Can I retire at age 40 with 1,900,000?

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 $1,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$156,900$155,503$154,139$152,808$151,509$148,937
2 years$77,673$76,227$74,825$73,465$72,147$69,564
3 years$51,268$49,815$48,417$47,070$45,773$43,260
4 years$38,068$36,619$35,235$33,911$32,646$30,221
5 years$30,150$28,710$27,344$26,047$24,817$22,487
6 years$24,873$23,444$22,098$20,830$19,637$17,405
7 years$21,105$19,688$18,363$17,126$15,970$13,837
8 years$18,280$16,876$15,574$14,366$13,249$11,214
9 years$16,085$14,694$13,414$12,237$11,157$9,220
10 years$14,329$12,952$11,694$10,548$9,506$7,665
11 years$12,894$11,530$10,295$9,180$8,176$6,428
12 years$11,698$10,349$9,137$8,052$7,085$5,428
13 years$10,688$9,353$8,163$7,109$6,178$4,610
14 years$9,822$8,501$7,335$6,310$5,416$3,934
15 years$9,073$7,766$6,622$5,628$4,769$3,369
16 years$8,418$7,125$6,004$5,039$4,214$2,896
17 years$7,840$6,562$5,463$4,528$3,737$2,495
18 years$7,328$6,064$4,987$4,080$3,323$2,155
19 years$6,869$5,620$4,566$3,687$2,962$1,865
20 years$6,457$5,222$4,190$3,339$2,645$1,617
21 years$6,085$4,864$3,854$3,031$2,367$1,404
22 years$5,747$4,540$3,552$2,755$2,122$1,220
23 years$5,439$4,247$3,280$2,509$1,905$1,062
24 years$5,157$3,979$3,033$2,289$1,712$925
25 years$4,898$3,734$2,809$2,090$1,541$806
26 years$4,660$3,509$2,606$1,911$1,388$703
27 years$4,439$3,303$2,420$1,749$1,251$614
28 years$4,235$3,112$2,249$1,603$1,129$536
29 years$4,045$2,936$2,093$1,470$1,019$468
30 years$3,868$2,773$1,950$1,349$921$409
31 years$3,702$2,621$1,818$1,239$833$358
32 years$3,548$2,480$1,696$1,139$753$313
33 years$3,403$2,349$1,583$1,047$682$274
34 years$3,266$2,226$1,479$963$617$240
35 years$3,138$2,111$1,383$887$559$210
36 years$3,018$2,004$1,294$817$507$184
37 years$2,904$1,903$1,211$752$459$161
38 years$2,796$1,809$1,134$694$416$141
39 years$2,694$1,720$1,063$640$377$123
40 years$2,598$1,636$996$590$342$108
41 years$2,506$1,558$934$544$311$95
42 years$2,419$1,484$876$502$282$83
43 years$2,336$1,414$822$464$256$73
44 years$2,257$1,347$772$428$232$64
45 years$2,182$1,285$725$395$211$56
46 years$2,111$1,226$681$365$191$49
47 years$2,043$1,170$639$337$174$43
48 years$1,977$1,117$601$312$158$37
49 years$1,915$1,066$565$288$143$33
50 years$1,855$1,019$531$266$130$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $1,900,000, adding $4,898 every year, while hoping to spend $59,904 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: 52/34/14 Blend
39$1,900,000$1,900,000$1,900,000$1,900,000
40$2,098,852$1,998,152$1,968,702$2,199,863
41$2,249,198$2,032,324$1,970,916$2,303,642
42$2,412,871$2,066,163$1,971,197$2,409,693
43$2,591,168$2,099,589$1,969,416$2,523,682
44$2,785,514$2,132,517$1,965,439$2,646,378
45$2,997,481$2,164,854$1,959,126$2,778,627
46$3,228,795$2,196,503$1,950,328$2,921,363
47$3,481,359$2,227,359$1,938,890$3,075,617
48$3,757,267$2,257,308$1,924,652$3,242,524
49$4,058,822$2,286,230$1,907,441$3,423,338
50$4,388,562$2,313,996$1,887,081$3,619,441
51$4,749,282$2,340,468$1,863,385$3,832,359
52$5,144,058$2,365,500$1,836,158$4,063,773
53$5,576,277$2,388,934$1,805,194$4,315,540
54$6,049,669$2,410,604$1,770,280$4,589,706
55$6,568,342$2,430,331$1,731,191$4,888,530
56$7,136,821$2,447,925$1,687,694$5,214,503
57$7,760,087$2,463,184$1,639,542$5,570,373
58$8,443,629$2,475,893$1,586,480$5,959,170
59$9,193,491$2,485,823$1,528,238$6,384,239
60$10,016,329$2,492,731$1,464,537$6,849,266
61$10,919,478$2,496,358$1,395,083$7,358,320
62$11,911,015$2,496,430$1,319,568$7,915,888
63$12,999,838$2,492,655$1,237,673$8,526,917
64$14,195,749$2,484,722$1,149,062$9,196,867
65$15,509,545$2,472,303$1,053,386$9,931,757
66$16,953,122$2,455,049$950,278$10,738,226
67$18,539,585$2,432,591$839,356$11,623,598
68$20,283,370$2,404,535$720,221$12,595,947
69$22,200,382$2,370,466$592,458$13,664,179
70$24,308,145$2,329,943$455,629$14,838,117
71$26,625,965$2,282,499$309,282$16,128,591
72$29,175,112$2,227,640$152,941$17,547,546
73$31,979,020$2,164,841$0$19,108,152
74$35,063,511$2,093,549$0$20,827,010
75$38,457,032$2,013,176$0$22,742,575
76$42,190,930$1,923,102$0$24,849,717
77$46,299,740$1,822,669$0$27,167,991
78$50,821,517$1,711,184$0$29,718,957
79$55,798,190$1,587,910$0$32,526,378
80$61,275,960$1,452,072$0$35,616,453
81$67,305,732$1,302,848$0$39,018,058
82$73,943,600$1,139,370$0$42,763,028
83$81,251,369$960,721$0$46,886,451
84$89,297,144$765,932$0$51,427,010
85$98,155,970$553,980$0$56,427,341
86$107,910,538$323,784$0$61,934,444
87$118,651,965$74,202$0$68,000,126
88$130,480,656$0$0$74,681,491
89$143,507,249$0$0$82,114,806
90$157,853,657$0$0$90,332,073
91$173,654,222$0$0$99,382,511
92$191,056,979$0$0$109,350,945
93$210,225,053$0$0$120,330,849
94$231,338,199$0$0$132,425,226
95$254,594,496$0$0$145,747,579
96$280,212,219$0$0$160,422,984
97$308,431,897$0$0$176,589,268
98$339,518,579$0$0$194,398,312
99$373,764,342$0$0$214,017,483
100$411,491,042$0$0$235,631,211