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%14.3%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,065,202
2 years$555,978$545,623$535,588$525,858$516,421$497,061
3 years$366,970$356,571$346,561$336,922$327,638$308,804
4 years$272,485$262,117$252,208$242,734$233,674$215,509
5 years$215,808$205,503$195,723$186,443$177,636$160,192
6 years$178,036$167,809$158,174$149,100$140,557$123,855
7 years$151,067$140,926$131,443$122,583$114,310$98,354
8 years$130,849$120,799$111,474$102,832$94,832$79,617
9 years$115,133$105,177$96,013$87,590$79,862$65,381
10 years$102,567$92,709$83,706$75,503$68,046$54,286
11 years$92,292$82,533$73,693$65,711$58,522$45,467
12 years$83,736$74,077$65,401$57,637$50,714$38,347
13 years$76,502$66,944$58,431$50,885$44,224$32,525
14 years$70,307$60,850$52,501$45,170$38,766$27,715
15 years$64,942$55,588$47,401$40,284$34,133$23,708
16 years$60,253$51,001$42,976$36,070$30,167$20,346
17 years$56,120$46,970$39,107$32,408$26,748$17,508
18 years$52,450$43,402$35,699$29,206$23,783$15,100
19 years$49,170$40,225$32,681$26,390$21,198$13,049
20 years$46,222$37,379$29,993$23,902$18,935$11,296
21 years$43,558$34,817$27,588$21,692$16,944$9,792
22 years$41,140$32,500$25,426$19,723$15,188$8,498
23 years$38,935$30,397$23,477$17,962$13,634$7,383
24 years$36,917$28,480$21,712$16,383$12,254$6,421
25 years$35,063$26,727$20,110$14,962$11,027$5,588
26 years$33,354$25,119$18,651$13,680$9,933$4,867
27 years$31,775$23,640$17,319$12,522$8,955$4,241
28 years$30,311$22,276$16,100$11,473$8,080$3,697
29 years$28,951$21,015$14,983$10,521$7,296$3,225
30 years$27,684$19,846$13,956$9,655$6,593$2,814
31 years$26,500$18,761$13,010$8,868$5,961$2,456
32 years$25,393$17,752$12,139$8,150$5,392$2,145
33 years$24,356$16,811$11,334$7,494$4,880$1,873
34 years$23,381$15,933$10,590$6,895$4,418$1,636
35 years$22,464$15,113$9,901$6,348$4,001$1,430
36 years$21,600$14,344$9,262$5,846$3,625$1,249
37 years$20,785$13,624$8,669$5,386$3,286$1,092
38 years$20,014$12,947$8,118$4,965$2,979$954
39 years$19,284$12,311$7,606$4,578$2,701$834
40 years$18,593$11,713$7,129$4,222$2,450$729
41 years$17,938$11,150$6,685$3,896$2,223$638
42 years$17,315$10,619$6,271$3,595$2,017$558
43 years$16,723$10,118$5,884$3,319$1,831$488
44 years$16,159$9,644$5,523$3,064$1,662$427
45 years$15,622$9,197$5,186$2,830$1,509$373
46 years$15,109$8,773$4,871$2,614$1,370$326
47 years$14,620$8,372$4,576$2,415$1,244$285
48 years$14,153$7,993$4,300$2,232$1,129$250
49 years$13,706$7,632$4,042$2,062$1,026$218
50 years$13,278$7,291$3,800$1,906$932$191

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 $2,455 every year, while hoping to spend $49,821 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: 36/39/25 Blend
39$13,600,000$13,600,000$13,600,000$13,600,000
40$14,989,732$14,268,932$14,058,132$15,416,397
41$16,465,676$14,915,101$14,476,071$16,377,838
42$18,090,496$15,591,262$14,906,340$17,410,339
43$19,879,325$16,298,832$15,349,301$18,524,038
44$21,848,838$17,039,297$15,805,325$19,726,254
45$24,017,409$17,814,212$16,274,792$21,025,011
46$26,405,284$18,625,208$16,758,097$22,429,111
47$29,034,772$19,473,992$17,255,643$23,948,206
48$31,930,457$20,362,356$17,767,845$25,592,890
49$35,119,427$21,292,174$18,295,131$27,374,787
50$38,631,532$22,265,414$18,837,941$29,306,657
51$42,499,664$23,284,135$19,396,728$31,402,510
52$46,760,068$24,350,497$19,971,957$33,677,727
53$51,452,685$25,466,761$20,564,108$36,149,205
54$56,621,527$26,635,300$21,173,673$38,835,501
55$62,315,091$27,858,598$21,801,159$41,757,003
56$68,586,821$29,139,260$22,447,089$44,936,113
57$75,495,609$30,480,016$23,111,998$48,397,450
58$83,106,350$31,883,726$23,796,440$52,168,074
59$91,490,558$33,353,389$24,500,981$56,277,728
60$100,727,038$34,892,147$25,226,206$60,759,113
61$110,902,627$36,503,295$25,972,716$65,648,182
62$122,113,023$38,190,283$26,741,129$70,984,472
63$134,463,675$39,956,732$27,532,081$76,811,463
64$148,070,791$41,806,433$28,346,227$83,176,976
65$163,062,425$43,743,361$29,184,239$90,133,614
66$179,579,691$45,771,684$30,046,809$97,739,243
67$197,778,092$47,895,769$30,934,650$106,057,526
68$217,828,990$50,120,194$31,848,493$115,158,507
69$239,921,222$52,449,759$32,789,093$125,119,261
70$264,262,882$54,889,493$33,757,223$136,024,600
71$291,083,288$57,444,669$34,753,681$147,967,863
72$320,635,140$60,120,815$35,779,287$161,051,774
73$353,196,915$62,923,725$36,834,883$175,389,400
74$389,075,485$65,859,473$37,921,337$191,105,192
75$428,609,023$68,934,426$39,039,540$208,336,145
76$472,170,189$72,155,258$40,190,410$227,233,069
77$520,169,649$75,528,967$41,374,890$247,961,991
78$573,059,955$79,062,888$42,593,950$270,705,698
79$631,339,812$82,764,710$43,848,589$295,665,440
80$695,558,787$86,642,496$45,139,832$323,062,806
81$766,322,502$90,704,696$46,468,734$353,141,788
82$844,298,341$94,960,171$47,836,381$386,171,057
83$930,221,761$99,418,208$49,243,889$422,446,471
84$1,024,903,227$104,088,547$50,692,405$462,293,839
85$1,129,235,866$108,981,396$52,183,111$506,071,965
86$1,244,203,899$114,107,458$53,717,219$554,176,001
87$1,370,891,929$119,477,956$55,295,978$607,041,145
88$1,510,495,184$125,104,654$56,920,672$665,146,714
89$1,664,330,797$130,999,887$58,592,619$729,020,627
90$1,833,850,244$137,176,587$60,313,177$799,244,356
91$2,020,653,042$143,648,313$62,083,742$876,458,370
92$2,226,501,853$150,429,281$63,905,748$961,368,138
93$2,453,339,122$157,534,396$65,780,671$1,054,750,748
94$2,703,305,416$164,979,285$67,710,027$1,157,462,189
95$2,978,759,632$172,780,333$69,695,376$1,270,445,392
96$3,282,301,265$180,954,720$71,738,322$1,394,739,070
97$3,616,794,952$189,520,459$73,840,513$1,531,487,479
98$3,985,397,511$198,496,436$76,003,645$1,681,951,156
99$4,391,587,750$207,902,454$78,229,460$1,847,518,767
100$4,839,199,304$217,759,278$80,519,750$2,029,720,150