Can I retire at age 43 with 750,000?

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 $750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$61,934$61,383$60,844$60,319$59,806$57,638
2 years$30,661$30,090$29,536$29,000$28,479$26,319
3 years$20,237$19,664$19,112$18,580$18,068$15,984
4 years$15,027$14,455$13,909$13,386$12,886$10,893
5 years$11,901$11,333$10,794$10,282$9,796$7,899
6 years$9,818$9,254$8,723$8,222$7,751$5,953
7 years$8,331$7,772$7,249$6,760$6,304$4,603
8 years$7,216$6,662$6,147$5,671$5,230$3,625
9 years$6,349$5,800$5,295$4,830$4,404$2,893
10 years$5,656$5,113$4,616$4,164$3,753$2,333
11 years$5,090$4,551$4,064$3,624$3,227$1,896
12 years$4,618$4,085$3,607$3,179$2,797$1,550
13 years$4,219$3,692$3,222$2,806$2,439$1,274
14 years$3,877$3,356$2,895$2,491$2,138$1,051
15 years$3,581$3,066$2,614$2,222$1,882$870
16 years$3,323$2,813$2,370$1,989$1,664$722
17 years$3,095$2,590$2,157$1,787$1,475$600
18 years$2,892$2,394$1,969$1,611$1,312$500
19 years$2,712$2,218$1,802$1,455$1,169$417
20 years$2,549$2,061$1,654$1,318$1,044$348
21 years$2,402$1,920$1,521$1,196$934$291
22 years$2,269$1,792$1,402$1,088$838$244
23 years$2,147$1,676$1,295$991$752$204
24 years$2,036$1,571$1,197$903$676$171
25 years$1,934$1,474$1,109$825$608$143
26 years$1,839$1,385$1,029$754$548$120
27 years$1,752$1,304$955$691$494$101
28 years$1,672$1,228$888$633$446$85
29 years$1,597$1,159$826$580$402$71
30 years$1,527$1,094$770$532$364$60
31 years$1,461$1,035$717$489$329$50
32 years$1,400$979$669$449$297$42
33 years$1,343$927$625$413$269$35
34 years$1,289$879$584$380$244$30
35 years$1,239$833$546$350$221$25
36 years$1,191$791$511$322$200$21
37 years$1,146$751$478$297$181$18
38 years$1,104$714$448$274$164$15
39 years$1,063$679$419$252$149$12
40 years$1,025$646$393$233$135$10
41 years$989$615$369$215$123$9
42 years$955$586$346$198$111$7
43 years$922$558$324$183$101$6
44 years$891$532$305$169$92$5
45 years$861$507$286$156$83$4
46 years$833$484$269$144$76$4
47 years$806$462$252$133$69$3
48 years$780$441$237$123$62$3
49 years$756$421$223$114$57$2
50 years$732$402$210$105$51$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $750,000, adding $2,319 every year, while hoping to spend $27,923 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: 64/11/25 Blend
42$750,000$750,000$750,000$750,000
43$828,892$789,142$777,517$876,362
44$883,729$798,100$773,854$917,662
45$943,224$806,561$769,132$959,453
46$1,007,822$814,472$763,287$1,004,491
47$1,078,013$821,774$756,251$1,053,099
48$1,154,336$828,407$747,951$1,105,630
49$1,237,385$834,306$738,314$1,162,478
50$1,327,812$839,400$727,261$1,224,072
51$1,426,335$843,618$714,711$1,290,892
52$1,533,745$846,879$700,578$1,363,463
53$1,650,911$849,100$684,771$1,442,365
54$1,778,792$850,193$667,198$1,528,240
55$1,918,439$850,063$647,760$1,621,794
56$2,071,015$848,611$626,355$1,723,808
57$2,237,795$845,730$602,875$1,835,143
58$2,420,186$841,307$577,207$1,956,749
59$2,619,737$835,222$549,235$2,089,673
60$2,838,151$827,350$518,836$2,235,071
61$3,077,307$817,554$485,881$2,394,219
62$3,339,271$805,693$450,237$2,568,524
63$3,626,320$791,615$411,763$2,759,538
64$3,940,960$775,160$370,313$2,968,972
65$4,285,954$756,158$325,734$3,198,716
66$4,664,342$734,431$277,867$3,450,853
67$5,079,474$709,787$226,545$3,727,680
68$5,535,040$682,026$171,593$4,031,731
69$6,035,103$650,935$112,831$4,365,801
70$6,584,141$616,288$50,068$4,732,973
71$7,187,085$577,847$0$5,136,646
72$7,849,366$535,361$0$5,585,080
73$8,576,970$488,562$0$6,092,444
74$9,376,490$437,170$0$6,649,987
75$10,255,187$380,887$0$7,262,794
76$11,221,064$319,398$0$7,936,474
77$12,282,935$252,372$0$8,677,203
78$13,450,513$179,456$0$9,491,792
79$14,734,498$100,282$0$10,387,743
80$16,146,678$14,457$0$11,373,325
81$17,700,042$0$0$12,457,651
82$19,408,901$0$0$13,660,256
83$21,289,022$0$0$14,985,372
84$23,357,779$0$0$16,443,500
85$25,634,313$0$0$18,048,140
86$28,139,716$0$0$19,814,167
87$30,897,228$0$0$21,757,970
88$33,932,454$0$0$23,897,607
89$37,273,609$0$0$26,252,978
90$40,951,785$0$0$28,846,008
91$45,001,236$0$0$31,700,857
92$49,459,711$0$0$34,844,145
93$54,368,804$0$0$38,305,208
94$59,774,347$0$0$42,116,368
95$65,726,842$0$0$46,313,244
96$72,281,941$0$0$50,935,082
97$79,500,965$0$0$56,025,132
98$87,451,487$0$0$61,631,049
99$96,207,967$0$0$67,805,347
100$105,852,455$0$0$74,605,893