Can I retire at age 43 with 1,890,000?

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 $1,890,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$156,074$154,684$153,328$152,004$150,711$146,474
2 years$77,265$75,826$74,431$73,079$71,767$67,531
3 years$50,998$49,553$48,162$46,822$45,532$41,429
4 years$37,867$36,427$35,049$33,733$32,474$28,535
5 years$29,991$28,559$27,200$25,910$24,686$20,923
6 years$24,742$23,320$21,981$20,720$19,533$15,949
7 years$20,994$19,585$18,267$17,035$15,886$12,481
8 years$18,184$16,788$15,492$14,291$13,179$9,951
9 years$16,000$14,617$13,343$12,172$11,098$8,045
10 years$14,254$12,884$11,633$10,493$9,456$6,573
11 years$12,826$11,470$10,241$9,132$8,133$5,415
12 years$11,637$10,295$9,089$8,010$7,048$4,490
13 years$10,632$9,303$8,120$7,071$6,146$3,743
14 years$9,771$8,456$7,296$6,277$5,387$3,133
15 years$9,025$7,725$6,587$5,598$4,743$2,632
16 years$8,373$7,088$5,972$5,013$4,192$2,218
17 years$7,799$6,527$5,435$4,504$3,717$1,873
18 years$7,289$6,032$4,961$4,059$3,305$1,585
19 years$6,833$5,590$4,542$3,667$2,946$1,343
20 years$6,424$5,195$4,168$3,322$2,631$1,140
21 years$6,053$4,839$3,834$3,015$2,355$969
22 years$5,717$4,517$3,534$2,741$2,111$824
23 years$5,411$4,224$3,263$2,496$1,895$702
24 years$5,130$3,958$3,017$2,277$1,703$598
25 years$4,873$3,714$2,795$2,079$1,532$509
26 years$4,635$3,491$2,592$1,901$1,380$435
27 years$4,416$3,285$2,407$1,740$1,245$371
28 years$4,212$3,096$2,237$1,594$1,123$316
29 years$4,023$2,920$2,082$1,462$1,014$270
30 years$3,847$2,758$1,939$1,342$916$231
31 years$3,683$2,607$1,808$1,232$828$197
32 years$3,529$2,467$1,687$1,133$749$168
33 years$3,385$2,336$1,575$1,041$678$144
34 years$3,249$2,214$1,472$958$614$123
35 years$3,122$2,100$1,376$882$556$105
36 years$3,002$1,993$1,287$812$504$90
37 years$2,888$1,893$1,205$749$457$77
38 years$2,781$1,799$1,128$690$414$66
39 years$2,680$1,711$1,057$636$375$56
40 years$2,584$1,628$991$587$341$48
41 years$2,493$1,550$929$541$309$41
42 years$2,406$1,476$871$500$280$35
43 years$2,324$1,406$818$461$254$30
44 years$2,246$1,340$768$426$231$26
45 years$2,171$1,278$721$393$210$22
46 years$2,100$1,219$677$363$190$19
47 years$2,032$1,164$636$336$173$16
48 years$1,967$1,111$598$310$157$14
49 years$1,905$1,061$562$287$143$12
50 years$1,845$1,013$528$265$129$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,890,000, adding $4,075 every year, while hoping to spend $45,361 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: 26/44/30 Blend
42$1,890,000$1,890,000$1,890,000$1,890,000
43$2,086,983$1,986,813$1,957,518$2,121,680
44$2,251,592$2,035,903$1,974,831$2,199,920
45$2,431,470$2,085,879$1,991,204$2,279,690
46$2,628,128$2,136,734$2,006,557$2,364,361
47$2,843,227$2,188,465$2,020,807$2,454,380
48$3,078,598$2,241,061$2,033,866$2,550,240
49$3,336,255$2,294,513$2,045,641$2,652,487
50$3,618,419$2,348,810$2,056,035$2,761,719
51$3,927,531$2,403,935$2,064,946$2,878,599
52$4,266,284$2,459,873$2,072,267$3,003,857
53$4,637,642$2,516,603$2,077,884$3,138,298
54$5,044,868$2,574,104$2,081,680$3,282,810
55$5,491,558$2,632,349$2,083,530$3,438,373
56$5,981,672$2,691,309$2,083,303$3,606,068
57$6,519,572$2,750,952$2,080,863$3,787,088
58$7,110,063$2,811,243$2,076,067$3,982,748
59$7,758,437$2,872,141$2,068,762$4,194,500
60$8,470,523$2,933,603$2,058,792$4,423,945
61$9,252,746$2,995,578$2,045,991$4,672,849
62$10,112,180$3,058,015$2,030,185$4,943,161
63$11,056,619$3,120,854$2,011,193$5,237,032
64$12,094,650$3,184,032$1,988,823$5,556,832
65$13,235,733$3,247,479$1,962,878$5,905,180
66$14,490,291$3,311,118$1,933,147$6,284,961
67$15,869,805$3,374,868$1,899,413$6,699,359
68$17,386,928$3,438,639$1,861,446$7,151,888
69$19,055,597$3,502,335$1,819,007$7,646,422
70$20,891,169$3,565,851$1,771,845$8,187,236
71$22,910,564$3,629,073$1,719,697$8,779,044
72$25,132,426$3,691,881$1,662,291$9,427,047
73$27,577,294$3,754,144$1,599,338$10,136,980
74$30,267,801$3,815,721$1,530,540$10,915,172
75$33,228,885$3,876,460$1,455,581$11,768,600
76$36,488,024$3,936,199$1,374,136$12,704,960
77$40,075,493$3,994,763$1,285,860$13,732,742
78$44,024,654$4,051,967$1,190,396$14,861,305
79$48,372,265$4,107,609$1,087,371$16,100,976
80$53,158,830$4,161,477$976,392$17,463,138
81$58,428,982$4,213,340$857,053$18,960,349
82$64,231,900$4,262,956$728,926$20,606,454
83$70,621,775$4,310,062$591,566$22,416,722
84$77,658,322$4,354,380$444,509$24,407,990
85$85,407,339$4,395,614$287,269$26,598,824
86$93,941,334$4,433,445$119,339$29,009,694
87$103,340,204$4,467,538$0$31,663,174
88$113,691,990$4,497,532$0$34,603,318
89$125,093,707$4,523,045$0$37,880,415
90$137,652,260$4,543,669$0$41,486,665
91$151,485,455$4,558,973$0$45,455,620
92$166,723,104$4,568,496$0$49,824,261
93$183,508,256$4,571,748$0$54,633,347
94$201,998,545$4,568,210$0$59,927,801
95$222,367,676$4,557,332$0$65,757,138
96$244,807,064$4,538,526$0$72,175,929
97$269,527,643$4,511,173$0$79,244,322
98$296,761,855$4,474,612$0$87,028,612
99$326,765,841$4,428,145$0$95,601,863
100$359,821,864$4,371,031$0$105,044,604