Can I retire at age 43 with 1,910,000?

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 $1,910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$157,726$156,321$154,950$153,612$152,306$147,019
2 years$78,082$76,628$75,219$73,852$72,527$67,255
3 years$51,538$50,077$48,671$47,318$46,014$40,923
4 years$38,268$36,812$35,420$34,090$32,818$27,946
5 years$30,308$28,861$27,488$26,184$24,947$20,308
6 years$25,004$23,567$22,214$20,940$19,740$15,337
7 years$21,216$19,792$18,460$17,216$16,054$11,886
8 years$18,377$16,965$15,656$14,442$13,318$9,383
9 years$16,169$14,771$13,484$12,301$11,216$7,507
10 years$14,405$13,020$11,756$10,604$9,557$6,069
11 years$12,962$11,591$10,350$9,228$8,219$4,945
12 years$11,760$10,404$9,185$8,095$7,122$4,054
13 years$10,744$9,402$8,206$7,146$6,211$3,341
14 years$9,874$8,546$7,373$6,344$5,444$2,764
15 years$9,121$7,807$6,657$5,657$4,794$2,294
16 years$8,462$7,163$6,036$5,066$4,237$1,909
17 years$7,882$6,597$5,492$4,551$3,756$1,592
18 years$7,366$6,095$5,014$4,102$3,340$1,330
19 years$6,906$5,649$4,590$3,706$2,977$1,113
20 years$6,491$5,250$4,212$3,357$2,659$933
21 years$6,117$4,890$3,874$3,046$2,380$782
22 years$5,778$4,564$3,571$2,770$2,133$657
23 years$5,468$4,269$3,297$2,523$1,915$552
24 years$5,185$4,000$3,049$2,301$1,721$464
25 years$4,924$3,754$2,824$2,101$1,549$390
26 years$4,684$3,528$2,619$1,921$1,395$328
27 years$4,463$3,320$2,432$1,759$1,258$276
28 years$4,257$3,128$2,261$1,611$1,135$232
29 years$4,066$2,951$2,104$1,478$1,025$196
30 years$3,888$2,787$1,960$1,356$926$165
31 years$3,722$2,635$1,827$1,245$837$139
32 years$3,566$2,493$1,705$1,145$757$117
33 years$3,421$2,361$1,592$1,052$685$99
34 years$3,284$2,238$1,487$968$620$83
35 years$3,155$2,122$1,391$891$562$70
36 years$3,034$2,014$1,301$821$509$59
37 years$2,919$1,913$1,218$756$461$50
38 years$2,811$1,818$1,140$697$418$42
39 years$2,708$1,729$1,068$643$379$35
40 years$2,611$1,645$1,001$593$344$30
41 years$2,519$1,566$939$547$312$25
42 years$2,432$1,491$881$505$283$21
43 years$2,349$1,421$826$466$257$18
44 years$2,269$1,354$776$430$233$15
45 years$2,194$1,292$728$397$212$13
46 years$2,122$1,232$684$367$192$11
47 years$2,053$1,176$643$339$175$9
48 years$1,988$1,122$604$313$159$8
49 years$1,925$1,072$568$290$144$6
50 years$1,865$1,024$534$268$131$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,910,000, adding $6,341 every year, while hoping to spend $48,356 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: 29/44/27 Blend
42$1,910,000$1,910,000$1,910,000$1,910,000
43$2,111,361$2,010,131$1,980,526$2,154,807
44$2,275,269$2,057,177$1,995,423$2,236,550
45$2,454,275$2,104,907$2,009,199$2,319,729
46$2,649,869$2,153,305$2,021,764$2,408,182
47$2,863,688$2,202,350$2,033,026$2,502,398
48$3,097,538$2,252,019$2,042,886$2,602,916
49$3,353,407$2,302,287$2,051,242$2,710,330
50$3,633,481$2,353,126$2,057,985$2,825,297
51$3,940,170$2,404,504$2,063,003$2,948,540
52$4,276,129$2,456,385$2,066,174$3,080,858
53$4,644,278$2,508,732$2,067,375$3,223,133
54$5,047,835$2,561,501$2,066,473$3,376,335
55$5,490,346$2,614,646$2,063,331$3,541,539
56$5,975,713$2,668,116$2,057,805$3,719,927
57$6,508,236$2,721,854$2,049,742$3,912,805
58$7,092,651$2,775,799$2,038,983$4,121,615
59$7,734,174$2,829,886$2,025,362$4,347,948
60$8,438,552$2,884,043$2,008,703$4,593,556
61$9,212,115$2,938,191$1,988,825$4,860,377
62$10,061,835$2,992,247$1,965,535$5,150,547
63$10,995,395$3,046,119$1,938,633$5,466,423
64$12,021,255$3,099,710$1,907,908$5,810,605
65$13,148,740$3,152,912$1,873,139$6,185,962
66$14,388,120$3,205,613$1,834,098$6,595,661
67$15,750,710$3,257,690$1,790,542$7,043,193
68$17,248,977$3,309,012$1,742,220$7,532,412
69$18,896,656$3,359,436$1,688,867$8,067,568
70$20,708,879$3,408,813$1,630,208$8,653,352
71$22,702,318$3,456,978$1,565,954$9,294,935
72$24,895,344$3,503,760$1,495,803$9,998,025
73$27,308,197$3,548,971$1,419,440$10,768,916
74$29,963,176$3,592,414$1,336,534$11,614,551
75$32,884,854$3,633,877$1,246,742$12,542,590
76$36,100,305$3,673,132$1,149,704$13,561,479
77$39,639,359$3,709,938$1,045,041$14,680,536
78$43,534,886$3,744,038$932,363$15,910,037
79$47,823,105$3,775,157$811,258$17,261,315
80$52,543,924$3,803,002$681,297$18,746,870
81$57,741,316$3,827,261$542,033$20,380,487
82$63,463,737$3,847,603$392,997$22,177,367
83$69,764,578$3,863,675$233,703$24,154,275
84$76,702,672$3,875,103$63,639$26,329,697
85$84,342,848$3,881,486$0$28,724,019
86$92,756,542$3,882,403$0$31,393,673
87$102,022,471$3,877,402$0$34,351,265
88$112,227,374$3,866,006$0$37,605,942
89$123,466,834$3,847,708$0$41,188,014
90$135,846,175$3,821,969$0$45,130,892
91$149,481,459$3,788,220$0$49,471,402
92$164,500,580$3,745,855$0$54,250,135
93$181,044,470$3,694,232$0$59,511,832
94$199,268,428$3,632,672$0$65,305,810
95$219,343,589$3,560,454$0$71,686,425
96$241,458,535$3,476,816$0$78,713,590
97$265,821,074$3,380,949$0$86,453,343
98$292,660,207$3,271,999$0$94,978,470
99$322,228,281$3,149,060$0$104,369,198
100$354,803,375$3,011,173$0$114,713,951