Can I retire at age 43 with 400,000?

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 $400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$33,032$32,737$32,450$32,170$31,897$31,176
2 years$16,352$16,048$15,753$15,466$15,189$14,467
3 years$10,793$10,487$10,193$9,909$9,636$8,935
4 years$8,014$7,709$7,418$7,139$6,873$6,198
5 years$6,347$6,044$5,757$5,484$5,225$4,578
6 years$5,236$4,936$4,652$4,385$4,134$3,517
7 years$4,443$4,145$3,866$3,605$3,362$2,774
8 years$3,849$3,553$3,279$3,024$2,789$2,230
9 years$3,386$3,093$2,824$2,576$2,349$1,818
10 years$3,017$2,727$2,462$2,221$2,001$1,498
11 years$2,714$2,427$2,167$1,933$1,721$1,246
12 years$2,463$2,179$1,924$1,695$1,492$1,042
13 years$2,250$1,969$1,719$1,497$1,301$877
14 years$2,068$1,790$1,544$1,329$1,140$741
15 years$1,910$1,635$1,394$1,185$1,004$629
16 years$1,772$1,500$1,264$1,061$887$535
17 years$1,651$1,381$1,150$953$787$457
18 years$1,543$1,277$1,050$859$699$390
19 years$1,446$1,183$961$776$623$334
20 years$1,359$1,099$882$703$557$287
21 years$1,281$1,024$811$638$498$246
22 years$1,210$956$748$580$447$212
23 years$1,145$894$690$528$401$182
24 years$1,086$838$639$482$360$157
25 years$1,031$786$591$440$324$135
26 years$981$739$549$402$292$117
27 years$935$695$509$368$263$101
28 years$892$655$474$337$238$87
29 years$852$618$441$309$215$75
30 years$814$584$410$284$194$65
31 years$779$552$383$261$175$56
32 years$747$522$357$240$159$49
33 years$716$494$333$220$144$42
34 years$688$469$311$203$130$36
35 years$661$444$291$187$118$31
36 years$635$422$272$172$107$27
37 years$611$401$255$158$97$23
38 years$589$381$239$146$88$20
39 years$567$362$224$135$79$18
40 years$547$345$210$124$72$15
41 years$528$328$197$115$65$13
42 years$509$312$184$106$59$11
43 years$492$298$173$98$54$10
44 years$475$284$162$90$49$9
45 years$459$270$153$83$44$7
46 years$444$258$143$77$40$6
47 years$430$246$135$71$37$6
48 years$416$235$126$66$33$5
49 years$403$224$119$61$30$4
50 years$391$214$112$56$27$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $400,000, adding $4,931 every year, while hoping to spend $28,807 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: 50/32/18 Blend
42$400,000$400,000$400,000$400,000
43$445,886$424,686$418,486$465,723
44$460,716$414,846$401,855$470,096
45$476,093$403,557$383,701$471,472
46$492,043$390,720$363,944$472,348
47$508,592$376,226$342,497$472,686
48$525,770$359,962$319,272$472,448
49$543,607$341,808$294,175$471,594
50$562,136$321,638$267,111$470,079
51$581,392$299,316$237,977$467,861
52$601,412$274,701$206,668$464,892
53$622,237$247,642$173,072$461,124
54$643,909$217,981$137,075$456,505
55$666,476$185,550$98,555$450,983
56$689,987$150,172$57,386$444,501
57$714,495$111,660$13,438$437,004
58$740,057$69,815$0$428,429
59$766,737$24,430$0$425,142
60$794,600$0$0$423,823
61$823,720$0$0$430,554
62$854,175$0$0$446,599
63$886,048$0$0$463,404
64$919,432$0$0$481,017
65$954,426$0$0$499,493
66$991,137$0$0$518,889
67$1,029,683$0$0$539,270
68$1,070,190$0$0$560,705
69$1,112,796$0$0$583,268
70$1,157,652$0$0$607,043
71$1,204,921$0$0$632,117
72$1,254,780$0$0$658,588
73$1,307,424$0$0$686,562
74$1,363,065$0$0$716,154
75$1,421,933$0$0$747,491
76$1,484,281$0$0$780,711
77$1,550,383$0$0$815,964
78$1,620,541$0$0$853,414
79$1,695,083$0$0$893,243
80$1,774,370$0$0$935,646
81$1,858,796$0$0$980,841
82$1,948,791$0$0$1,029,063
83$2,044,828$0$0$1,080,570
84$2,147,425$0$0$1,135,648
85$2,257,149$0$0$1,194,607
86$2,374,621$0$0$1,257,788
87$2,500,523$0$0$1,325,565
88$2,635,603$0$0$1,398,350
89$2,780,683$0$0$1,476,592
90$2,936,663$0$0$1,560,786
91$3,104,531$0$0$1,651,476
92$3,285,375$0$0$1,749,259
93$3,480,386$0$0$1,854,789
94$3,690,875$0$0$1,968,787
95$3,918,282$0$0$2,092,045
96$4,164,189$0$0$2,225,431
97$4,430,336$0$0$2,369,903
98$4,718,633$0$0$2,526,512
99$5,031,183$0$0$2,696,413
100$5,370,298$0$0$2,880,879