Can I retire at age 43 with 440,000?

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 $440,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$36,335$36,011$35,695$35,387$35,086$34,880
2 years$17,988$17,653$17,328$17,013$16,708$16,499
3 years$11,873$11,536$11,212$10,900$10,600$10,396
4 years$8,816$8,480$8,160$7,853$7,560$7,363
5 years$6,982$6,649$6,332$6,032$5,747$5,556
6 years$5,760$5,429$5,117$4,824$4,547$4,364
7 years$4,887$4,559$4,253$3,966$3,698$3,522
8 years$4,233$3,908$3,607$3,327$3,068$2,899
9 years$3,725$3,403$3,106$2,834$2,584$2,421
10 years$3,318$2,999$2,708$2,443$2,201$2,046
11 years$2,986$2,670$2,384$2,126$1,893$1,745
12 years$2,709$2,397$2,116$1,865$1,641$1,499
13 years$2,475$2,166$1,890$1,646$1,431$1,296
14 years$2,275$1,969$1,699$1,461$1,254$1,125
15 years$2,101$1,798$1,534$1,303$1,104$982
16 years$1,949$1,650$1,390$1,167$976$860
17 years$1,816$1,520$1,265$1,049$865$755
18 years$1,697$1,404$1,155$945$769$665
19 years$1,591$1,301$1,057$854$686$587
20 years$1,495$1,209$970$773$613$519
21 years$1,409$1,126$893$702$548$460
22 years$1,331$1,051$823$638$491$408
23 years$1,260$983$760$581$441$362
24 years$1,194$921$702$530$396$322
25 years$1,134$865$651$484$357$287
26 years$1,079$813$603$443$321$256
27 years$1,028$765$560$405$290$228
28 years$981$721$521$371$261$203
29 years$937$680$485$340$236$182
30 years$896$642$452$312$213$162
31 years$857$607$421$287$193$145
32 years$822$574$393$264$174$130
33 years$788$544$367$242$158$116
34 years$756$515$343$223$143$104
35 years$727$489$320$205$129$93
36 years$699$464$300$189$117$83
37 years$672$441$280$174$106$75
38 years$648$419$263$161$96$67
39 years$624$398$246$148$87$60
40 years$602$379$231$137$79$54
41 years$580$361$216$126$72$48
42 years$560$344$203$116$65$43
43 years$541$327$190$107$59$39
44 years$523$312$179$99$54$35
45 years$505$298$168$92$49$31
46 years$489$284$158$85$44$28
47 years$473$271$148$78$40$25
48 years$458$259$139$72$37$22
49 years$443$247$131$67$33$20
50 years$430$236$123$62$30$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $440,000, adding $6,053 every year, while hoping to spend $30,845 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: 40/35/25 Blend
42$440,000$440,000$440,000$440,000
43$491,124$467,804$460,984$506,934
44$508,399$457,907$443,608$509,017
45$526,404$446,492$424,616$507,924
46$545,178$433,451$403,922$506,135
47$564,767$418,671$381,434$503,606
48$585,220$402,033$357,059$500,290
49$606,588$383,408$330,696$496,138
50$628,929$362,664$302,243$491,098
51$652,303$339,659$271,592$485,118
52$676,778$314,241$238,630$478,143
53$702,423$286,253$203,238$470,115
54$729,318$255,527$165,294$460,976
55$757,547$221,886$124,670$450,665
56$787,200$185,142$81,230$439,119
57$818,379$145,098$34,835$426,272
58$851,190$101,545$0$412,059
59$885,752$54,262$0$400,325
60$922,194$3,015$0$397,258
61$960,654$0$0$393,524
62$1,001,286$0$0$409,294
63$1,044,256$0$0$427,225
64$1,089,745$0$0$446,235
65$1,137,952$0$0$466,409
66$1,189,093$0$0$487,843
67$1,243,405$0$0$510,640
68$1,301,147$0$0$534,913
69$1,362,603$0$0$560,786
70$1,428,082$0$0$588,394
71$1,497,925$0$0$617,886
72$1,572,504$0$0$649,425
73$1,652,226$0$0$683,188
74$1,737,538$0$0$719,373
75$1,828,931$0$0$758,193
76$1,926,942$0$0$799,885
77$2,032,161$0$0$844,706
78$2,145,236$0$0$892,940
79$2,266,877$0$0$944,900
80$2,397,864$0$0$1,000,928
81$2,539,055$0$0$1,061,399
82$2,691,390$0$0$1,126,727
83$2,855,904$0$0$1,197,366
84$3,033,733$0$0$1,273,815
85$3,226,126$0$0$1,356,624
86$3,434,457$0$0$1,446,394
87$3,660,234$0$0$1,543,790
88$3,905,118$0$0$1,649,541
89$4,170,933$0$0$1,764,449
90$4,459,687$0$0$1,889,398
91$4,773,588$0$0$2,025,358
92$5,115,067$0$0$2,173,398
93$5,486,795$0$0$2,334,695
94$5,891,715$0$0$2,510,541
95$6,333,062$0$0$2,702,361
96$6,814,399$0$0$2,911,723
97$7,339,646$0$0$3,140,352
98$7,913,119$0$0$3,390,147
99$8,539,569$0$0$3,663,201
100$9,224,224$0$0$3,961,814