Can I retire at age 40 with 17,500,000?

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 $17,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$1,445,134$1,432,261$1,419,702$1,407,444$1,395,475$1,348,646
2 years$715,413$702,089$689,176$676,656$664,512$617,795
3 years$472,204$458,823$445,942$433,540$421,594$376,455
4 years$350,624$337,283$324,532$312,341$300,684$257,469
5 years$277,695$264,434$251,850$239,908$228,575$187,399
6 years$229,091$215,930$203,532$191,856$180,864$141,759
7 years$194,388$181,338$169,136$157,736$147,091$110,052
8 years$168,372$155,440$143,441$132,321$122,026$87,025
9 years$148,149$135,339$123,546$112,708$102,763$69,758
10 years$131,979$119,294$107,710$97,155$87,560$56,497
11 years$118,758$106,201$94,826$84,554$75,304$46,124
12 years$107,749$95,320$84,156$74,165$65,257$37,893
13 years$98,440$86,142$75,188$65,477$56,905$31,289
14 years$90,468$78,300$67,556$58,123$49,883$25,940
15 years$83,566$71,529$60,994$51,836$43,921$21,576
16 years$77,532$65,626$55,300$46,413$38,817$17,995
17 years$72,213$60,439$50,321$41,702$34,418$15,042
18 years$67,491$55,849$45,937$37,582$30,603$12,596
19 years$63,271$51,760$42,053$33,958$27,277$10,564
20 years$59,477$48,098$38,594$30,756$24,364$8,871
21 years$56,049$44,801$35,499$27,913$21,803$7,458
22 years$52,937$41,820$32,718$25,379$19,544$6,275
23 years$50,100$39,114$30,209$23,113$17,544$5,283
24 years$47,503$36,647$27,938$21,081$15,769$4,451
25 years$45,118$34,391$25,877$19,252$14,189$3,752
26 years$42,919$32,322$23,999$17,603$12,781$3,164
27 years$40,887$30,419$22,285$16,113$11,523$2,670
28 years$39,004$28,664$20,717$14,763$10,398$2,253
29 years$37,253$27,041$19,279$13,538$9,389$1,902
30 years$35,622$25,537$17,958$12,424$8,483$1,606
31 years$34,100$24,141$16,741$11,411$7,670$1,356
32 years$32,675$22,843$15,620$10,487$6,938$1,145
33 years$31,340$21,632$14,585$9,643$6,279$967
34 years$30,086$20,502$13,627$8,873$5,685$817
35 years$28,906$19,446$12,740$8,168$5,149$690
36 years$27,794$18,457$11,918$7,522$4,665$583
37 years$26,745$17,530$11,155$6,931$4,228$493
38 years$25,753$16,660$10,446$6,388$3,833$417
39 years$24,815$15,842$9,787$5,890$3,476$352
40 years$23,925$15,072$9,173$5,433$3,153$297
41 years$23,082$14,347$8,602$5,013$2,860$251
42 years$22,280$13,664$8,069$4,626$2,596$213
43 years$21,518$13,019$7,571$4,270$2,356$180
44 years$20,792$12,410$7,107$3,943$2,138$152
45 years$20,101$11,834$6,673$3,641$1,941$128
46 years$19,442$11,289$6,268$3,364$1,762$108
47 years$18,813$10,773$5,888$3,108$1,600$92
48 years$18,211$10,285$5,534$2,872$1,453$77
49 years$17,636$9,821$5,201$2,654$1,320$65
50 years$17,086$9,382$4,890$2,453$1,199$55

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $17,500,000, adding $2,585 every year, while hoping to spend $26,243 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: 75/19/6 Blend
39$17,500,000$17,500,000$17,500,000$17,500,000
40$19,287,666$18,360,166$18,088,916$20,722,081
41$21,227,086$19,231,892$18,666,973$22,537,286
