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%13.7%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,067,836
2 years$555,978$545,623$535,588$525,858$516,421$499,689
3 years$366,970$356,571$346,561$336,922$327,638$311,343
4 years$272,485$262,117$252,208$242,734$233,674$217,941
5 years$215,808$205,503$195,723$186,443$177,636$162,510
6 years$178,036$167,809$158,174$149,100$140,557$126,056
7 years$151,067$140,926$131,443$122,583$114,310$100,439
8 years$130,849$120,799$111,474$102,832$94,832$81,588
9 years$115,133$105,177$96,013$87,590$79,862$67,239
10 years$102,567$92,709$83,706$75,503$68,046$56,034
11 years$92,292$82,533$73,693$65,711$58,522$47,108
12 years$83,736$74,077$65,401$57,637$50,714$39,884
13 years$76,502$66,944$58,431$50,885$44,224$33,963
14 years$70,307$60,850$52,501$45,170$38,766$29,058
15 years$64,942$55,588$47,401$40,284$34,133$24,959
16 years$60,253$51,001$42,976$36,070$30,167$21,510
17 years$56,120$46,970$39,107$32,408$26,748$18,589
18 years$52,450$43,402$35,699$29,206$23,783$16,102
19 years$49,170$40,225$32,681$26,390$21,198$13,977
20 years$46,222$37,379$29,993$23,902$18,935$12,153
21 years$43,558$34,817$27,588$21,692$16,944$10,582
22 years$41,140$32,500$25,426$19,723$15,188$9,227
23 years$38,935$30,397$23,477$17,962$13,634$8,054
24 years$36,917$28,480$21,712$16,383$12,254$7,037
25 years$35,063$26,727$20,110$14,962$11,027$6,153
26 years$33,354$25,119$18,651$13,680$9,933$5,385
27 years$31,775$23,640$17,319$12,522$8,955$4,715
28 years$30,311$22,276$16,100$11,473$8,080$4,131
29 years$28,951$21,015$14,983$10,521$7,296$3,621
30 years$27,684$19,846$13,956$9,655$6,593$3,175
31 years$26,500$18,761$13,010$8,868$5,961$2,785
32 years$25,393$17,752$12,139$8,150$5,392$2,444
33 years$24,356$16,811$11,334$7,494$4,880$2,145
34 years$23,381$15,933$10,590$6,895$4,418$1,883
35 years$22,464$15,113$9,901$6,348$4,001$1,654
36 years$21,600$14,344$9,262$5,846$3,625$1,453
37 years$20,785$13,624$8,669$5,386$3,286$1,276
38 years$20,014$12,947$8,118$4,965$2,979$1,121
39 years$19,284$12,311$7,606$4,578$2,701$985
40 years$18,593$11,713$7,129$4,222$2,450$866
41 years$17,938$11,150$6,685$3,896$2,223$761
42 years$17,315$10,619$6,271$3,595$2,017$669
43 years$16,723$10,118$5,884$3,319$1,831$588
44 years$16,159$9,644$5,523$3,064$1,662$517
45 years$15,622$9,197$5,186$2,830$1,509$454
46 years$15,109$8,773$4,871$2,614$1,370$399
47 years$14,620$8,372$4,576$2,415$1,244$351
48 years$14,153$7,993$4,300$2,232$1,129$309
49 years$13,706$7,632$4,042$2,062$1,026$271
50 years$13,278$7,291$3,800$1,906$932$239

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 $4,451 every year, while hoping to spend $37,803 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: 42/32/26 Blend
39$13,600,000$13,600,000$13,600,000$13,600,000
40$14,991,791$14,270,991$14,060,191$15,507,092
41$16,480,732$14,930,048$14,490,986$16,536,237
42$18,120,277$15,620,131$14,934,944$17,646,113
43$19,925,750$16,342,721$15,392,469$18,847,346
44$21,914,032$17,099,371$15,863,973$20,148,383
45$24,103,729$17,891,705$16,349,881$21,558,495
46$26,515,340$18,721,430$16,850,633$23,087,861
47$29,171,456$19,590,331$17,366,681$24,747,657
48$32,096,970$20,500,283$17,898,490$26,550,160
49$35,319,312$21,453,248$18,446,541$28,508,852
50$38,868,710$22,451,285$19,011,327$30,638,549
51$42,778,470$23,496,550$19,593,359$32,955,528
52$47,085,299$24,591,306$20,193,162$35,477,677
53$51,829,642$25,737,922$20,811,275$38,224,659
54$57,056,070$26,938,885$21,448,257$41,218,085
55$62,813,698$28,196,799$22,104,682$44,481,717
56$69,156,647$29,514,394$22,781,141$48,041,681
57$76,144,560$30,894,534$23,478,244$51,926,706
58$83,843,159$32,340,220$24,196,619$56,168,388
59$92,324,869$33,854,598$24,936,913$60,801,477
60$101,669,498$35,440,966$25,699,793$65,864,200
61$111,964,996$37,102,783$26,485,945$71,398,607
62$123,308,279$38,843,672$27,296,077$77,450,963
63$135,806,146$40,667,435$28,130,919$84,072,170
64$149,576,289$42,578,056$28,991,221$91,318,241
65$164,748,401$44,579,711$29,877,757$99,250,812
66$181,465,402$46,676,780$30,791,326$107,937,717
67$199,884,785$48,873,855$31,732,748$117,453,613
68$220,180,108$51,175,749$32,702,869$127,880,672
69$242,542,626$53,587,508$33,702,563$139,309,344
70$267,183,102$56,114,424$34,732,727$151,839,195
71$294,333,793$58,762,045$35,794,287$165,579,835
72$324,250,641$61,536,186$36,888,197$180,651,933
73$357,215,693$64,442,946$38,015,439$197,188,344
74$393,539,763$67,488,720$39,177,025$215,335,341
75$433,565,363$70,680,211$40,373,999$235,253,985
76$477,669,936$74,024,448$41,607,435$257,121,620
77$526,269,425$77,528,801$42,878,439$281,133,533
78$579,822,192$81,200,997$44,188,152$307,504,771
79$638,833,349$85,049,140$45,537,749$336,472,159
80$703,859,528$89,081,725$46,928,440$368,296,503
81$775,514,129$93,307,659$48,361,473$403,265,036
82$854,473,119$97,736,284$49,838,131$441,694,103
83$941,481,408$102,377,392$51,359,739$483,932,121
84$1,037,359,881$107,241,253$52,927,660$530,362,844
85$1,143,013,150$112,338,636$54,543,298$581,408,954
86$1,259,438,094$117,680,832$56,208,101$637,536,026
87$1,387,733,266$123,279,679$57,923,559$699,256,889
88$1,529,109,269$129,147,593$59,691,208$767,136,440
89$1,684,900,182$135,297,593$61,512,630$841,796,938
90$1,856,576,153$141,743,327$63,389,456$923,923,848
91$2,045,757,282$148,499,112$65,323,365$1,014,272,273
92$2,254,228,913$155,579,956$67,316,085$1,113,674,046
93$2,483,958,488$163,001,600$69,369,400$1,223,045,541
94$2,737,114,125$170,780,549$71,485,146$1,343,396,282
95$3,016,085,080$178,934,110$73,665,212$1,475,838,433
96$3,323,504,309$187,480,433$75,911,549$1,621,597,247
97$3,662,273,325$196,438,551$78,226,161$1,782,022,587
98$4,035,589,585$205,828,420$80,611,118$1,958,601,622
99$4,446,976,681$215,670,971$83,068,550$2,152,972,808
100$4,900,317,605$225,988,152$85,600,649$2,366,941,308