Can I retire at age 43 with 1,860,000?

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 $1,860,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$153,597$152,229$150,894$149,591$148,319$145,563
2 years$76,038$74,622$73,250$71,919$70,628$67,861
3 years$50,189$48,766$47,397$46,079$44,809$42,118
4 years$37,266$35,848$34,493$33,197$31,958$29,364
5 years$29,515$28,106$26,768$25,499$24,294$21,804
6 years$24,349$22,950$21,633$20,392$19,223$16,840
7 years$20,661$19,274$17,977$16,765$15,634$13,358
8 years$17,896$16,521$15,246$14,064$12,970$10,800
9 years$15,746$14,385$13,131$11,979$10,922$8,859
10 years$14,027$12,679$11,448$10,326$9,306$7,346
11 years$12,622$11,288$10,079$8,987$8,004$6,145
12 years$11,452$10,131$8,945$7,883$6,936$5,176
13 years$10,463$9,156$7,991$6,959$6,048$4,384
14 years$9,615$8,322$7,180$6,178$5,302$3,731
15 years$8,882$7,602$6,483$5,509$4,668$3,187
16 years$8,241$6,975$5,878$4,933$4,126$2,731
17 years$7,675$6,424$5,348$4,432$3,658$2,347
18 years$7,173$5,936$4,882$3,994$3,253$2,021
19 years$6,725$5,501$4,470$3,609$2,899$1,744
20 years$6,322$5,112$4,102$3,269$2,590$1,508
21 years$5,957$4,762$3,773$2,967$2,317$1,305
22 years$5,626$4,445$3,477$2,697$2,077$1,131
23 years$5,325$4,157$3,211$2,457$1,865$981
24 years$5,049$3,895$2,969$2,241$1,676$852
25 years$4,795$3,655$2,750$2,046$1,508$740
26 years$4,562$3,435$2,551$1,871$1,358$643
27 years$4,346$3,233$2,369$1,713$1,225$560
28 years$4,146$3,047$2,202$1,569$1,105$487
29 years$3,959$2,874$2,049$1,439$998$424
30 years$3,786$2,714$1,909$1,321$902$370
31 years$3,624$2,566$1,779$1,213$815$322
32 years$3,473$2,428$1,660$1,115$737$281
33 years$3,331$2,299$1,550$1,025$667$245
34 years$3,198$2,179$1,448$943$604$214
35 years$3,072$2,067$1,354$868$547$186
36 years$2,954$1,962$1,267$800$496$162
37 years$2,843$1,863$1,186$737$449$142
38 years$2,737$1,771$1,110$679$407$124
39 years$2,637$1,684$1,040$626$369$108
40 years$2,543$1,602$975$577$335$94
41 years$2,453$1,525$914$533$304$82
42 years$2,368$1,452$858$492$276$72
43 years$2,287$1,384$805$454$250$63
44 years$2,210$1,319$755$419$227$55
45 years$2,136$1,258$709$387$206$48
46 years$2,066$1,200$666$358$187$42
47 years$2,000$1,145$626$330$170$36
48 years$1,936$1,093$588$305$154$32
49 years$1,874$1,044$553$282$140$28
50 years$1,816$997$520$261$127$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,860,000, adding $2,331 every year, while hoping to spend $39,368 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: 43/27/30 Blend
42$1,860,000$1,860,000$1,860,000$1,860,000
43$2,052,124$1,953,544$1,924,714$2,122,318
44$2,219,554$2,007,381$1,947,305$2,226,883
45$2,402,742$2,062,536$1,969,333$2,336,228
46$2,603,254$2,119,032$1,990,738$2,453,972
47$2,822,814$2,176,893$2,011,456$2,580,919
48$3,063,321$2,236,141$2,031,420$2,717,953
49$3,326,867$2,296,799$2,050,559$2,866,051
50$3,615,753$2,358,888$2,068,799$3,026,287
51$3,932,516$2,422,430$2,086,060$3,199,844
52$4,279,950$2,487,446$2,102,260$3,388,027
53$4,661,131$2,553,957$2,117,312$3,592,271
54$5,079,448$2,621,983$2,131,124$3,814,161
55$5,538,634$2,691,543$2,143,599$4,055,442
56$6,042,802$2,762,655$2,154,637$4,318,034
57$6,596,480$2,835,337$2,164,129$4,604,058
58$7,204,659$2,909,607$2,171,965$4,915,847
59$7,872,835$2,985,478$2,178,027$5,255,974
60$8,607,064$3,062,967$2,182,191$5,627,275
61$9,414,017$3,142,085$2,184,327$6,032,874
62$10,301,044$3,222,844$2,184,299$6,476,215
63$11,276,241$3,305,254$2,181,964$6,961,095
64$12,348,531$3,389,325$2,177,173$7,491,695
65$13,527,740$3,475,061$2,169,767$8,072,627
66$14,824,698$3,562,467$2,159,583$8,708,972
67$16,251,335$3,651,546$2,146,447$9,406,331
68$17,820,797$3,742,298$2,130,179$10,170,876
69$19,547,566$3,834,718$2,110,588$11,009,411
70$21,447,601$3,928,802$2,087,475$11,929,435
71$23,538,484$4,024,541$2,060,633$12,939,213
72$25,839,589$4,121,923$2,029,844$14,047,855
73$28,372,262$4,220,932$1,994,879$15,265,400
74$31,160,024$4,321,550$1,955,499$16,602,915
75$34,228,792$4,423,752$1,911,454$18,072,597
76$37,607,124$4,527,511$1,862,483$19,687,889
77$41,326,487$4,632,794$1,808,312$21,463,608
78$45,421,552$4,739,565$1,748,654$23,416,086
79$49,930,526$4,847,779$1,683,210$25,563,322
80$54,895,510$4,957,390$1,611,667$27,925,154
81$60,362,891$5,068,342$1,533,697$30,523,449
82$66,383,789$5,180,574$1,448,959$33,382,305
83$73,014,531$5,294,017$1,357,094$36,528,284
84$80,317,185$5,408,596$1,257,730$39,990,661
85$88,360,149$5,524,228$1,150,474$43,801,702
86$97,218,788$5,640,820$1,034,919$47,996,967
87$106,976,156$5,758,270$910,640$52,615,652
88$117,723,767$5,876,469$777,190$57,700,952
89$129,562,470$5,995,295$634,105$63,300,479
90$142,603,394$6,114,617$480,899$69,466,703
91$156,968,997$6,234,290$317,066$76,257,455
92$172,794,223$6,354,158$142,076$83,736,472
93$190,227,776$6,474,054$0$91,973,999
94$209,433,520$6,593,793$0$101,061,756
95$230,592,029$6,713,179$0$111,120,229
96$253,902,288$6,831,998$0$122,198,123
97$279,583,576$6,950,020$0$134,399,277
98$307,877,527$7,066,997$0$147,838,122
99$339,050,419$7,182,664$0$162,640,758
100$373,395,681$7,296,734$0$178,946,148