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%13.8%
1 years$74,321$73,659$73,013$72,383$71,767$70,636
2 years$36,793$36,107$35,443$34,799$34,175$33,039
3 years$24,285$23,597$22,934$22,296$21,682$20,575
4 years$18,032$17,346$16,690$16,063$15,464$14,396
5 years$14,281$13,599$12,952$12,338$11,755$10,729
6 years$11,782$11,105$10,467$9,867$9,302$8,317
7 years$9,997$9,326$8,698$8,112$7,565$6,624
8 years$8,659$7,994$7,377$6,805$6,276$5,377
9 years$7,619$6,960$6,354$5,796$5,285$4,429
10 years$6,787$6,135$5,539$4,997$4,503$3,689
11 years$6,108$5,462$4,877$4,348$3,873$3,099
12 years$5,541$4,902$4,328$3,814$3,356$2,622
13 years$5,063$4,430$3,867$3,367$2,927$2,231
14 years$4,653$4,027$3,474$2,989$2,565$1,908
15 years$4,298$3,679$3,137$2,666$2,259$1,638
16 years$3,987$3,375$2,844$2,387$1,996$1,410
17 years$3,714$3,108$2,588$2,145$1,770$1,218
18 years$3,471$2,872$2,362$1,933$1,574$1,054
19 years$3,254$2,662$2,163$1,746$1,403$914
20 years$3,059$2,474$1,985$1,582$1,253$794
21 years$2,883$2,304$1,826$1,436$1,121$691
22 years$2,722$2,151$1,683$1,305$1,005$602
23 years$2,577$2,012$1,554$1,189$902$525
24 years$2,443$1,885$1,437$1,084$811$459
25 years$2,320$1,769$1,331$990$730$401
26 years$2,207$1,662$1,234$905$657$350
27 years$2,103$1,564$1,146$829$593$307
28 years$2,006$1,474$1,065$759$535$268
29 years$1,916$1,391$991$696$483$235
30 years$1,832$1,313$924$639$436$206
31 years$1,754$1,242$861$587$394$180
32 years$1,680$1,175$803$539$357$158
33 years$1,612$1,113$750$496$323$139
34 years$1,547$1,054$701$456$292$122
35 years$1,487$1,000$655$420$265$107
36 years$1,429$949$613$387$240$94
37 years$1,375$902$574$356$217$82
38 years$1,324$857$537$329$197$72
39 years$1,276$815$503$303$179$63
40 years$1,230$775$472$279$162$56
41 years$1,187$738$442$258$147$49
42 years$1,146$703$415$238$133$43
43 years$1,107$670$389$220$121$38
44 years$1,069$638$366$203$110$33
45 years$1,034$609$343$187$100$29
46 years$1,000$581$322$173$91$26
47 years$968$554$303$160$82$22
48 years$937$529$285$148$75$20
49 years$907$505$267$136$68$17
50 years$879$482$251$126$62$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $900,000, adding $5,918 every year, while hoping to spend $55,758 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: 48/43/9 Blend
42$900,000$900,000$900,000$900,000
43$997,904$950,204$936,254$1,043,100
44$1,040,365$937,438$908,293$1,061,980
45$1,085,287$922,178$877,526$1,076,133
46$1,132,864$904,242$843,800$1,090,213
47$1,183,305$883,439$806,957$1,104,229
48$1,236,840$859,566$766,828$1,118,196
49$1,293,720$832,407$723,239$1,132,133
50$1,354,220$801,735$676,008$1,146,066
51$1,418,640$767,310$624,944$1,160,028
52$1,487,309$728,876$569,847$1,174,059
53$1,560,587$686,163$510,509$1,188,209
54$1,638,869$638,887$446,713$1,202,539
55$1,722,587$586,746$378,232$1,217,120
56$1,812,216$529,422$304,828$1,232,037
57$1,908,276$466,577$226,253$1,247,391
58$2,011,337$397,856$142,250$1,263,299
59$2,122,025$322,883$52,547$1,279,898
60$2,241,028$241,261$0$1,297,345
61$2,369,100$152,570$0$1,319,972
62$2,507,069$56,366$0$1,349,494
63$2,655,845$0$0$1,381,131
64$2,816,427$0$0$1,437,815
65$2,989,914$0$0$1,527,946
66$3,177,512$0$0$1,625,489
67$3,380,548$0$0$1,731,146
68$3,600,479$0$0$1,845,684
69$3,838,910$0$0$1,969,952
70$4,097,603$0$0$2,104,879
71$4,378,498$0$0$2,251,489
72$4,683,726$0$0$2,410,909
73$5,015,634$0$0$2,584,377
74$5,376,802$0$0$2,773,257
75$5,770,072$0$0$2,979,049
76$6,198,567$0$0$3,203,403
77$6,665,727$0$0$3,448,137
78$7,175,337$0$0$3,715,251
79$7,731,564$0$0$4,006,946
80$8,338,991$0$0$4,325,644
81$9,002,669$0$0$4,674,015
82$9,728,155$0$0$5,054,995
83$10,521,568$0$0$5,471,818
84$11,389,645$0$0$5,928,045
85$12,339,804$0$0$6,427,598
86$13,380,214$0$0$6,974,794
87$14,519,871$0$0$7,574,389
88$15,768,682$0$0$8,231,619
89$17,137,557$0$0$8,952,254
90$18,638,512$0$0$9,742,645
91$20,284,782$0$0$10,609,790
92$22,090,943$0$0$11,561,395
93$24,073,051$0$0$12,605,950
94$26,248,793$0$0$13,752,807
95$28,637,650$0$0$15,012,266
96$31,261,081$0$0$16,395,676
97$34,142,728$0$0$17,915,536
98$37,308,633$0$0$19,585,618
99$40,787,485$0$0$21,421,093
100$44,610,892$0$0$23,438,676