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%17.4%
1 years$30,967$30,691$30,422$30,160$29,903$29,004
2 years$15,330$15,045$14,768$14,500$14,240$13,341
3 years$10,119$9,832$9,556$9,290$9,034$8,165
4 years$7,513$7,227$6,954$6,693$6,443$5,610
5 years$5,951$5,666$5,397$5,141$4,898$4,102
6 years$4,909$4,627$4,361$4,111$3,876$3,119
7 years$4,165$3,886$3,624$3,380$3,152$2,434
8 years$3,608$3,331$3,074$2,835$2,615$1,935
9 years$3,175$2,900$2,647$2,415$2,202$1,559
10 years$2,828$2,556$2,308$2,082$1,876$1,270
11 years$2,545$2,276$2,032$1,812$1,614$1,043
12 years$2,309$2,043$1,803$1,589$1,398$862
13 years$2,109$1,846$1,611$1,403$1,219$716
14 years$1,939$1,678$1,448$1,245$1,069$597
15 years$1,791$1,533$1,307$1,111$941$500
16 years$1,661$1,406$1,185$995$832$420
17 years$1,547$1,295$1,078$894$738$353
18 years$1,446$1,197$984$805$656$298
19 years$1,356$1,109$901$728$585$251
20 years$1,275$1,031$827$659$522$213
21 years$1,201$960$761$598$467$180
22 years$1,134$896$701$544$419$152
23 years$1,074$838$647$495$376$129
24 years$1,018$785$599$452$338$110
25 years$967$737$554$413$304$93
26 years$920$693$514$377$274$79
27 years$876$652$478$345$247$67
28 years$836$614$444$316$223$57
29 years$798$579$413$290$201$49
30 years$763$547$385$266$182$41
31 years$731$517$359$245$164$35
32 years$700$489$335$225$149$30
33 years$672$464$313$207$135$25
34 years$645$439$292$190$122$22
35 years$619$417$273$175$110$18
36 years$596$396$255$161$100$16
37 years$573$376$239$149$91$13
38 years$552$357$224$137$82$11
39 years$532$339$210$126$74$10
40 years$513$323$197$116$68$8
41 years$495$307$184$107$61$7
42 years$477$293$173$99$56$6
43 years$461$279$162$92$50$5
44 years$446$266$152$84$46$4
45 years$431$254$143$78$42$4
46 years$417$242$134$72$38$3
47 years$403$231$126$67$34$3
48 years$390$220$119$62$31$2
49 years$378$210$111$57$28$2
50 years$366$201$105$53$26$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $375,000, adding $6,506 every year, while hoping to spend $22,689 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: 72/19/9 Blend
42$375,000$375,000$375,000$375,000
43$419,961$400,086$394,273$449,053
44$438,656$395,549$383,341$464,611
45$458,498$390,030$371,281$478,198
46$479,579$383,455$358,033$492,449
47$502,001$375,750$343,533$507,424
48$525,875$366,832$327,712$523,190
49$551,324$356,617$310,500$539,819
50$578,481$345,013$291,823$557,392
51$607,492$331,924$271,605$576,000
52$638,517$317,249$249,764$595,741
53$671,732$300,881$226,218$616,726
54$707,330$282,705$200,877$639,078
55$745,521$262,601$173,651$662,930
56$786,539$240,443$144,442$688,434
57$830,637$216,096$113,152$715,755
58$878,095$189,418$79,676$745,076
59$929,220$160,259$43,905$776,602
60$984,349$128,460$5,724$810,558
61$1,043,852$93,854$0$847,194
62$1,108,136$56,263$0$890,147
63$1,177,648$15,502$0$937,167
64$1,252,879$0$0$988,053
65$1,334,370$0$0$1,049,178
66$1,422,714$0$0$1,118,973
67$1,518,565$0$0$1,194,714
68$1,622,641$0$0$1,276,971
69$1,735,732$0$0$1,366,372
70$1,858,707$0$0$1,463,604
71$1,992,522$0$0$1,569,426
72$2,138,230$0$0$1,684,674
73$2,296,987$0$0$1,810,264
74$2,470,069$0$0$1,947,208
75$2,658,876$0$0$2,096,617
76$2,864,954$0$0$2,259,716
77$3,089,999$0$0$2,437,852
78$3,335,883$0$0$2,632,509
79$3,604,664$0$0$2,845,320
80$3,898,610$0$0$3,078,083
81$4,220,215$0$0$3,332,778
82$4,572,229$0$0$3,611,585
83$4,957,676$0$0$3,916,904
84$5,379,891$0$0$4,251,379
85$5,842,542$0$0$4,617,922
86$6,349,671$0$0$5,019,738
87$6,905,730$0$0$5,460,360
88$7,515,621$0$0$5,943,676
89$8,184,745$0$0$6,473,971
90$8,919,049$0$0$7,055,963
91$9,725,085$0$0$7,694,850
92$10,610,070$0$0$8,396,358
93$11,581,954$0$0$9,166,793
94$12,649,494$0$0$10,013,104
95$13,822,338$0$0$10,942,945
96$15,111,114$0$0$11,964,747
97$16,527,530$0$0$13,087,800
98$18,084,486$0$0$14,322,339
99$19,796,192$0$0$15,679,636
100$21,678,306$0$0$17,172,116