Can I retire at age 43 with 900,000?

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 $900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$74,321$73,659$73,013$72,383$71,767$71,375
2 years$36,793$36,107$35,443$34,799$34,175$33,779
3 years$24,285$23,597$22,934$22,296$21,682$21,295
4 years$18,032$17,346$16,690$16,063$15,464$15,088
5 years$14,281$13,599$12,952$12,338$11,755$11,393
6 years$11,782$11,105$10,467$9,867$9,302$8,952
7 years$9,997$9,326$8,698$8,112$7,565$7,229
8 years$8,659$7,994$7,377$6,805$6,276$5,953
9 years$7,619$6,960$6,354$5,796$5,285$4,976
10 years$6,787$6,135$5,539$4,997$4,503$4,207
11 years$6,108$5,462$4,877$4,348$3,873$3,590
12 years$5,541$4,902$4,328$3,814$3,356$3,086
13 years$5,063$4,430$3,867$3,367$2,927$2,669
14 years$4,653$4,027$3,474$2,989$2,565$2,320
15 years$4,298$3,679$3,137$2,666$2,259$2,025
16 years$3,987$3,375$2,844$2,387$1,996$1,774
17 years$3,714$3,108$2,588$2,145$1,770$1,559
18 years$3,471$2,872$2,362$1,933$1,574$1,374
19 years$3,254$2,662$2,163$1,746$1,403$1,214
20 years$3,059$2,474$1,985$1,582$1,253$1,074
21 years$2,883$2,304$1,826$1,436$1,121$952
22 years$2,722$2,151$1,683$1,305$1,005$845
23 years$2,577$2,012$1,554$1,189$902$751
24 years$2,443$1,885$1,437$1,084$811$669
25 years$2,320$1,769$1,331$990$730$596
26 years$2,207$1,662$1,234$905$657$531
27 years$2,103$1,564$1,146$829$593$474
28 years$2,006$1,474$1,065$759$535$424
29 years$1,916$1,391$991$696$483$379
30 years$1,832$1,313$924$639$436$339
31 years$1,754$1,242$861$587$394$303
32 years$1,680$1,175$803$539$357$271
33 years$1,612$1,113$750$496$323$243
34 years$1,547$1,054$701$456$292$217
35 years$1,487$1,000$655$420$265$195
36 years$1,429$949$613$387$240$175
37 years$1,375$902$574$356$217$157
38 years$1,324$857$537$329$197$140
39 years$1,276$815$503$303$179$126
40 years$1,230$775$472$279$162$113
41 years$1,187$738$442$258$147$101
42 years$1,146$703$415$238$133$91
43 years$1,107$670$389$220$121$82
44 years$1,069$638$366$203$110$73
45 years$1,034$609$343$187$100$66
46 years$1,000$581$322$173$91$59
47 years$968$554$303$160$82$53
48 years$937$529$285$148$75$48
49 years$907$505$267$136$68$43
50 years$879$482$251$126$62$38

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $900,000, adding $2,521 every year, while hoping to spend $36,618 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: 67/22/11 Blend
42$900,000$900,000$900,000$900,000
43$994,400$946,700$932,750$1,058,510
44$1,056,868$954,127$925,036$1,108,910
45$1,124,480$960,691$915,836$1,159,402
46$1,197,722$966,311$905,062$1,213,656
47$1,277,130$970,899$892,622$1,272,039
48$1,363,290$974,366$878,417$1,334,951
49$1,456,849$976,614$862,348$1,402,836
50$1,558,518$977,538$844,307$1,476,183
51$1,669,078$977,029$824,183$1,555,532
52$1,789,391$974,971$801,860$1,641,477
53$1,920,403$971,238$777,216$1,734,676
54$2,063,156$965,701$750,125$1,835,853
55$2,218,797$958,218$720,452$1,945,806
56$2,388,586$948,643$688,060$2,065,419
57$2,573,913$936,818$652,801$2,195,664
58$2,776,307$922,577$614,524$2,337,613
59$2,997,450$905,743$573,071$2,492,451
60$3,239,195$886,130$528,275$2,661,485
61$3,503,583$863,540$479,962$2,846,154
62$3,792,860$837,765$427,951$3,048,049
63$4,109,497$808,581$372,053$3,268,923
64$4,456,219$775,755$312,070$3,510,710
65$4,836,025$739,038$247,796$3,775,544
66$5,252,217$698,168$179,015$4,065,779
67$5,708,432$652,868$105,501$4,384,011
68$6,208,677$602,843$27,020$4,733,102
69$6,757,363$547,784$0$5,116,212
70$7,359,351$487,362$0$5,543,482
71$8,019,992$421,230$0$6,015,913
72$8,745,184$349,022$0$6,534,599
73$9,541,420$270,352$0$7,104,246
74$10,415,856$184,810$0$7,730,043
75$11,376,372$91,964$0$8,417,707
76$12,431,650$0$0$9,173,545
77$13,591,257$0$0$10,006,599
78$14,865,728$0$0$10,946,698
79$16,266,671$0$0$11,980,149
80$17,806,878$0$0$13,116,394
81$19,500,437$0$0$14,365,836
82$21,362,873$0$0$15,739,935
83$23,411,289$0$0$17,251,319
84$25,664,529$0$0$18,913,900
85$28,143,357$0$0$20,743,008
86$30,870,648$0$0$22,755,531
87$33,871,608$0$0$24,970,078
88$37,174,009$0$0$27,407,154
89$40,808,451$0$0$30,089,351
90$44,808,651$0$0$33,041,561
91$49,211,759$0$0$36,291,215
92$54,058,713$0$0$39,868,536
93$59,394,617$0$0$43,806,824
94$65,269,174$0$0$48,142,777
95$71,737,150$0$0$52,916,828
96$78,858,890$0$0$58,173,532
97$86,700,892$0$0$63,961,984
98$95,336,427$0$0$70,336,283
99$104,846,235$0$0$77,356,042
100$115,319,288$0$0$85,086,947