Can I retire at age 43 with 475,000?

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 $475,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$39,225$38,876$38,535$38,202$37,877$36,577
2 years$19,418$19,057$18,706$18,366$18,037$16,740
3 years$12,817$12,454$12,104$11,768$11,443$10,191
4 years$9,517$9,155$8,809$8,478$8,161$6,963
5 years$7,537$7,178$6,836$6,512$6,204$5,062
6 years$6,218$5,861$5,524$5,208$4,909$3,825
7 years$5,276$4,922$4,591$4,281$3,992$2,966
8 years$4,570$4,219$3,893$3,592$3,312$2,343
9 years$4,021$3,673$3,353$3,059$2,789$1,876
10 years$3,582$3,238$2,924$2,637$2,377$1,517
11 years$3,223$2,883$2,574$2,295$2,044$1,237
12 years$2,925$2,587$2,284$2,013$1,771$1,015
13 years$2,672$2,338$2,041$1,777$1,545$837
14 years$2,456$2,125$1,834$1,578$1,354$693
15 years$2,268$1,941$1,656$1,407$1,192$576
16 years$2,104$1,781$1,501$1,260$1,054$479
17 years$1,960$1,640$1,366$1,132$934$400
18 years$1,832$1,516$1,247$1,020$831$335
19 years$1,717$1,405$1,141$922$740$280
20 years$1,614$1,306$1,048$835$661$235
21 years$1,521$1,216$964$758$592$197
22 years$1,437$1,135$888$689$530$166
23 years$1,360$1,062$820$627$476$139
24 years$1,289$995$758$572$428$117
25 years$1,225$933$702$523$385$99
26 years$1,165$877$651$478$347$83
27 years$1,110$826$605$437$313$70
28 years$1,059$778$562$401$282$59
29 years$1,011$734$523$367$255$50
30 years$967$693$487$337$230$42
31 years$926$655$454$310$208$35
32 years$887$620$424$285$188$30
33 years$851$587$396$262$170$25
34 years$817$556$370$241$154$21
35 years$785$528$346$222$140$18
36 years$754$501$323$204$127$15
37 years$726$476$303$188$115$13
38 years$699$452$284$173$104$11
39 years$674$430$266$160$94$9
40 years$649$409$249$147$86$8
41 years$626$389$233$136$78$6
42 years$605$371$219$126$70$5
43 years$584$353$206$116$64$5
44 years$564$337$193$107$58$4
45 years$546$321$181$99$53$3
46 years$528$306$170$91$48$3
47 years$511$292$160$84$43$2
48 years$494$279$150$78$39$2
49 years$479$267$141$72$36$2
50 years$464$255$133$67$33$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $475,000, adding $3,812 every year, while hoping to spend $24,442 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: 37/40/23 Blend
42$475,000$475,000$475,000$475,000
43$527,382$502,207$494,845$543,132
44$555,169$500,809$485,416$553,581
45$584,971$498,523$474,852$562,316
46$616,968$495,281$463,089$571,261
47$651,356$491,008$450,061$580,449
48$688,354$485,626$435,697$589,920
49$728,198$479,053$419,924$599,720
50$771,149$471,202$402,667$609,898
51$817,494$461,979$383,844$620,515
52$867,549$451,287$363,374$631,638
53$921,660$439,020$341,167$643,344
54$980,207$425,070$317,134$655,720
55$1,043,608$409,319$291,179$668,865
56$1,112,325$391,644$263,201$682,892
57$1,186,862$371,914$233,098$697,926
58$1,267,775$349,992$200,761$714,113
59$1,355,678$325,731$166,076$731,611
60$1,451,241$298,976$128,924$750,604
61$1,555,207$269,565$89,182$771,295
62$1,668,390$237,325$46,721$793,913
63$1,791,685$202,074$1,406$818,715
64$1,926,080$163,619$0$845,990
65$2,072,660$121,756$0$887,583
66$2,232,620$76,270$0$933,448
67$2,407,274$26,935$0$983,681
68$2,598,072$0$0$1,038,771
69$2,806,607$0$0$1,110,922
70$3,034,634$0$0$1,202,844
71$3,284,085$0$0$1,303,469
72$3,557,087$0$0$1,413,661
73$3,855,983$0$0$1,534,377
74$4,183,353$0$0$1,666,666
75$4,542,037$0$0$1,811,686
76$4,935,165$0$0$1,970,711
77$5,366,181$0$0$2,145,145
78$5,838,882$0$0$2,336,534
79$6,357,446$0$0$2,546,580
80$6,926,479$0$0$2,777,161
81$7,551,051$0$0$3,030,342
82$8,236,749$0$0$3,308,400
83$8,989,725$0$0$3,613,842
84$9,816,760$0$0$3,949,431
85$10,725,319$0$0$4,318,210
86$11,723,630$0$0$4,723,531
87$12,820,755$0$0$5,169,087
88$14,026,678$0$0$5,658,949
89$15,352,399$0$0$6,197,600
90$16,810,036$0$0$6,789,978
91$18,412,940$0$0$7,441,525
92$20,175,822$0$0$8,158,238
93$22,114,887$0$0$8,946,723
94$24,247,992$0$0$9,814,257
95$26,594,812$0$0$10,768,862
96$29,177,023$0$0$11,819,374
97$32,018,511$0$0$12,975,528
98$35,145,591$0$0$14,248,053
99$38,587,261$0$0$15,648,770
100$42,375,471$0$0$17,190,704