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%19.7%
1 years$61,934$61,383$60,844$60,319$59,806$57,479
2 years$30,661$30,090$29,536$29,000$28,479$26,162
3 years$20,237$19,664$19,112$18,580$18,068$15,835
4 years$15,027$14,455$13,909$13,386$12,886$10,754
5 years$11,901$11,333$10,794$10,282$9,796$7,770
6 years$9,818$9,254$8,723$8,222$7,751$5,832
7 years$8,331$7,772$7,249$6,760$6,304$4,492
8 years$7,216$6,662$6,147$5,671$5,230$3,522
9 years$6,349$5,800$5,295$4,830$4,404$2,799
10 years$5,656$5,113$4,616$4,164$3,753$2,247
11 years$5,090$4,551$4,064$3,624$3,227$1,818
12 years$4,618$4,085$3,607$3,179$2,797$1,480
13 years$4,219$3,692$3,222$2,806$2,439$1,210
14 years$3,877$3,356$2,895$2,491$2,138$994
15 years$3,581$3,066$2,614$2,222$1,882$818
16 years$3,323$2,813$2,370$1,989$1,664$676
17 years$3,095$2,590$2,157$1,787$1,475$559
18 years$2,892$2,394$1,969$1,611$1,312$463
19 years$2,712$2,218$1,802$1,455$1,169$384
20 years$2,549$2,061$1,654$1,318$1,044$319
21 years$2,402$1,920$1,521$1,196$934$265
22 years$2,269$1,792$1,402$1,088$838$221
23 years$2,147$1,676$1,295$991$752$184
24 years$2,036$1,571$1,197$903$676$153
25 years$1,934$1,474$1,109$825$608$128
26 years$1,839$1,385$1,029$754$548$107
27 years$1,752$1,304$955$691$494$89
28 years$1,672$1,228$888$633$446$74
29 years$1,597$1,159$826$580$402$62
30 years$1,527$1,094$770$532$364$52
31 years$1,461$1,035$717$489$329$43
32 years$1,400$979$669$449$297$36
33 years$1,343$927$625$413$269$30
34 years$1,289$879$584$380$244$25
35 years$1,239$833$546$350$221$21
36 years$1,191$791$511$322$200$18
37 years$1,146$751$478$297$181$15
38 years$1,104$714$448$274$164$12
39 years$1,063$679$419$252$149$10
40 years$1,025$646$393$233$135$9
41 years$989$615$369$215$123$7
42 years$955$586$346$198$111$6
43 years$922$558$324$183$101$5
44 years$891$532$305$169$92$4
45 years$861$507$286$156$83$3
46 years$833$484$269$144$76$3
47 years$806$462$252$133$69$2
48 years$780$441$237$123$62$2
49 years$756$421$223$114$57$2
50 years$732$402$210$105$51$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $750,000, adding $2,702 every year, while hoping to spend $20,692 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: 55/32/13 Blend
42$750,000$750,000$750,000$750,000
43$829,287$789,537$777,912$871,967
44$891,858$806,208$781,956$917,919
45$960,118$823,003$785,442$965,450
46$1,034,625$839,905$788,329$1,016,725
47$1,115,994$856,897$790,575$1,072,105
48$1,204,902$873,961$792,136$1,131,987
49$1,302,092$891,076$792,963$1,196,811
50$1,408,387$908,220$793,008$1,267,058
51$1,524,688$925,369$792,220$1,343,263
52$1,651,990$942,496$790,543$1,426,010
53$1,791,388$959,573$787,922$1,515,947
54$1,944,089$976,571$784,296$1,613,787
55$2,111,418$993,456$779,602$1,720,315
56$2,294,840$1,010,192$773,776$1,836,397
57$2,495,965$1,026,743$766,749$1,962,987
58$2,716,567$1,043,066$758,448$2,101,137
59$2,958,599$1,059,119$748,799$2,252,006
60$3,224,215$1,074,854$737,722$2,416,873
61$3,515,784$1,090,222$725,135$2,597,147
62$3,835,918$1,105,167$710,951$2,794,381
63$4,187,494$1,119,632$695,080$3,010,287
64$4,573,680$1,133,556$677,427$3,246,752
65$4,997,968$1,146,873$657,894$3,505,857
66$5,464,203$1,159,512$636,376$3,789,895
67$5,976,622$1,171,399$612,764$4,101,395
68$6,539,893$1,182,452$586,947$4,443,142
69$7,159,157$1,192,587$558,805$4,818,211
70$7,840,081$1,201,714$528,214$5,229,987
71$8,588,905$1,209,734$495,046$5,682,203
72$9,412,507$1,216,544$459,163$6,178,975
73$10,318,464$1,222,036$420,426$6,724,841
74$11,315,124$1,226,092$378,687$7,324,800
75$12,411,684$1,228,589$333,791$7,984,365
76$13,618,280$1,229,394$285,577$8,709,613
77$14,946,078$1,228,367$233,877$9,507,243
78$16,407,381$1,225,360$178,515$10,384,638
79$18,015,746$1,220,216$119,308$11,349,938
80$19,786,111$1,212,765$56,064$12,412,115
81$21,734,936$1,202,832$0$13,581,058
82$23,880,356$1,190,227$0$14,869,254
83$26,242,354$1,174,751$0$16,295,535
84$28,842,953$1,156,191$0$17,865,392
85$31,706,414$1,134,325$0$19,593,456
86$34,859,475$1,108,914$0$21,495,852
87$38,331,597$1,079,706$0$23,590,352
88$42,155,243$1,046,435$0$25,896,543
89$46,366,188$1,008,820$0$28,436,012
90$51,003,848$966,561$0$31,232,549
91$56,111,661$919,344$0$34,312,377
92$61,737,493$866,833$0$37,704,393
93$67,934,086$808,677$0$41,440,447
94$74,759,561$744,501$0$45,555,641
95$82,277,965$673,910$0$50,088,659
96$90,559,874$596,488$0$55,082,139
97$99,683,058$511,793$0$60,583,068
98$109,733,219$419,360$0$66,643,233
99$120,804,795$318,696$0$73,319,709
100$133,001,853$209,281$0$80,675,395