42$23,363,447$20,145,453$19,263,514$24,522,139
43$25,716,809$21,102,871$19,879,133$26,696,270
44$28,309,279$22,106,267$20,514,439$29,078,411
45$31,165,215$23,157,864$21,170,062$31,689,176
46$34,311,461$24,259,993$21,846,653$34,551,256
47$37,777,597$25,415,099$22,544,883$37,689,629
48$41,596,219$26,625,747$23,265,444$41,131,790
49$45,803,248$27,894,623$24,009,051$44,908,006
50$50,438,267$29,224,547$24,776,442$49,051,601
51$55,544,895$30,618,474$25,568,377$53,599,262
52$61,171,199$32,079,505$26,385,643$58,591,385
53$67,370,149$33,610,888$27,229,050$64,072,446
54$74,200,117$35,216,034$28,099,435$70,091,420
55$81,725,424$36,898,515$28,997,662$76,702,237
56$90,016,955$38,662,080$29,924,622$83,964,283
57$99,152,822$40,510,659$30,881,234$91,942,960
58$109,219,102$42,448,374$31,868,448$100,710,291
59$120,310,653$44,479,547$32,887,243$110,345,597
60$132,532,005$46,608,710$33,938,631$120,936,239
61$145,998,350$48,840,617$35,023,655$132,578,436
62$160,836,626$51,180,251$36,143,392$145,378,162
63$177,186,719$53,632,841$37,298,953$159,452,144
64$195,202,781$56,203,867$38,491,485$174,928,953
65$215,054,687$58,899,079$39,722,172$191,950,208
66$236,929,636$61,724,505$40,992,235$210,671,908
67$261,033,919$64,686,466$42,302,936$231,265,891
68$287,594,870$67,791,594$43,655,575$253,921,450
69$316,863,006$71,046,841$45,051,495$278,847,107
70$349,114,395$74,459,499$46,492,083$306,272,572
71$384,653,264$78,037,215$47,978,769$336,450,901
72$423,814,867$81,788,009$49,513,028$369,660,872
73$466,968,654$85,720,291$51,096,385$406,209,606
74$514,521,754$89,842,883$52,730,411$446,435,451
75$566,922,822$94,165,034$54,416,729$490,711,166
76$624,666,275$98,696,445$56,157,014$539,447,422
77$688,296,956$103,447,292$57,952,995$593,096,668
78$758,415,280$108,428,243$59,806,455$652,157,385
79$835,682,901$113,650,491$61,719,234$717,178,775
80$920,828,963$119,125,770$63,693,234$788,765,932
81$1,014,656,974$124,866,389$65,730,414$867,585,530
82$1,118,052,401$130,885,258$67,832,798$954,372,107
83$1,231,991,024$137,195,915$70,002,476$1,049,934,974
84$1,357,548,152$143,812,558$72,241,602$1,155,165,835
85$1,495,908,769$150,750,079$74,552,401$1,271,047,189
86$1,648,378,726$158,024,095$76,937,170$1,398,661,574
87$1,816,397,068$165,650,987$79,398,276$1,539,201,775
88$2,001,549,617$173,647,934$81,938,167$1,693,982,048
89$2,205,583,948$182,032,953$84,559,366$1,864,450,513
90$2,430,425,884$190,824,940$87,264,477$2,052,202,790
91$2,678,197,676$200,043,714$90,056,189$2,258,997,037
92$2,951,238,044$209,710,062$92,937,277$2,486,770,522
93$3,252,124,252$219,845,783$95,910,603$2,737,657,875
94$3,583,696,442$230,473,741$98,979,124$3,014,011,215
95$3,949,084,443$241,617,919$102,145,889$3,318,422,314
96$4,351,737,326$253,303,467$105,414,046$3,653,747,039
97$4,795,455,960$265,556,764$108,786,843$4,023,132,268
98$5,284,428,900$278,405,477$112,267,635$4,430,045,562
99$5,823,271,928$291,878,625$115,859,880$4,878,307,865
100$6,417,071,629$306,006,643$119,567,151$5,372,129,528