Can I retire at age 40 with 1,750,000?

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$144,513$143,226$141,970$140,744$139,547$136,451
2 years$71,541$70,209$68,918$67,666$66,451$63,348
3 years$47,220$45,882$44,594$43,354$42,159$39,146
4 years$35,062$33,728$32,453$31,234$30,068$27,168
5 years$27,769$26,443$25,185$23,991$22,858$20,078
6 years$22,909$21,593$20,353$19,186$18,086$15,431
7 years$19,439$18,134$16,914$15,774$14,709$12,178
8 years$16,837$15,544$14,344$13,232$12,203$9,796
9 years$14,815$13,534$12,355$11,271$10,276$7,991
10 years$13,198$11,929$10,771$9,716$8,756$6,590
11 years$11,876$10,620$9,483$8,455$7,530$5,482
12 years$10,775$9,532$8,416$7,417$6,526$4,590
13 years$9,844$8,614$7,519$6,548$5,691$3,865
14 years$9,047$7,830$6,756$5,812$4,988$3,269
15 years$8,357$7,153$6,099$5,184$4,392$2,775
16 years$7,753$6,563$5,530$4,641$3,882$2,363
17 years$7,221$6,044$5,032$4,170$3,442$2,018
18 years$6,749$5,585$4,594$3,758$3,060$1,726
19 years$6,327$5,176$4,205$3,396$2,728$1,480
20 years$5,948$4,810$3,859$3,076$2,436$1,270
21 years$5,605$4,480$3,550$2,791$2,180$1,092
22 years$5,294$4,182$3,272$2,538$1,954$940
23 years$5,010$3,911$3,021$2,311$1,754$809
24 years$4,750$3,665$2,794$2,108$1,577$698
25 years$4,512$3,439$2,588$1,925$1,419$602
26 years$4,292$3,232$2,400$1,760$1,278$520
27 years$4,089$3,042$2,229$1,611$1,152$449
28 years$3,900$2,866$2,072$1,476$1,040$388
29 years$3,725$2,704$1,928$1,354$939$335
30 years$3,562$2,554$1,796$1,242$848$290
31 years$3,410$2,414$1,674$1,141$767$251
32 years$3,268$2,284$1,562$1,049$694$217
33 years$3,134$2,163$1,458$964$628$188
34 years$3,009$2,050$1,363$887$568$162
35 years$2,891$1,945$1,274$817$515$141
36 years$2,779$1,846$1,192$752$467$122
37 years$2,674$1,753$1,116$693$423$105
38 years$2,575$1,666$1,045$639$383$91
39 years$2,481$1,584$979$589$348$79
40 years$2,393$1,507$917$543$315$68
41 years$2,308$1,435$860$501$286$59
42 years$2,228$1,366$807$463$260$51
43 years$2,152$1,302$757$427$236$45
44 years$2,079$1,241$711$394$214$39
45 years$2,010$1,183$667$364$194$33
46 years$1,944$1,129$627$336$176$29
47 years$1,881$1,077$589$311$160$25
48 years$1,821$1,028$553$287$145$22
49 years$1,764$982$520$265$132$19
50 years$1,709$938$489$245$120$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $1,750,000, adding $5,678 every year, while hoping to spend $20,686 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: 75/14/11 Blend
39$1,750,000$1,750,000$1,750,000$1,750,000
40$1,934,357$1,841,607$1,814,482$2,074,974
41$2,109,652$1,909,836$1,853,257$2,236,709
42$2,302,133$1,980,715$1,892,638$2,410,741
43$2,513,532$2,054,352$1,932,624$2,600,885
44$2,745,757$2,130,859$1,973,211$2,808,733
45$3,000,907$2,210,354$2,014,396$3,036,038
46$3,281,298$2,292,960$2,056,177$3,284,731
47$3,589,479$2,378,804$2,098,548$3,556,937
48$3,928,260$2,468,019$2,141,503$3,854,997
49$4,300,734$2,560,744$2,185,035$4,181,489
50$4,710,313$2,657,124$2,229,137$4,539,251
51$5,160,752$2,757,310$2,273,801$4,931,410
52$5,656,190$2,861,460$2,319,015$5,361,407
53$6,201,188$2,969,738$2,364,768$5,833,036
54$6,800,770$3,082,316$2,411,049$6,350,473
55$7,460,472$3,199,373$2,457,842$6,918,317
56$8,186,393$3,321,095$2,505,132$7,541,636
57$8,985,254$3,447,677$2,552,903$8,226,012
58$9,864,460$3,579,323$2,601,135$8,977,591
59$10,832,170$3,716,246$2,649,809$9,803,148
60$11,897,375$3,858,665$2,698,901$10,710,142
61$13,069,981$4,006,814$2,748,388$11,706,793
62$14,360,904$4,160,933$2,798,244$12,802,155
63$15,782,171$4,321,273$2,848,440$14,006,202
64$17,347,036$4,488,099$2,898,947$15,329,924
65$19,070,102$4,661,684$2,949,730$16,785,427
66$20,967,462$4,842,316$3,000,755$18,386,050
67$23,056,846$5,030,293$3,051,984$20,146,488
68$25,357,795$5,225,928$3,103,376$22,082,931
69$27,891,840$5,429,548$3,154,888$24,213,218
70$30,682,704$5,641,493$3,206,474$26,557,002
71$33,756,533$5,862,118$3,258,083$29,135,938
72$37,142,133$6,091,797$3,309,663$31,973,884
73$40,871,252$6,330,916$3,361,158$35,097,130
74$44,978,871$6,579,882$3,412,508$38,534,641
75$49,503,537$6,839,118$3,463,649$42,318,331
76$54,487,730$7,109,066$3,514,512$46,483,366
77$59,978,257$7,390,189$3,565,027$51,068,494
78$66,026,700$7,682,969$3,615,117$56,116,409
79$72,689,901$7,987,912$3,664,700$61,674,155
80$80,030,494$8,305,543$3,713,692$67,793,569
81$88,117,505$8,636,415$3,762,000$74,531,769
82$97,026,993$8,981,102$3,809,530$81,951,694
83$106,842,777$9,340,206$3,856,180$90,122,696
84$117,657,220$9,714,356$3,901,842$99,121,194
85$129,572,105$10,104,209$3,946,402$109,031,395
86$142,699,595$10,510,450$3,989,742$119,946,089
87$157,163,289$10,933,798$4,031,734$131,967,523
88$173,099,393$11,375,002$4,072,245$145,208,365
89$190,658,002$11,834,847$4,111,136$159,792,768
90$210,004,516$12,314,153$4,148,256$175,857,540
91$231,321,205$12,813,775$4,183,452$193,553,435
92$254,808,928$13,334,610$4,216,558$213,046,576
93$280,689,027$13,877,594$4,247,401$234,520,021
94$309,205,418$14,443,707$4,275,799$258,175,488
95$340,626,893$15,033,971$4,301,561$284,235,265
96$375,249,659$15,649,458$4,324,486$312,944,299
97$413,400,129$16,291,287$4,344,361$344,572,514
98$455,438,010$16,960,627$4,360,965$379,417,352
99$501,759,694$17,658,705$4,374,064$417,806,586
100$552,802,000$18,386,798$4,383,412$460,101,407