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

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 $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%15.9%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,058,266
2 years$555,978$545,623$535,588$525,858$516,421$490,165
3 years$366,970$356,571$346,561$336,922$327,638$302,165
4 years$272,485$262,117$252,208$242,734$233,674$209,179
5 years$215,808$205,503$195,723$186,443$177,636$154,186
6 years$178,036$167,809$158,174$149,100$140,557$118,178
7 years$151,067$140,926$131,443$122,583$114,310$93,004
8 years$130,849$120,799$111,474$102,832$94,832$74,589
9 years$115,133$105,177$96,013$87,590$79,862$60,667
10 years$102,567$92,709$83,706$75,503$68,046$49,877
11 years$92,292$82,533$73,693$65,711$58,522$41,353
12 years$83,736$74,077$65,401$57,637$50,714$34,516
13 years$76,502$66,944$58,431$50,885$44,224$28,966
14 years$70,307$60,850$52,501$45,170$38,766$24,416
15 years$64,942$55,588$47,401$40,284$34,133$20,655
16 years$60,253$51,001$42,976$36,070$30,167$17,526
17 years$56,120$46,970$39,107$32,408$26,748$14,909
18 years$52,450$43,402$35,699$29,206$23,783$12,709
19 years$49,170$40,225$32,681$26,390$21,198$10,853
20 years$46,222$37,379$29,993$23,902$18,935$9,282
21 years$43,558$34,817$27,588$21,692$16,944$7,949
22 years$41,140$32,500$25,426$19,723$15,188$6,814
23 years$38,935$30,397$23,477$17,962$13,634$5,847
24 years$36,917$28,480$21,712$16,383$12,254$5,021
25 years$35,063$26,727$20,110$14,962$11,027$4,314
26 years$33,354$25,119$18,651$13,680$9,933$3,709
27 years$31,775$23,640$17,319$12,522$8,955$3,191
28 years$30,311$22,276$16,100$11,473$8,080$2,746
29 years$28,951$21,015$14,983$10,521$7,296$2,364
30 years$27,684$19,846$13,956$9,655$6,593$2,036
31 years$26,500$18,761$13,010$8,868$5,961$1,754
32 years$25,393$17,752$12,139$8,150$5,392$1,511
33 years$24,356$16,811$11,334$7,494$4,880$1,302
34 years$23,381$15,933$10,590$6,895$4,418$1,122
35 years$22,464$15,113$9,901$6,348$4,001$967
36 years$21,600$14,344$9,262$5,846$3,625$834
37 years$20,785$13,624$8,669$5,386$3,286$719
38 years$20,014$12,947$8,118$4,965$2,979$620
39 years$19,284$12,311$7,606$4,578$2,701$535
40 years$18,593$11,713$7,129$4,222$2,450$461
41 years$17,938$11,150$6,685$3,896$2,223$398
42 years$17,315$10,619$6,271$3,595$2,017$343
43 years$16,723$10,118$5,884$3,319$1,831$296
44 years$16,159$9,644$5,523$3,064$1,662$255
45 years$15,622$9,197$5,186$2,830$1,509$220
46 years$15,109$8,773$4,871$2,614$1,370$190
47 years$14,620$8,372$4,576$2,415$1,244$164
48 years$14,153$7,993$4,300$2,232$1,129$141
49 years$13,706$7,632$4,042$2,062$1,026$122
50 years$13,278$7,291$3,800$1,906$932$105

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 $6,500 every year, while hoping to spend $34,630 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: 84/5/11 Blend
39$13,600,000$13,600,000$13,600,000$13,600,000
40$14,993,905$14,273,105$14,062,305$16,226,240
41$16,486,437$14,935,641$14,496,546$17,695,962
42$18,130,047$15,629,481$14,944,173$19,304,806
43$19,940,108$16,356,121$15,405,599$21,071,023
44$21,933,560$17,117,132$15,881,248$23,010,424
45$24,129,070$17,914,159$16,371,557$25,140,426
46$26,547,209$18,748,926$16,876,978$27,480,211
47$29,210,642$19,623,242$17,397,975$30,050,910
48$32,144,348$20,539,001$17,935,027$32,875,797
49$35,375,849$21,498,190$18,488,628$35,980,512
50$38,935,476$22,502,891$19,059,288$39,393,296
51$42,856,651$23,555,289$19,647,530$43,145,262
52$47,176,203$24,657,672$20,253,896$47,270,685
53$51,934,716$25,812,438$20,878,942$51,807,321
54$57,176,914$27,022,105$21,523,243$56,796,768
55$62,952,080$28,289,308$22,187,392$62,284,851
56$69,314,520$29,616,812$22,871,998$68,322,057
57$76,324,081$31,007,516$23,577,690$74,964,006
58$84,046,711$32,464,458$24,305,116$82,271,979
59$92,555,083$33,990,824$25,054,945$90,313,491
60$101,929,280$35,589,953$25,827,864$99,162,928
61$112,257,553$37,265,347$26,624,584$108,902,245
62$123,637,152$39,020,678$27,445,836$119,621,742
63$136,175,243$40,859,793$28,292,374$131,420,907
64$149,989,924$42,786,729$29,164,975$144,409,361
65$165,211,334$44,805,716$30,064,439$158,707,884
66$181,982,884$46,921,190$30,991,591$174,449,557
67$200,462,612$49,137,802$31,947,284$191,781,013
68$220,824,673$51,460,429$32,932,392$210,863,818
69$243,260,983$53,894,183$33,947,820$231,875,996
70$267,983,030$56,444,425$34,994,499$255,013,707
71$295,223,873$59,116,776$36,073,389$280,493,091
72$325,240,339$61,917,129$37,185,478$308,552,310
73$358,315,449$64,851,664$38,331,787$339,453,791
74$394,761,089$67,926,859$39,513,366$373,486,700
75$434,920,954$71,149,510$40,731,298$410,969,669
76$479,173,794$74,526,739$41,986,700$452,253,800
77$527,936,988$78,066,015$43,280,720$497,725,974
78$581,670,482$81,775,171$44,614,546$547,812,502
79$640,881,136$85,662,419$45,989,398$602,983,142
80$706,127,505$89,736,371$47,406,536$663,755,533
81$778,025,113$94,006,056$48,867,257$730,700,075
82$857,252,264$98,480,942$50,372,900$804,445,310
83$944,556,445$103,170,958$51,924,843$885,683,848
84$1,040,761,383$108,086,516$53,524,505$975,178,906
85$1,146,774,820$113,238,531$55,173,352$1,073,771,501
86$1,263,597,085$118,638,452$56,872,893$1,182,388,390
87$1,392,330,534$124,298,283$58,624,681$1,302,050,810
88$1,534,189,962$130,230,612$60,430,321$1,433,884,114
89$1,690,514,065$136,448,639$62,291,464$1,579,128,387
90$1,862,778,084$142,966,207$64,209,812$1,739,150,150
91$2,052,607,727$149,797,830$66,187,120$1,915,455,250
92$2,261,794,522$156,958,730$68,225,195$2,109,703,073
93$2,492,312,726$164,464,870$70,325,901$2,323,722,197
94$2,746,337,963$172,332,988$72,491,159$2,559,527,654
95$3,026,267,769$180,580,639$74,722,946$2,819,339,938
96$3,334,744,221$189,226,229$77,023,304$3,105,605,966
97$3,674,678,880$198,289,063$79,394,333$3,421,022,164
98$4,049,280,283$207,789,384$81,838,201$3,768,559,919
99$4,462,084,231$217,748,423$84,357,139$4,151,493,618
100$4,916,987,167$228,188,440$86,953,448$4,573,431,553