Can I retire at age 40 with 13,600,000?

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 $13,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,061,719
2 years$555,978$545,623$535,588$525,858$516,421$493,593
3 years$366,970$356,571$346,561$336,922$327,638$305,460
4 years$272,485$262,117$252,208$242,734$233,674$212,316
5 years$215,808$205,503$195,723$186,443$177,636$157,158
6 years$178,036$167,809$158,174$149,100$140,557$120,982
7 years$151,067$140,926$131,443$122,583$114,310$95,642
8 years$130,849$120,799$111,474$102,832$94,832$77,063
9 years$115,133$105,177$96,013$87,590$79,862$62,981
10 years$102,567$92,709$83,706$75,503$68,046$52,037
11 years$92,292$82,533$73,693$65,711$58,522$43,364
12 years$83,736$74,077$65,401$57,637$50,714$36,384
13 years$76,502$66,944$58,431$50,885$44,224$30,697
14 years$70,307$60,850$52,501$45,170$38,766$26,016
15 years$64,942$55,588$47,401$40,284$34,133$22,132
16 years$60,253$51,001$42,976$36,070$30,167$18,886
17 years$56,120$46,970$39,107$32,408$26,748$16,159
18 years$52,450$43,402$35,699$29,206$23,783$13,856
19 years$49,170$40,225$32,681$26,390$21,198$11,903
20 years$46,222$37,379$29,993$23,902$18,935$10,242
21 years$43,558$34,817$27,588$21,692$16,944$8,824
22 years$41,140$32,500$25,426$19,723$15,188$7,612
23 years$38,935$30,397$23,477$17,962$13,634$6,572
24 years$36,917$28,480$21,712$16,383$12,254$5,679
25 years$35,063$26,727$20,110$14,962$11,027$4,911
26 years$33,354$25,119$18,651$13,680$9,933$4,250
27 years$31,775$23,640$17,319$12,522$8,955$3,680
28 years$30,311$22,276$16,100$11,473$8,080$3,187
29 years$28,951$21,015$14,983$10,521$7,296$2,762
30 years$27,684$19,846$13,956$9,655$6,593$2,394
31 years$26,500$18,761$13,010$8,868$5,961$2,076
32 years$25,393$17,752$12,139$8,150$5,392$1,801
33 years$24,356$16,811$11,334$7,494$4,880$1,562
34 years$23,381$15,933$10,590$6,895$4,418$1,355
35 years$22,464$15,113$9,901$6,348$4,001$1,176
36 years$21,600$14,344$9,262$5,846$3,625$1,021
37 years$20,785$13,624$8,669$5,386$3,286$886
38 years$20,014$12,947$8,118$4,965$2,979$769
39 years$19,284$12,311$7,606$4,578$2,701$668
40 years$18,593$11,713$7,129$4,222$2,450$580
41 years$17,938$11,150$6,685$3,896$2,223$504
42 years$17,315$10,619$6,271$3,595$2,017$438
43 years$16,723$10,118$5,884$3,319$1,831$380
44 years$16,159$9,644$5,523$3,064$1,662$330
45 years$15,622$9,197$5,186$2,830$1,509$287
46 years$15,109$8,773$4,871$2,614$1,370$249
47 years$14,620$8,372$4,576$2,415$1,244$216
48 years$14,153$7,993$4,300$2,232$1,129$188
49 years$13,706$7,632$4,042$2,062$1,026$163
50 years$13,278$7,291$3,800$1,906$932$142

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $13,600,000, adding $5,450 every year, while hoping to spend $25,813 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: 51/43/6 Blend
39$13,600,000$13,600,000$13,600,000$13,600,000
40$14,992,822$14,272,022$14,061,222$15,735,461
41$16,494,625$14,943,886$14,504,808$16,912,553
