Can I retire at age 43 with 1,870,000?

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 $1,870,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$154,423$153,047$151,705$150,395$149,116$143,998
2 years$76,447$75,023$73,643$72,306$71,008$65,903
3 years$50,458$49,028$47,652$46,327$45,050$40,119
4 years$37,467$36,041$34,679$33,376$32,130$27,411
5 years$29,674$28,257$26,912$25,636$24,425$19,930
6 years$24,480$23,074$21,749$20,501$19,327$15,060
7 years$20,772$19,377$18,073$16,855$15,718$11,678
8 years$17,992$16,610$15,328$14,139$13,039$9,224
9 years$15,831$14,462$13,202$12,044$10,981$7,384
10 years$14,103$12,747$11,510$10,382$9,356$5,973
11 years$12,690$11,348$10,133$9,035$8,047$4,870
12 years$11,514$10,186$8,993$7,925$6,973$3,996
13 years$10,519$9,205$8,034$6,997$6,081$3,295
14 years$9,667$8,367$7,219$6,211$5,330$2,728
15 years$8,930$7,643$6,518$5,539$4,693$2,266
16 years$8,285$7,013$5,909$4,960$4,148$1,887
17 years$7,716$6,458$5,377$4,456$3,678$1,575
18 years$7,212$5,968$4,909$4,016$3,270$1,317
19 years$6,761$5,531$4,494$3,629$2,915$1,103
20 years$6,356$5,140$4,124$3,286$2,604$925
21 years$5,989$4,787$3,793$2,983$2,330$776
22 years$5,657$4,469$3,496$2,712$2,088$652
23 years$5,354$4,180$3,228$2,470$1,875$548
24 years$5,076$3,916$2,985$2,253$1,685$461
25 years$4,821$3,675$2,765$2,057$1,516$388
26 years$4,586$3,454$2,564$1,881$1,366$327
27 years$4,369$3,251$2,381$1,722$1,231$275
28 years$4,168$3,063$2,214$1,577$1,111$232
29 years$3,981$2,890$2,060$1,447$1,003$195
30 years$3,807$2,729$1,919$1,328$907$165
31 years$3,644$2,580$1,789$1,219$820$139
32 years$3,492$2,441$1,669$1,121$741$117
33 years$3,349$2,312$1,558$1,030$671$99
34 years$3,215$2,191$1,456$948$607$83
35 years$3,089$2,078$1,361$873$550$70
36 years$2,970$1,972$1,274$804$499$59
37 years$2,858$1,873$1,192$741$452$50
38 years$2,752$1,780$1,116$683$410$42
39 years$2,652$1,693$1,046$629$371$36
40 years$2,557$1,611$980$581$337$30
41 years$2,466$1,533$919$536$306$25
42 years$2,381$1,460$862$494$277$21
43 years$2,299$1,391$809$456$252$18
44 years$2,222$1,326$759$421$228$15
45 years$2,148$1,265$713$389$207$13
46 years$2,078$1,206$670$359$188$11
47 years$2,010$1,151$629$332$171$9
48 years$1,946$1,099$591$307$155$8
49 years$1,885$1,049$556$284$141$7
50 years$1,826$1,002$523$262$128$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,870,000, adding $2,682 every year, while hoping to spend $22,856 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: 55/17/28 Blend
42$1,870,000$1,870,000$1,870,000$1,870,000
43$2,063,506$1,964,396$1,935,411$2,160,867
44$2,249,666$2,036,333$1,975,929$2,300,251
45$2,454,047$2,111,029$2,017,038$2,449,400
46$2,678,485$2,188,595$2,058,734$2,611,388
47$2,925,000$2,269,146$2,101,012$2,787,460
48$3,195,820$2,352,803$2,143,865$2,978,986
49$3,493,396$2,439,693$2,187,287$3,187,471
50$3,820,430$2,529,946$2,231,269$3,414,574
51$4,179,898$2,623,698$2,275,801$3,662,122
52$4,575,081$2,721,092$2,320,874$3,932,124
53$5,009,591$2,822,277$2,366,474$4,226,793
54$5,487,408$2,927,408$2,412,590$4,548,565
55$6,012,918$3,036,645$2,459,206$4,900,124
56$6,590,952$3,150,157$2,506,306$5,284,422
57$7,226,834$3,268,120$2,553,872$5,704,714
58$7,926,430$3,390,717$2,601,886$6,164,580
59$8,696,202$3,518,138$2,650,325$6,667,967
60$9,543,271$3,650,583$2,699,168$7,219,219
61$10,475,483$3,788,260$2,748,388$7,823,120
62$11,501,483$3,931,385$2,797,959$8,484,943
63$12,630,796$4,080,185$2,847,853$9,210,492
64$13,873,918$4,234,894$2,898,037$10,006,162
65$15,242,414$4,395,761$2,948,477$10,878,996
66$16,749,027$4,563,040$2,999,138$11,836,754
67$18,407,799$4,737,000$3,049,981$12,887,983
68$20,234,203$4,917,922$3,100,963$14,042,099
69$22,245,288$5,106,096$3,152,041$15,309,474
70$24,459,839$5,301,827$3,203,167$16,701,536
71$26,898,559$5,505,433$3,254,290$18,230,874
72$29,584,259$5,717,246$3,305,355$19,911,357
73$32,542,075$5,937,612$3,356,306$21,758,266
74$35,799,705$6,166,893$3,407,081$23,788,435
75$39,387,671$6,405,467$3,457,614$26,020,413
76$43,339,606$6,653,727$3,507,836$28,474,634
77$47,692,571$6,912,086$3,557,674$31,173,615
78$52,487,407$7,180,972$3,607,051$34,142,161
79$57,769,118$7,460,835$3,655,882$37,407,607
80$63,587,295$7,752,143$3,704,081$41,000,068
81$69,996,587$8,055,385$3,751,555$44,952,728
82$77,057,213$8,371,073$3,798,206$49,302,148
83$84,835,533$8,699,740$3,843,931$54,088,615
84$93,404,675$9,041,944$3,888,620$59,356,518
85$102,845,220$9,398,268$3,932,157$65,154,770
86$113,245,969$9,769,320$3,974,420$71,537,265
87$124,704,776$10,155,735$4,015,282$78,563,390
88$137,329,474$10,558,177$4,054,605$86,298,581
89$151,238,893$10,977,341$4,092,247$94,814,944
90$166,563,981$11,413,950$4,128,058$104,191,931
91$183,449,036$11,868,764$4,161,877$114,517,093
92$202,053,077$12,342,572$4,193,539$125,886,901
93$222,551,335$12,836,203$4,222,867$138,407,662
94$245,136,915$13,350,520$4,249,676$152,196,516
95$270,022,611$13,886,427$4,273,772$167,382,545
96$297,442,924$14,444,867$4,294,949$184,107,986
97$327,656,265$15,026,829$4,312,993$202,529,579
98$360,947,403$15,633,343$4,327,678$222,820,039
99$397,630,149$16,265,487$4,338,765$245,169,692
100$438,050,317$16,924,389$4,346,007$269,788,265