Can I retire at age 40 with 10,100,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $10,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$834,049$826,619$819,371$812,296$805,388$781,172
2 years$412,895$405,206$397,753$390,527$383,518$359,325
3 years$272,529$264,806$257,372$250,214$243,320$219,907
4 years$202,360$194,661$187,301$180,265$173,538$151,086
5 years$160,269$152,616$145,353$138,461$131,921$110,491
6 years$132,218$124,623$117,467$110,728$104,384$83,995
7 years$112,190$104,658$97,616$91,036$84,892$65,543
8 years$97,175$89,711$82,786$76,368$70,426$52,105
9 years$85,503$78,110$71,303$65,048$59,309$41,996
10 years$76,171$68,850$62,164$56,072$50,534$34,206
11 years$68,540$61,293$54,728$48,800$43,461$28,088
12 years$62,186$55,013$48,570$42,804$37,663$23,214
13 years$56,814$49,716$43,394$37,789$32,843$19,286
14 years$52,213$45,190$38,990$33,545$28,790$16,089
15 years$48,229$41,282$35,202$29,917$25,349$13,468
16 years$44,747$37,876$31,916$26,787$22,403$11,306
17 years$41,677$34,882$29,042$24,068$19,864$9,513
18 years$38,952$32,233$26,512$21,690$17,662$8,020
19 years$36,516$29,873$24,270$19,599$15,743$6,772
20 years$34,327$27,759$22,274$17,750$14,062$5,726
21 years$32,348$25,857$20,488$16,110$12,584$4,847
22 years$30,552$24,136$18,883$14,647$11,280$4,107
23 years$28,915$22,574$17,435$13,340$10,125$3,483
24 years$27,416$21,151$16,124$12,167$9,101$2,955
25 years$26,039$19,849$14,934$11,111$8,189$2,509
26 years$24,771$18,655$13,851$10,159$7,377$2,131
27 years$23,598$17,556$12,862$9,299$6,651$1,811
28 years$22,511$16,543$11,957$8,520$6,001$1,540
29 years$21,500$15,607$11,127$7,813$5,419$1,309
30 years$20,559$14,739$10,364$7,170$4,896$1,114
31 years$19,680$13,933$9,662$6,586$4,427$948
32 years$18,858$13,183$9,015$6,052$4,004$806
33 years$18,088$12,485$8,417$5,566$3,624$686
34 years$17,364$11,833$7,865$5,121$3,281$584
35 years$16,683$11,223$7,353$4,714$2,972$497
36 years$16,041$10,653$6,878$4,341$2,692$423
37 years$15,436$10,117$6,438$4,000$2,440$360
38 years$14,863$9,615$6,029$3,687$2,212$307
39 years$14,322$9,143$5,649$3,400$2,006$261
40 years$13,808$8,699$5,294$3,136$1,820$222
41 years$13,321$8,281$4,964$2,893$1,651$189
42 years$12,859$7,886$4,657$2,670$1,498$161
43 years$12,419$7,514$4,370$2,465$1,360$137
44 years$12,000$7,162$4,102$2,276$1,234$117
45 years$11,601$6,830$3,851$2,102$1,120$100
46 years$11,221$6,515$3,617$1,941$1,017$85
47 years$10,858$6,218$3,398$1,794$924$72
48 years$10,511$5,936$3,194$1,657$839$62
49 years$10,179$5,668$3,002$1,532$762$52
50 years$9,861$5,415$2,822$1,416$692$45

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $10,100,000, adding $5,904 every year, while hoping to spend $43,232 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: 43/46/11 Blend
39$10,100,000$10,100,000$10,100,000$10,100,000
40$11,136,290$10,600,990$10,444,440$11,579,393
41$12,226,193$11,074,440$10,748,330$12,362,512
42$13,425,817$11,569,640$11,060,952$13,205,562
43$14,746,309$12,087,610$11,382,552$14,117,897
44$16,199,948$12,629,420$11,713,383$15,105,882
45$17,800,269$13,196,187$12,053,708$16,176,499
46$19,562,182$13,789,086$12,403,793$17,337,411
47$21,502,118$14,409,345$12,763,913$18,597,028
48$23,638,183$15,058,251$13,134,353$19,964,582
49$25,990,326$15,737,154$13,515,402$21,450,212
50$28,580,530$16,447,465$13,907,359$23,065,050
51$31,433,020$17,190,667$14,310,531$24,821,324
52$34,574,488$17,968,309$14,725,234$26,732,467
53$38,034,347$18,782,018$15,151,791$28,813,240
54$41,845,010$19,633,497$15,590,535$31,079,859
55$46,042,192$20,524,529$16,041,809$33,550,149
56$50,665,250$21,456,985$16,505,964$36,243,703
57$55,757,553$22,432,825$16,983,361$39,182,058
58$61,366,890$23,454,100$17,474,371$42,388,892
59$67,545,925$24,522,963$17,979,374$45,890,242
60$74,352,690$25,641,668$18,498,764$49,714,740
61$81,851,132$26,812,578$19,032,940$53,893,873
62$90,111,721$28,038,168$19,582,317$58,462,277
63$99,212,111$29,321,033$20,147,320$63,458,049
64$109,237,875$30,663,892$20,728,383$68,923,099
65$120,283,309$32,069,594$21,325,955$74,903,538
66$132,452,327$33,541,124$21,940,495$81,450,099
67$145,859,440$35,081,614$22,572,476$88,618,609
68$160,630,832$36,694,343$23,222,384$96,470,499
69$176,905,559$38,382,748$23,890,716$105,073,378
70$194,836,855$40,150,431$24,577,983$114,501,654
71$214,593,581$42,001,169$25,284,713$124,837,225
72$236,361,819$43,938,920$26,011,444$136,170,241
73$260,346,629$45,967,831$26,758,731$148,599,934
74$286,773,979$48,092,249$27,527,143$162,235,546
75$315,892,887$50,316,731$28,317,265$177,197,341
76$347,977,765$52,646,054$29,129,696$193,617,726
77$383,331,010$55,085,224$29,965,054$211,642,480
78$422,285,861$57,639,488$30,823,971$231,432,116
79$465,209,542$60,314,346$31,707,097$253,163,375
80$512,506,729$63,115,563$32,615,099$277,030,876
81$564,623,373$66,049,183$33,548,663$303,248,931
82$622,050,905$69,121,541$34,508,491$332,053,545
83$685,330,877$72,339,276$35,495,305$363,704,627
84$755,060,076$75,709,350$36,509,848$398,488,413
85$831,896,155$79,239,060$37,552,879$436,720,146
86$916,563,843$82,936,054$38,625,180$478,747,026
87$1,009,861,785$86,808,350$39,727,553$524,951,459
88$1,112,670,082$90,864,354$40,860,821$575,754,642
89$1,225,958,601$95,112,878$42,025,829$631,620,502
90$1,350,796,128$99,563,159$43,223,444$693,060,052
91$1,488,360,460$104,224,881$44,454,557$760,636,177
92$1,639,949,522$109,108,195$45,720,080$834,968,915
93$1,806,993,622$114,223,746$47,020,952$916,741,273
94$1,991,068,952$119,582,689$48,358,134$1,006,705,641
95$2,193,912,468$125,196,724$49,732,614$1,105,690,848
96$2,417,438,288$131,078,112$51,145,405$1,214,609,954
97$2,663,755,765$137,239,711$52,597,547$1,334,468,817
98$2,935,189,396$143,694,999$54,090,108$1,466,375,551
99$3,234,300,769$150,458,109$55,624,181$1,611,550,933
100$3,563,912,747$157,543,856$57,200,891$1,771,339,883