Can I retire at age 40 with 1,810,000?

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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$149,468$148,137$146,838$145,570$144,332$138,935
2 years$73,994$72,616$71,280$69,986$68,729$63,354
3 years$48,839$47,455$46,123$44,840$43,605$38,420
4 years$36,265$34,885$33,566$32,305$31,099$26,144
5 years$28,722$27,350$26,048$24,813$23,641$18,929
6 years$23,695$22,333$21,051$19,843$18,706$14,240
7 years$20,105$18,756$17,494$16,314$15,213$10,992
8 years$17,414$16,077$14,836$13,686$12,621$8,641
9 years$15,323$13,998$12,778$11,657$10,629$6,884
10 years$13,650$12,338$11,140$10,049$9,056$5,540
11 years$12,283$10,984$9,808$8,745$7,789$4,494
12 years$11,144$9,859$8,704$7,671$6,749$3,667
13 years$10,182$8,909$7,777$6,772$5,886$3,008
14 years$9,357$8,098$6,987$6,012$5,159$2,476
15 years$8,643$7,398$6,309$5,361$4,543$2,045
16 years$8,019$6,788$5,720$4,800$4,015$1,693
17 years$7,469$6,251$5,205$4,313$3,560$1,405
18 years$6,980$5,776$4,751$3,887$3,165$1,168
19 years$6,544$5,353$4,349$3,512$2,821$972
20 years$6,152$4,975$3,992$3,181$2,520$810
21 years$5,797$4,634$3,672$2,887$2,255$676
22 years$5,475$4,325$3,384$2,625$2,021$564
23 years$5,182$4,045$3,124$2,391$1,815$471
24 years$4,913$3,790$2,890$2,180$1,631$394
25 years$4,666$3,557$2,676$1,991$1,468$329
26 years$4,439$3,343$2,482$1,821$1,322$276
27 years$4,229$3,146$2,305$1,666$1,192$231
28 years$4,034$2,965$2,143$1,527$1,075$193
29 years$3,853$2,797$1,994$1,400$971$162
30 years$3,684$2,641$1,857$1,285$877$135
31 years$3,527$2,497$1,732$1,180$793$113
32 years$3,380$2,363$1,616$1,085$718$95
33 years$3,241$2,237$1,508$997$649$80
34 years$3,112$2,121$1,409$918$588$67
35 years$2,990$2,011$1,318$845$533$56
36 years$2,875$1,909$1,233$778$483$47
37 years$2,766$1,813$1,154$717$437$39
38 years$2,664$1,723$1,080$661$396$33
39 years$2,567$1,639$1,012$609$360$28
40 years$2,475$1,559$949$562$326$23
41 years$2,387$1,484$890$518$296$19
42 years$2,304$1,413$835$478$268$16
43 years$2,226$1,347$783$442$244$14
44 years$2,151$1,284$735$408$221$11
45 years$2,079$1,224$690$377$201$10
46 years$2,011$1,168$648$348$182$8
47 years$1,946$1,114$609$321$166$7
48 years$1,884$1,064$572$297$150$6
49 years$1,824$1,016$538$274$137$5
50 years$1,767$970$506$254$124$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $1,810,000, adding $3,992 every year, while hoping to spend $42,115 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: 64/9/27 Blend
39$1,810,000$1,810,000$1,810,000$1,810,000
40$1,998,738$1,902,808$1,874,753$2,112,130
41$2,157,799$1,951,235$1,892,747$2,237,758
42$2,331,673$2,000,624$1,909,932$2,369,958
43$2,521,826$2,050,977$1,926,238$2,513,487
44$2,729,873$2,102,296$1,941,587$2,669,465
45$2,957,591$2,154,580$1,955,902$2,839,123
46$3,206,939$2,207,828$1,969,098$3,023,818
47$3,480,072$2,262,037$1,981,088$3,225,047
48$3,779,365$2,317,201$1,991,780$3,444,457
49$4,107,431$2,373,316$2,001,076$3,683,866
50$4,467,151$2,430,370$2,008,874$3,945,274
51$4,861,697$2,488,355$2,015,067$4,230,889
52$5,294,562$2,547,256$2,019,544$4,543,141
53$5,769,593$2,607,057$2,022,185$4,884,710
54$6,291,030$2,667,741$2,022,866$5,258,550
55$6,863,541$2,729,286$2,021,458$5,667,914
56$7,492,269$2,791,668$2,017,823$6,116,390
57$8,182,879$2,854,859$2,011,819$6,607,931
58$8,941,614$2,918,828$2,003,296$7,146,895
59$9,775,347$2,983,540$1,992,096$7,738,083
60$10,691,655$3,048,955$1,978,053$8,386,788
61$11,698,882$3,115,032$1,960,996$9,098,844
62$12,806,221$3,181,722$1,940,743$9,880,680
63$14,023,802$3,248,973$1,917,104$10,739,381
64$15,362,783$3,316,726$1,889,880$11,682,757
65$16,835,460$3,384,918$1,858,864$12,719,417
66$18,455,378$3,453,480$1,823,837$13,858,846
67$20,237,464$3,522,338$1,784,572$15,111,500
68$22,198,160$3,591,407$1,740,831$16,488,904
69$24,355,586$3,660,600$1,692,363$18,003,758
70$26,729,707$3,729,820$1,638,907$19,670,061
71$29,342,517$3,798,962$1,580,191$21,503,241
72$32,218,256$3,867,913$1,515,929$23,520,301
73$35,383,628$3,936,550$1,445,823$25,739,983
74$38,868,060$4,004,743$1,369,560$28,182,940
75$42,703,976$4,072,350$1,286,814$30,871,937
76$46,927,103$4,139,217$1,197,244$33,832,062
77$51,576,811$4,205,181$1,100,495$37,090,967
78$56,696,477$4,270,067$996,193$40,679,126
79$62,333,903$4,333,685$883,951$44,630,125
80$68,541,759$4,395,834$763,361$48,980,981
81$75,378,085$4,456,297$634,001$53,772,488
82$82,906,837$4,514,842$495,426$59,049,609
83$91,198,486$4,571,221$347,175$64,861,894
84$100,330,691$4,625,170$188,765$71,263,954
85$110,389,025$4,676,407$19,692$78,315,976
86$121,467,784$4,724,629$0$86,084,289
87$133,670,877$4,769,515$0$94,688,304
88$147,112,807$4,810,722$0$104,171,341
89$161,919,750$4,847,885$0$114,616,676
90$178,230,747$4,880,613$0$126,122,333
91$196,199,014$4,908,494$0$138,796,332
92$215,993,389$4,931,085$0$152,757,709
93$237,799,925$4,947,919$0$168,137,637
94$261,823,648$4,958,497$0$185,080,668
95$288,290,486$4,962,290$0$203,746,095
96$317,449,407$4,958,734$0$224,309,454
97$349,574,768$4,947,233$0$246,964,186
98$384,968,899$4,927,152$0$271,923,457
99$423,964,963$4,897,819$0$299,422,175
100$466,930,096$4,858,519$0$329,719,206