2,560,921$33,820,331
79$52,365,289$5,934,295$2,549,441$37,062,008
80$57,606,214$6,124,741$2,534,512$40,628,784
81$63,378,552$6,321,358$2,515,923$44,553,678
82$69,736,409$6,524,349$2,493,451$48,873,073
83$76,739,405$6,733,924$2,466,863$53,627,060
84$84,453,237$6,950,299$2,435,916$58,859,813
85$92,950,302$7,173,698$2,400,354$64,620,011
86$102,310,377$7,404,354$2,359,910$70,961,294
87$112,621,373$7,642,505$2,314,305$77,942,769
88$123,980,163$7,888,398$2,263,244$85,629,569
89$136,493,500$8,142,289$2,206,423$94,093,463
90$150,279,019$8,404,443$2,143,520$103,413,542
91$165,466,351$8,675,133$2,074,199$113,676,957
92$182,198,345$8,954,640$1,998,111$124,979,744
93$200,632,417$9,243,259$1,914,889$137,427,730
94$220,942,034$9,541,289$1,824,149$151,137,535
95$243,318,353$9,849,044$1,725,489$166,237,667
96$267,972,024$10,166,846$1,618,492$182,869,738
97$295,135,179$10,495,030$1,502,720$201,189,799
98$325,063,620$10,833,939$1,377,714$221,369,816
99$358,039,239$11,183,932$1,242,997$243,599,288
100$394,372,674$11,545,377$1,098,070$268,087,039