Can I retire at age 43 with 1,830,000?

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 $1,830,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$151,120$149,774$148,460$147,178$145,927$144,463
2 years$74,812$73,418$72,068$70,759$69,489$68,015
3 years$49,379$47,980$46,633$45,336$44,087$42,647
4 years$36,665$35,270$33,937$32,662$31,443$30,050
5 years$29,039$27,652$26,336$25,088$23,902$22,560
6 years$23,956$22,580$21,284$20,063$18,913$17,623
7 years$20,327$18,963$17,687$16,495$15,381$14,144
8 years$17,607$16,255$15,000$13,837$12,760$11,575
9 years$15,492$14,153$12,919$11,786$10,746$9,613
10 years$13,801$12,475$11,263$10,160$9,156$8,074
11 years$12,419$11,106$9,916$8,842$7,875$6,843
12 years$11,267$9,968$8,800$7,756$6,824$5,842
13 years$10,294$9,008$7,862$6,847$5,951$5,017
14 years$9,460$8,188$7,064$6,078$5,216$4,330
15 years$8,739$7,480$6,378$5,421$4,593$3,752
16 years$8,108$6,863$5,783$4,853$4,059$3,263
17 years$7,551$6,320$5,262$4,361$3,599$2,846
18 years$7,058$5,840$4,804$3,930$3,200$2,488
19 years$6,616$5,413$4,398$3,551$2,852$2,180
20 years$6,220$5,030$4,036$3,216$2,548$1,914
21 years$5,861$4,685$3,712$2,919$2,280$1,683
22 years$5,536$4,373$3,421$2,654$2,044$1,482
23 years$5,239$4,090$3,159$2,417$1,835$1,307
24 years$4,967$3,832$2,922$2,204$1,649$1,153
25 years$4,718$3,596$2,706$2,013$1,484$1,019
26 years$4,488$3,380$2,510$1,841$1,337$901
27 years$4,276$3,181$2,330$1,685$1,205$797
28 years$4,079$2,997$2,166$1,544$1,087$706
29 years$3,896$2,828$2,016$1,416$982$625
30 years$3,725$2,670$1,878$1,299$887$554
31 years$3,566$2,524$1,751$1,193$802$491
32 years$3,417$2,389$1,633$1,097$726$436
33 years$3,277$2,262$1,525$1,008$657$387
34 years$3,146$2,144$1,425$928$594$343
35 years$3,023$2,034$1,332$854$538$305
36 years$2,906$1,930$1,246$787$488$270
37 years$2,797$1,833$1,167$725$442$240
38 years$2,693$1,742$1,092$668$401$213
39 years$2,595$1,657$1,023$616$364$190
40 years$2,502$1,576$959$568$330$168
41 years$2,414$1,500$899$524$299$150
42 years$2,330$1,429$844$484$271$133
43 years$2,250$1,361$792$447$246$118
44 years$2,174$1,298$743$412$224$105
45 years$2,102$1,237$698$381$203$94
46 years$2,033$1,181$655$352$184$83
47 years$1,967$1,127$616$325$167$74
48 years$1,904$1,075$579$300$152$66
49 years$1,844$1,027$544$278$138$58
50 years$1,787$981$511$257$125$52

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,830,000, adding $3,554 every year, while hoping to spend $50,967 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: 67/24/9 Blend
42$1,830,000$1,830,000$1,830,000$1,830,000
43$2,020,326$1,923,336$1,894,971$2,151,863
44$2,172,171$1,963,351$1,904,224$2,279,722
45$2,337,795$2,003,618$1,912,079$2,413,020
46$2,518,552$2,044,097$1,918,435$2,557,408
47$2,715,928$2,084,742$1,923,186$2,713,965
48$2,931,562$2,125,503$1,926,222$2,883,876
49$3,167,256$2,166,328$1,927,426$3,068,449
50$3,424,997$2,207,158$1,926,675$3,269,125
51$3,706,969$2,247,932$1,923,841$3,487,489
52$4,015,581$2,288,581$1,918,791$3,725,290
53$4,353,481$2,329,033$1,911,381$3,984,452
54$4,723,590$2,369,209$1,901,466$4,267,098
55$5,129,119$2,409,024$1,888,889$4,575,565
56$5,573,611$2,448,387$1,873,487$4,912,428
57$6,060,962$2,487,201$1,855,092$5,280,525
58$6,595,466$2,525,360$1,833,524$5,682,984
59$7,181,853$2,562,752$1,808,596$6,123,251
60$7,825,331$2,599,256$1,780,113$6,605,124
61$8,531,638$2,634,743$1,747,871$7,132,787
62$9,307,095$2,669,075$1,711,654$7,710,853
63$10,158,663$2,702,103$1,671,238$8,344,404
64$11,094,011$2,733,671$1,626,389$9,039,041
65$12,121,589$2,763,610$1,576,862$9,800,937
66$13,250,703$2,791,739$1,522,399$10,636,895
67$14,491,607$2,817,866$1,462,732$11,554,413
68$15,855,598$2,841,788$1,397,580$12,561,754
69$17,355,119$2,863,287$1,326,650$13,668,025
70$19,003,883$2,882,129$1,249,634$14,883,261
71$20,816,995$2,898,069$1,166,212$16,218,526
72$22,811,097$2,910,844$1,076,050$17,686,009
73$25,004,528$2,920,174$978,796$19,299,148
74$27,417,489$2,925,762$874,085$21,072,750
75$30,072,241$2,927,292$761,535$23,023,136
76$32,993,310$2,924,430$640,747$25,168,294
77$36,207,720$2,916,819$511,304$27,528,048
78$39,745,245$2,904,081$372,771$30,124,247
79$43,638,695$2,885,817$224,694$32,980,973
80$47,924,220$2,861,599$66,598$36,124,765
81$52,641,650$2,830,977$0$39,584,874
82$57,834,877$2,793,474$0$43,403,344
83$63,552,262$2,748,582$0$47,613,361
84$69,847,095$2,695,764$0$52,247,734
85$76,778,095$2,634,453$0$57,349,673
86$84,409,964$2,564,044$0$62,966,801
87$92,813,999$2,483,902$0$69,151,598
88$102,068,765$2,393,350$0$75,961,900
89$112,260,830$2,291,675$0$83,461,446
90$123,485,588$2,178,122$0$91,720,477
91$135,848,158$2,051,889$0$100,816,407
92$149,464,372$1,912,134$0$110,834,544
93$164,461,870$1,757,961$0$121,868,908
94$180,981,306$1,588,425$0$134,023,108
95$199,177,670$1,402,529$0$147,411,330
96$219,221,755$1,199,216$0$162,159,412
97$241,301,768$977,371$0$178,406,032
98$265,625,103$735,818$0$196,304,023
99$292,420,301$473,310$0$216,021,810
100$321,939,205$188,535$0$237,745,009