Can I retire at age 43 with 775,000?

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 $775,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$63,999$63,429$62,873$62,330$61,800$61,384
2 years$31,683$31,093$30,521$29,966$29,428$29,010
3 years$20,912$20,319$19,749$19,200$18,671$18,261
4 years$15,528$14,937$14,372$13,832$13,316$12,919
5 years$12,298$11,711$11,153$10,624$10,123$9,740
6 years$10,145$9,563$9,014$8,496$8,010$7,641
7 years$8,609$8,031$7,490$6,985$6,514$6,160
8 years$7,456$6,884$6,352$5,860$5,404$5,064
9 years$6,561$5,994$5,471$4,991$4,551$4,225
10 years$5,845$5,283$4,770$4,303$3,878$3,566
11 years$5,259$4,703$4,199$3,745$3,335$3,037
12 years$4,772$4,221$3,727$3,284$2,890$2,606
13 years$4,359$3,815$3,330$2,900$2,520$2,250
14 years$4,006$3,468$2,992$2,574$2,209$1,952
15 years$3,701$3,168$2,701$2,296$1,945$1,700
16 years$3,434$2,906$2,449$2,055$1,719$1,487
17 years$3,198$2,677$2,229$1,847$1,524$1,304
18 years$2,989$2,473$2,034$1,664$1,355$1,147
19 years$2,802$2,292$1,862$1,504$1,208$1,010
20 years$2,634$2,130$1,709$1,362$1,079$892
21 years$2,482$1,984$1,572$1,236$966$789
22 years$2,344$1,852$1,449$1,124$866$699
23 years$2,219$1,732$1,338$1,024$777$620
24 years$2,104$1,623$1,237$934$698$551
25 years$1,998$1,523$1,146$853$628$490
26 years$1,901$1,431$1,063$780$566$436
27 years$1,811$1,347$987$714$510$388
28 years$1,727$1,269$917$654$460$346
29 years$1,650$1,198$854$600$416$308
30 years$1,578$1,131$795$550$376$275
31 years$1,510$1,069$741$505$340$245
32 years$1,447$1,012$692$464$307$219
33 years$1,388$958$646$427$278$196
34 years$1,332$908$603$393$252$175
35 years$1,280$861$564$362$228$156
36 years$1,231$817$528$333$207$140
37 years$1,184$776$494$307$187$125
38 years$1,140$738$463$283$170$112
39 years$1,099$702$433$261$154$100
40 years$1,060$667$406$241$140$89
41 years$1,022$635$381$222$127$80
42 years$987$605$357$205$115$72
43 years$953$577$335$189$104$64
44 years$921$550$315$175$95$57
45 years$890$524$296$161$86$51
46 years$861$500$278$149$78$46
47 years$833$477$261$138$71$41
48 years$807$455$245$127$64$37
49 years$781$435$230$118$58$33
50 years$757$415$217$109$53$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $775,000, adding $3,696 every year, while hoping to spend $35,944 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: 63/13/24 Blend
42$775,000$775,000$775,000$775,000
43$857,862$816,787$804,775$906,281
44$907,120$818,566$793,491$941,231
45$960,198$819,227$780,624$975,074
46$1,017,446$818,677$766,083$1,011,236
47$1,079,253$816,819$749,774$1,049,948
48$1,146,041$813,548$731,596$1,091,465
49$1,218,278$808,753$711,445$1,136,071
50$1,296,476$802,316$689,213$1,184,080
51$1,381,200$794,112$664,784$1,235,836
52$1,473,068$784,010$638,041$1,291,723
53$1,572,764$771,868$608,857$1,352,165
54$1,681,035$757,540$577,103$1,417,629
55$1,798,708$740,866$542,643$1,488,632
56$1,926,688$721,681$505,334$1,565,747
57$2,065,975$699,808$465,028$1,649,605
58$2,217,666$675,060$421,568$1,740,905
59$2,382,970$647,240$374,792$1,840,419
60$2,563,217$616,138$324,531$1,949,000
61$2,759,870$581,534$270,608$2,067,590
62$2,974,541$543,193$212,837$2,197,230
63$3,209,002$500,868$151,026$2,339,069
64$3,465,207$454,298$84,972$2,494,379
65$3,745,305$403,205$14,466$2,664,560
66$4,051,663$347,298$0$2,851,162
67$4,386,885$286,269$0$3,071,459
68$4,753,842$219,790$0$3,316,740
69$5,155,692$147,518$0$3,585,443
70$5,595,915$69,089$0$3,879,934
71$6,078,343$0$0$4,202,820
72$6,607,195$0$0$4,559,247
73$7,187,120$0$0$4,960,987
74$7,823,235$0$0$5,401,711
75$8,521,179$0$0$5,885,332
76$9,287,163$0$0$6,416,161
77$10,128,027$0$0$6,998,945
78$11,051,307$0$0$7,638,917
79$12,065,304$0$0$8,341,837
80$13,179,161$0$0$9,114,053
81$14,402,952$0$0$9,962,557
82$15,747,775$0$0$10,895,053
83$17,225,854$0$0$11,920,028
84$18,850,660$0$0$13,046,831
85$20,637,031$0$0$14,285,763
86$22,601,315$0$0$15,648,174
87$24,761,525$0$0$17,146,566
88$27,137,504$0$0$18,794,715
89$29,751,117$0$0$20,607,801
90$32,626,456$0$0$22,602,546
91$35,790,061$0$0$24,797,377
92$39,271,179$0$0$27,212,596
93$43,102,033$0$0$29,870,572
94$47,318,128$0$0$32,795,955
95$51,958,584$0$0$36,015,901
96$57,066,509$0$0$39,560,338
97$62,689,398$0$0$43,462,237
98$68,879,588$0$0$47,757,932
99$75,694,747$0$0$52,487,459
100$83,198,421$0$0$57,694,932