Can I retire at age 43 with 525,000?

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 $525,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$43,354$42,968$42,591$42,223$41,864$40,935
2 years$21,462$21,063$20,675$20,300$19,935$19,004
3 years$14,166$13,765$13,378$13,006$12,648$11,744
4 years$10,519$10,118$9,736$9,370$9,021$8,150
5 years$8,331$7,933$7,556$7,197$6,857$6,023
6 years$6,873$6,478$6,106$5,756$5,426$4,629
7 years$5,832$5,440$5,074$4,732$4,413$3,654
8 years$5,051$4,663$4,303$3,970$3,661$2,939
9 years$4,444$4,060$3,706$3,381$3,083$2,397
10 years$3,959$3,579$3,231$2,915$2,627$1,977
11 years$3,563$3,186$2,845$2,537$2,259$1,644
12 years$3,232$2,860$2,525$2,225$1,958$1,377
13 years$2,953$2,584$2,256$1,964$1,707$1,159
14 years$2,714$2,349$2,027$1,744$1,496$981
15 years$2,507$2,146$1,830$1,555$1,318$833
16 years$2,326$1,969$1,659$1,392$1,165$709
17 years$2,166$1,813$1,510$1,251$1,033$605
18 years$2,025$1,675$1,378$1,127$918$518
19 years$1,898$1,553$1,262$1,019$818$444
20 years$1,784$1,443$1,158$923$731$381
21 years$1,681$1,344$1,065$837$654$328
22 years$1,588$1,255$982$761$586$282
23 years$1,503$1,173$906$693$526$243
24 years$1,425$1,099$838$632$473$209
25 years$1,354$1,032$776$578$426$181
26 years$1,288$970$720$528$383$156
27 years$1,227$913$669$483$346$135
28 years$1,170$860$622$443$312$116
29 years$1,118$811$578$406$282$101
30 years$1,069$766$539$373$255$87
31 years$1,023$724$502$342$230$75
32 years$980$685$469$315$208$65
33 years$940$649$438$289$188$56
34 years$903$615$409$266$171$49
35 years$867$583$382$245$154$42
36 years$834$554$358$226$140$37
37 years$802$526$335$208$127$32
38 years$773$500$313$192$115$27
39 years$744$475$294$177$104$24
40 years$718$452$275$163$95$21
41 years$692$430$258$150$86$18
42 years$668$410$242$139$78$15
43 years$646$391$227$128$71$13
44 years$624$372$213$118$64$12
45 years$603$355$200$109$58$10
46 years$583$339$188$101$53$9
47 years$564$323$177$93$48$8
48 years$546$309$166$86$44$7
49 years$529$295$156$80$40$6
50 years$513$281$147$74$36$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $525,000, adding $5,064 every year, while hoping to spend $33,480 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: 74/9/17 Blend
42$525,000$525,000$525,000$525,000
43$583,774$555,949$547,811$624,343
44$607,696$547,568$530,540$643,522
45$632,936$537,654$511,569$659,932
46$659,594$526,097$490,804$677,030
47$687,776$512,780$468,150$694,877
48$717,602$497,578$443,506$713,540
49$749,200$480,362$416,766$733,092
50$782,710$460,992$387,819$753,617
51$818,287$439,320$356,551$775,205
52$856,098$415,193$322,842$797,958
53$896,328$388,446$286,565$821,989
54$939,178$358,904$247,590$847,423
55$984,869$326,385$205,778$874,398
56$1,033,642$290,694$160,988$903,067
57$1,085,762$251,626$113,069$933,601
58$1,141,518$208,965$61,866$966,189
59$1,201,229$162,480$7,215$1,001,041
60$1,265,245$111,932$0$1,038,387
61$1,333,946$57,063$0$1,087,755
62$1,407,754$0$0$1,142,160
63$1,487,130$0$0$1,200,876
64$1,572,579$0$0$1,270,185
65$1,664,657$0$0$1,344,888
66$1,763,976$0$0$1,425,482
67$1,871,204$0$0$1,512,515
68$1,987,080$0$0$1,606,587
69$2,112,413$0$0$1,708,358
70$2,248,094$0$0$1,818,554
71$2,395,101$0$0$1,937,971
72$2,554,510$0$0$2,067,487
73$2,727,504$0$0$2,208,068
74$2,915,386$0$0$2,360,773
75$3,119,587$0$0$2,526,769
76$3,341,681$0$0$2,707,341
77$3,583,402$0$0$2,903,901
78$3,846,656$0$0$3,118,003
79$4,133,540$0$0$3,351,357
80$4,446,365$0$0$3,605,846
81$4,787,670$0$0$3,883,541
82$5,160,253$0$0$4,186,723
83$5,567,194$0$0$4,517,902
84$6,011,881$0$0$4,879,842
85$6,498,046$0$0$5,275,584
86$7,029,798$0$0$5,708,479
87$7,611,661$0$0$6,182,215
88$8,248,616$0$0$6,700,853
89$8,946,149$0$0$7,268,866
90$9,710,299$0$0$7,891,179
91$10,547,719$0$0$8,573,216
92$11,465,735$0$0$9,320,951
93$12,472,417$0$0$10,140,962
94$13,576,651$0$0$11,040,497
95$14,788,227$0$0$12,027,537
96$16,117,926$0$0$13,110,873
97$17,577,626$0$0$14,300,190
98$19,180,409$0$0$15,606,156
99$20,940,686$0$0$17,040,522
100$22,874,334$0$0$18,616,233