Can I retire at age 43 with 375,000?

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 $375,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$30,967$30,691$30,422$30,160$29,903$29,628
2 years$15,330$15,045$14,768$14,500$14,240$13,962
3 years$10,119$9,832$9,556$9,290$9,034$8,763
4 years$7,513$7,227$6,954$6,693$6,443$6,181
5 years$5,951$5,666$5,397$5,141$4,898$4,645
6 years$4,909$4,627$4,361$4,111$3,876$3,633
7 years$4,165$3,886$3,624$3,380$3,152$2,919
8 years$3,608$3,331$3,074$2,835$2,615$2,391
9 years$3,175$2,900$2,647$2,415$2,202$1,988
10 years$2,828$2,556$2,308$2,082$1,876$1,672
11 years$2,545$2,276$2,032$1,812$1,614$1,419
12 years$2,309$2,043$1,803$1,589$1,398$1,213
13 years$2,109$1,846$1,611$1,403$1,219$1,043
14 years$1,939$1,678$1,448$1,245$1,069$901
15 years$1,791$1,533$1,307$1,111$941$782
16 years$1,661$1,406$1,185$995$832$681
17 years$1,547$1,295$1,078$894$738$595
18 years$1,446$1,197$984$805$656$521
19 years$1,356$1,109$901$728$585$457
20 years$1,275$1,031$827$659$522$402
21 years$1,201$960$761$598$467$354
22 years$1,134$896$701$544$419$312
23 years$1,074$838$647$495$376$276
24 years$1,018$785$599$452$338$244
25 years$967$737$554$413$304$215
26 years$920$693$514$377$274$191
27 years$876$652$478$345$247$169
28 years$836$614$444$316$223$150
29 years$798$579$413$290$201$133
30 years$763$547$385$266$182$118
31 years$731$517$359$245$164$105
32 years$700$489$335$225$149$93
33 years$672$464$313$207$135$83
34 years$645$439$292$190$122$74
35 years$619$417$273$175$110$65
36 years$596$396$255$161$100$58
37 years$573$376$239$149$91$52
38 years$552$357$224$137$82$46
39 years$532$339$210$126$74$41
40 years$513$323$197$116$68$37
41 years$495$307$184$107$61$33
42 years$477$293$173$99$56$29
43 years$461$279$162$92$50$26
44 years$446$266$152$84$46$23
45 years$431$254$143$78$42$20
46 years$417$242$134$72$38$18
47 years$403$231$126$67$34$16
48 years$390$220$119$62$31$14
49 years$378$210$111$57$28$13
50 years$366$201$105$53$26$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $375,000, adding $4,563 every year, while hoping to spend $24,076 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: 72/18/10 Blend
42$375,000$375,000$375,000$375,000
43$417,957$398,082$392,269$446,927
44$434,972$391,971$379,794$460,581
45$452,915$384,754$366,093$472,108
46$471,857$376,351$351,101$484,072
47$491,871$366,678$334,749$496,510
48$513,042$355,645$316,963$509,462
49$535,459$343,158$297,667$522,974
50$559,220$329,117$276,783$537,098
51$584,432$313,415$254,228$551,890
52$611,214$295,942$229,914$567,414
53$639,693$276,579$203,751$583,739
54$670,011$255,200$175,646$600,944
55$702,320$231,673$145,498$619,115
56$736,790$205,859$113,206$638,350
57$773,605$177,608$78,661$658,757
58$812,968$146,766$41,751$680,454
59$855,100$113,167$2,359$703,574
60$900,244$76,636$0$728,266
61$948,668$36,990$0$758,926
62$1,000,664$0$0$792,047
63$1,056,554$0$0$828,773
64$1,116,689$0$0$876,187
65$1,181,458$0$0$927,267
66$1,251,286$0$0$982,352
67$1,326,640$0$0$1,041,810
68$1,408,032$0$0$1,106,051
69$1,496,029$0$0$1,175,520
70$1,591,249$0$0$1,250,709
71$1,694,374$0$0$1,332,159
72$1,806,153$0$0$1,420,465
73$1,927,412$0$0$1,516,278
74$2,059,054$0$0$1,620,319
75$2,202,079$0$0$1,733,378
76$2,357,581$0$0$1,856,324
77$2,526,768$0$0$1,990,114
78$2,710,966$0$0$2,135,800
79$2,911,637$0$0$2,294,542
80$3,130,386$0$0$2,467,613
81$3,368,983$0$0$2,656,416
82$3,629,376$0$0$2,862,497
83$3,913,706$0$0$3,087,554
84$4,224,332$0$0$3,333,459
85$4,563,853$0$0$3,602,272
86$4,935,127$0$0$3,896,261
87$5,341,303$0$0$4,217,924
88$5,785,846$0$0$4,570,010
89$6,272,575$0$0$4,955,547
90$6,805,691$0$0$5,377,870
91$7,389,825$0$0$5,840,651
92$8,030,074$0$0$6,347,935
93$8,732,053$0$0$6,904,174
94$9,501,945$0$0$7,514,276
95$10,346,562$0$0$8,183,643
96$11,273,406$0$0$8,918,227
97$12,290,739$0$0$9,724,584
98$13,407,665$0$0$10,609,935
99$14,634,211$0$0$11,582,236
100$15,981,422$0$0$12,650,249