42$18,148,746$15,647,806$14,962,389$18,188,160
43$19,970,696$16,385,326$15,434,407$19,574,142
44$21,977,564$17,158,065$15,921,316$21,080,863
45$24,188,183$17,967,717$16,423,588$22,719,703
46$26,623,306$18,816,064$16,941,706$24,503,156
47$29,305,802$19,704,969$17,476,172$26,444,949
48$32,260,869$20,636,388$18,027,499$28,560,157
49$35,516,279$21,612,372$18,596,221$30,865,347
50$39,102,632$22,635,071$19,182,887$33,378,720
51$43,053,648$23,706,738$19,788,062$36,120,280
52$47,406,489$24,829,736$20,412,331$39,112,014
53$52,202,103$26,006,545$21,056,296$42,378,092
54$57,485,614$27,239,763$21,720,579$45,945,085
55$63,306,749$28,532,113$22,405,820$49,842,208
56$69,720,304$29,886,453$23,112,681$54,101,589
57$76,786,663$31,305,778$23,841,845$58,758,559
58$84,572,371$32,793,229$24,594,014$63,851,975
59$93,150,755$34,352,099$25,369,916$69,424,582
60$102,602,622$35,985,842$26,170,298$75,523,398
61$113,017,020$37,698,079$26,995,934$82,200,151
62$124,492,077$39,492,607$27,847,619$89,511,754
63$137,135,932$41,373,407$28,726,177$97,520,830
64$151,067,748$43,344,654$29,632,455$106,296,287
65$166,418,843$45,410,728$30,567,327$115,913,957
66$183,333,929$47,576,218$31,531,697$126,457,299
67$201,972,476$49,845,938$32,526,494$138,018,166
68$222,510,216$52,224,937$33,552,679$150,697,661
69$245,140,807$54,718,508$34,611,243$164,607,072
70$270,077,657$57,332,202$35,703,207$179,868,907
71$297,555,939$60,071,841$36,829,626$196,618,029
72$327,834,812$62,943,528$37,991,585$215,002,911
73$361,199,867$65,953,665$39,190,208$235,187,018
74$397,965,824$69,108,965$40,426,650$257,350,330
75$438,479,501$72,416,467$41,702,106$281,691,013
76$483,123,089$75,883,554$43,017,806$308,427,274
77$532,317,762$79,517,966$44,375,020$337,799,392
78$586,527,650$83,327,822$45,775,059$370,071,960
79$646,264,220$87,321,635$47,219,274$405,536,357
80$712,091,109$91,508,334$48,709,058$444,513,472
81$784,629,441$95,897,281$50,245,850$487,356,702
82$864,563,691$100,498,295$51,831,134$534,455,257
83$952,648,150$105,321,674$53,466,439$586,237,802
84$1,049,714,041$110,378,215$55,153,344$643,176,472
85$1,156,677,369$115,679,244$56,893,477$705,791,290
86$1,274,547,571$121,236,637$58,688,519$774,655,038
87$1,404,437,040$127,062,849$60,540,201$850,398,633
88$1,547,571,632$133,170,943$62,450,311$933,717,030
89$1,705,302,236$139,574,616$64,420,694$1,025,375,752
90$1,879,117,527$146,288,236$66,453,251$1,126,218,061
91$2,070,658,025$153,326,869$68,549,944$1,237,172,881
92$2,281,731,573$160,706,316$70,712,798$1,359,263,508
93$2,514,330,417$168,443,148$72,943,900$1,493,617,230
94$2,770,650,002$176,554,745$75,245,403$1,641,475,904
95$3,053,109,709$185,059,334$77,619,530$1,804,207,629
96$3,364,375,688$193,976,030$80,068,573$1,983,319,600
97$3,707,386,033$203,324,881$82,594,896$2,180,472,276
98$4,085,378,521$213,126,912$85,200,937$2,397,494,985
99$4,501,921,174$223,404,175$87,889,212$2,636,403,133
100$4,960,945,950$234,179,796$90,662,318$2,899,417,150