Can I retire at age 43 with 810,000?

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 $810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$66,889$66,293$65,712$65,145$64,591$62,200
2 years$33,113$32,497$31,899$31,319$30,757$28,376
3 years$21,856$21,237$20,641$20,067$19,514$17,216
4 years$16,229$15,611$15,021$14,457$13,917$11,721
5 years$12,853$12,240$11,657$11,104$10,580$8,491
6 years$10,604$9,994$9,421$8,880$8,371$6,391
7 years$8,997$8,393$7,829$7,301$6,808$4,936
8 years$7,793$7,195$6,639$6,125$5,648$3,883
9 years$6,857$6,264$5,718$5,217$4,756$3,095
10 years$6,109$5,522$4,985$4,497$4,053$2,493
11 years$5,497$4,916$4,389$3,914$3,486$2,023
12 years$4,987$4,412$3,895$3,433$3,020$1,652
13 years$4,556$3,987$3,480$3,031$2,634$1,356
14 years$4,187$3,624$3,127$2,690$2,309$1,117
15 years$3,868$3,311$2,823$2,399$2,033$923
16 years$3,589$3,038$2,560$2,148$1,797$765
17 years$3,342$2,797$2,329$1,930$1,593$635
18 years$3,124$2,585$2,126$1,739$1,416$528
19 years$2,929$2,396$1,946$1,572$1,263$440
20 years$2,753$2,226$1,786$1,424$1,128$367
21 years$2,594$2,074$1,643$1,292$1,009$306
22 years$2,450$1,936$1,514$1,175$905$256
23 years$2,319$1,810$1,398$1,070$812$214
24 years$2,199$1,696$1,293$976$730$179
25 years$2,088$1,592$1,198$891$657$150
26 years$1,987$1,496$1,111$815$592$125
27 years$1,892$1,408$1,031$746$533$105
28 years$1,805$1,327$959$683$481$88
29 years$1,724$1,252$892$627$435$74
30 years$1,649$1,182$831$575$393$62
31 years$1,578$1,117$775$528$355$52
32 years$1,512$1,057$723$485$321$43
33 years$1,451$1,001$675$446$291$36
34 years$1,393$949$631$411$263$31
35 years$1,338$900$590$378$238$26
36 years$1,286$854$552$348$216$21
37 years$1,238$811$516$321$196$18
38 years$1,192$771$484$296$177$15
39 years$1,149$733$453$273$161$13
40 years$1,107$698$425$251$146$11
41 years$1,068$664$398$232$132$9
42 years$1,031$632$373$214$120$7
43 years$996$603$350$198$109$6
44 years$962$574$329$183$99$5
45 years$930$548$309$169$90$4
46 years$900$523$290$156$82$4
47 years$871$499$273$144$74$3
48 years$843$476$256$133$67$3
49 years$816$455$241$123$61$2
50 years$791$434$226$114$55$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $810,000, adding $3,233 every year, while hoping to spend $26,324 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: 43/33/24 Blend
42$810,000$810,000$810,000$810,000
43$895,955$853,025$840,470$928,092
44$959,334$866,815$840,617$965,068
45$1,028,295$880,398$839,887$1,002,327
46$1,103,380$893,736$838,222$1,042,174
47$1,185,185$906,790$835,563$1,084,861
48$1,274,366$919,515$831,847$1,130,669
49$1,371,645$931,864$827,007$1,179,908
50$1,477,816$943,788$820,975$1,232,920
51$1,593,753$955,234$813,678$1,290,083
52$1,720,420$966,145$805,040$1,351,814
53$1,858,877$976,460$794,982$1,418,576
54$2,010,289$986,113$783,421$1,490,878
55$2,175,943$995,037$770,270$1,569,284
56$2,357,252$1,003,157$755,437$1,654,415
57$2,555,775$1,010,394$738,827$1,746,960
58$2,773,226$1,016,666$720,340$1,847,677
59$3,011,496$1,021,884$699,872$1,957,405
60$3,272,664$1,025,952$677,314$2,077,071
61$3,559,023$1,028,770$652,550$2,207,697
62$3,873,095$1,030,231$625,463$2,350,412
63$4,217,661$1,030,223$595,926$2,506,463
64$4,595,782$1,028,623$563,809$2,677,228
65$5,010,830$1,025,305$528,975$2,864,226
66$5,466,522$1,020,131$491,283$3,069,135
67$5,966,948$1,012,959$450,582$3,293,807
68$6,516,618$1,003,635$406,717$3,540,288
69$7,120,496$991,996$359,526$3,810,834
70$7,784,055$977,872$308,838$4,107,936
71$8,513,320$961,079$254,475$4,434,343
72$9,314,932$941,426$196,254$4,793,089
73$10,196,206$918,707$133,979$5,187,522
74$11,165,201$892,705$67,450$5,621,334
75$12,230,797$863,193$0$6,098,604
76$13,402,776$829,927$0$6,624,736
77$14,691,916$792,651$0$7,222,276
78$16,110,094$751,093$0$7,879,466
79$17,670,393$704,966$0$8,602,406
80$19,387,230$653,967$0$9,397,822
81$21,276,491$597,774$0$10,273,129
82$23,355,676$536,048$0$11,236,504
83$25,644,071$468,431$0$12,296,960
84$28,162,925$394,543$0$13,464,434
85$30,935,652$313,984$0$14,749,883
86$33,988,051$226,331$0$16,165,383
87$37,348,548$131,137$0$17,724,251
88$41,048,468$27,931$0$19,441,166
89$45,122,327$0$0$21,332,310
90$49,608,157$0$0$23,445,948
91$54,547,867$0$0$25,784,746
92$59,987,637$0$0$28,360,442
93$65,978,355$0$0$31,197,146
94$72,576,093$0$0$34,321,428
95$79,842,640$0$0$37,762,566
96$87,846,085$0$0$41,552,821
97$96,661,455$0$0$45,727,744
98$106,371,428$0$0$50,326,509
99$117,067,109$0$0$55,392,287
100$128,848,892$0$0$60,972,647