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%12.5%
1 years$149,468$148,137$146,838$145,570$144,332$142,825
2 years$73,994$72,616$71,280$69,986$68,729$67,212
3 years$48,839$47,455$46,123$44,840$43,605$42,123
4 years$36,265$34,885$33,566$32,305$31,099$29,666
5 years$28,722$27,350$26,048$24,813$23,641$22,260
6 years$23,695$22,333$21,051$19,843$18,706$17,379
7 years$20,105$18,756$17,494$16,314$15,213$13,940
8 years$17,414$16,077$14,836$13,686$12,621$11,402
9 years$15,323$13,998$12,778$11,657$10,629$9,464
10 years$13,650$12,338$11,140$10,049$9,056$7,944
11 years$12,283$10,984$9,808$8,745$7,789$6,729
12 years$11,144$9,859$8,704$7,671$6,749$5,741
13 years$10,182$8,909$7,777$6,772$5,886$4,927
14 years$9,357$8,098$6,987$6,012$5,159$4,249
15 years$8,643$7,398$6,309$5,361$4,543$3,680
16 years$8,019$6,788$5,720$4,800$4,015$3,198
17 years$7,469$6,251$5,205$4,313$3,560$2,787
18 years$6,980$5,776$4,751$3,887$3,165$2,435
19 years$6,544$5,353$4,349$3,512$2,821$2,132
20 years$6,152$4,975$3,992$3,181$2,520$1,870
21 years$5,797$4,634$3,672$2,887$2,255$1,643
22 years$5,475$4,325$3,384$2,625$2,021$1,446
23 years$5,182$4,045$3,124$2,391$1,815$1,274
24 years$4,913$3,790$2,890$2,180$1,631$1,123
25 years$4,666$3,557$2,676$1,991$1,468$992
26 years$4,439$3,343$2,482$1,821$1,322$876
27 years$4,229$3,146$2,305$1,666$1,192$775
28 years$4,034$2,965$2,143$1,527$1,075$685
29 years$3,853$2,797$1,994$1,400$971$606
30 years$3,684$2,641$1,857$1,285$877$537
31 years$3,527$2,497$1,732$1,180$793$476
32 years$3,380$2,363$1,616$1,085$718$422
33 years$3,241$2,237$1,508$997$649$374
34 years$3,112$2,121$1,409$918$588$332
35 years$2,990$2,011$1,318$845$533$294
36 years$2,875$1,909$1,233$778$483$261
37 years$2,766$1,813$1,154$717$437$232
38 years$2,664$1,723$1,080$661$396$206
39 years$2,567$1,639$1,012$609$360$182
40 years$2,475$1,559$949$562$326$162
41 years$2,387$1,484$890$518$296$144
42 years$2,304$1,413$835$478$268$128
43 years$2,226$1,347$783$442$244$113
44 years$2,151$1,284$735$408$221$101
45 years$2,079$1,224$690$377$201$90
46 years$2,011$1,168$648$348$182$80
47 years$1,946$1,114$609$321$166$71
48 years$1,884$1,064$572$297$150$63
49 years$1,824$1,016$538$274$137$56
50 years$1,767$970$506$254$124$50

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 $6,442 every year, while hoping to spend $55,728 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: 63/16/21 Blend
39$1,810,000$1,810,000$1,810,000$1,810,000
40$2,001,265$1,905,335$1,877,280$2,116,099
41$2,146,100$1,939,402$1,880,875$2,228,368
42$2,303,840$1,973,271$1,882,722$2,344,114
43$2,475,743$2,006,873$1,882,705$2,469,248
44$2,663,193$2,040,134$1,880,699$2,604,692
45$2,867,713$2,072,974$1,876,577$2,751,462
46$3,090,980$2,105,310$1,870,202$2,910,678
47$3,334,838$2,137,049$1,861,433$3,083,575
48$3,601,321$2,168,093$1,850,120$3,271,517
49$3,892,664$2,198,338$1,836,107$3,476,003
50$4,211,330$2,227,672$1,819,232$3,698,691
51$4,560,032$2,255,973$1,799,321$3,941,404
52$4,941,753$2,283,114$1,776,197$4,206,157
53$5,359,784$2,308,958$1,749,671$4,495,167
54$5,817,743$2,333,359$1,719,547$4,810,881
55$6,319,619$2,356,160$1,685,618$5,155,998
56$6,869,803$2,377,194$1,647,669$5,533,492
57$7,473,132$2,396,286$1,605,475$5,946,641
58$8,134,933$2,413,245$1,558,799$6,399,061
59$8,861,072$2,427,870$1,507,395$6,894,740
60$9,658,014$2,439,948$1,451,005$7,438,071
61$10,532,877$2,449,251$1,389,360$8,033,902
62$11,493,503$2,455,537$1,322,176$8,687,575
63$12,548,530$2,458,548$1,249,158$9,404,980
64$13,707,475$2,458,012$1,170,000$10,192,611
65$14,980,821$2,453,638$1,084,378$11,057,628
66$16,380,116$2,445,117$991,956$12,007,925
67$17,918,083$2,432,124$892,382$13,052,204
68$19,608,740$2,414,310$785,290$14,200,057
69$21,467,529$2,391,309$670,294$15,462,063
70$23,511,463$2,362,729$546,995$16,849,880
71$25,759,287$2,328,158$414,975$18,376,362
72$28,231,654$2,287,157$273,795$20,055,680
73$30,951,317$2,239,261$123,002$21,903,453
74$33,943,346$2,183,980$0$23,936,902
75$37,235,365$2,120,793$0$26,183,507
76$40,857,808$2,049,148$0$28,685,661
77$44,844,211$1,968,462$0$31,438,955
78$49,231,522$1,878,118$0$34,468,940
79$54,060,454$1,777,463$0$37,803,769
80$59,375,868$1,665,807$0$41,474,471
81$65,227,194$1,542,418$0$45,515,240
82$71,668,897$1,406,526$0$49,963,758
83$78,760,992$1,257,314$0$54,861,553
84$86,569,610$1,093,919$0$60,254,393
85$95,167,619$915,430$0$66,192,712
86$104,635,315$720,884$0$72,732,093
87$115,061,174$509,265$0$79,933,792
88$126,542,692$279,497$0$87,865,314
89$139,187,301$30,447$0$96,601,053
90$153,113,384$0$0$106,222,996
91$168,451,390$0$0$116,863,590
92$185,345,067$0$0$128,589,501
93$203,952,815$0$0$141,505,339
94$224,449,184$0$0$155,732,284
95$247,026,517$0$0$171,403,868
96$271,896,770$0$0$188,667,242
97$299,293,505$0$0$207,684,555
98$329,474,099$0$0$228,634,492
99$362,722,174$0$0$251,713,954
100$399,350,265$0$0$277,139,923