Can I retire at age 40 with 2,650,000?

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 $2,650,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$218,835$216,885$214,983$213,127$211,315$203,655
2 years$108,334$106,316$104,361$102,465$100,626$92,993
3 years$71,505$69,479$67,528$65,650$63,841$56,475
4 years$53,094$51,074$49,143$47,297$45,532$38,489
5 years$42,051$40,043$38,137$36,329$34,613$27,911
6 years$34,691$32,698$30,821$29,053$27,388$21,032
7 years$29,436$27,460$25,612$23,886$22,274$16,263
8 years$25,496$23,538$21,721$20,037$18,478$12,807
9 years$22,434$20,494$18,708$17,067$15,561$10,222
10 years$19,985$18,065$16,310$14,712$13,259$8,242
11 years$17,983$16,082$14,359$12,804$11,403$6,698
12 years$16,316$14,434$12,744$11,231$9,882$5,478
13 years$14,907$13,044$11,386$9,915$8,617$4,501
14 years$13,699$11,857$10,230$8,801$7,554$3,714
15 years$12,654$10,831$9,236$7,849$6,651$3,074
16 years$11,740$9,938$8,374$7,028$5,878$2,550
17 years$10,935$9,152$7,620$6,315$5,212$2,121
18 years$10,220$8,457$6,956$5,691$4,634$1,767
19 years$9,581$7,838$6,368$5,142$4,131$1,474
20 years$9,007$7,283$5,844$4,657$3,689$1,231
21 years$8,487$6,784$5,376$4,227$3,302$1,029
22 years$8,016$6,333$4,954$3,843$2,959$861
23 years$7,587$5,923$4,575$3,500$2,657$721
24 years$7,193$5,549$4,231$3,192$2,388$604
25 years$6,832$5,208$3,918$2,915$2,149$507
26 years$6,499$4,895$3,634$2,666$1,935$425
27 years$6,192$4,606$3,375$2,440$1,745$356
28 years$5,906$4,341$3,137$2,235$1,575$299
29 years$5,641$4,095$2,919$2,050$1,422$251
30 years$5,394$3,867$2,719$1,881$1,285$211
31 years$5,164$3,656$2,535$1,728$1,161$177
32 years$4,948$3,459$2,365$1,588$1,051$149
33 years$4,746$3,276$2,209$1,460$951$125
34 years$4,556$3,105$2,064$1,344$861$105
35 years$4,377$2,945$1,929$1,237$780$88
36 years$4,209$2,795$1,805$1,139$706$74
37 years$4,050$2,655$1,689$1,050$640$62
38 years$3,900$2,523$1,582$967$580$52
39 years$3,758$2,399$1,482$892$526$44
40 years$3,623$2,282$1,389$823$477$37
41 years$3,495$2,173$1,303$759$433$31
42 years$3,374$2,069$1,222$701$393$26
43 years$3,258$1,971$1,147$647$357$22
44 years$3,149$1,879$1,076$597$324$18
45 years$3,044$1,792$1,011$551$294$15
46 years$2,944$1,710$949$509$267$13
47 years$2,849$1,631$892$471$242$11
48 years$2,758$1,557$838$435$220$9
49 years$2,671$1,487$788$402$200$8
50 years$2,587$1,421$740$371$182$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $2,650,000, adding $4,661 every year, while hoping to spend $25,974 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: 43/49/8 Blend
39$2,650,000$2,650,000$2,650,000$2,650,000
40$2,925,108$2,784,658$2,743,583$3,043,934
41$3,195,833$2,893,470$2,807,857$3,235,753
42$3,493,301$3,006,743$2,873,413$3,440,417
43$3,820,213$3,124,669$2,940,268$3,661,533
44$4,179,544$3,247,447$3,008,436$3,900,616
45$4,574,571$3,375,286$3,077,932$4,159,327
46$5,008,905$3,508,403$3,148,771$4,439,491
47$5,486,525$3,647,026$3,220,967$4,743,111
48$6,011,814$3,791,393$3,294,532$5,072,387
49$6,589,601$3,941,753$3,369,480$5,429,736
50$7,225,205$4,098,365$3,445,824$5,817,815
51$7,924,491$4,261,500$3,523,574$6,239,541
52$8,693,917$4,431,441$3,602,741$6,698,122
53$9,540,600$4,608,485$3,683,336$7,197,083
54$10,472,382$4,792,941$3,765,369$7,740,301
55$11,497,902$4,985,132$3,848,846$8,332,036
56$12,626,682$5,185,397$3,933,776$8,976,975
57$13,869,211$5,394,089$4,020,165$9,680,270
58$15,237,048$5,611,577$4,108,018$10,447,589
59$16,742,929$5,838,247$4,197,339$11,285,165
60$18,400,889$6,074,503$4,288,131$12,199,858
61$20,226,392$6,320,765$4,380,395$13,199,211
62$22,236,477$6,577,476$4,474,132$14,291,526
63$24,449,921$6,845,096$4,569,339$15,485,938
64$26,887,415$7,124,107$4,666,013$16,792,497
65$29,571,756$7,415,013$4,764,149$18,222,267
66$32,528,067$7,718,340$4,863,740$19,787,421
67$35,784,032$8,034,641$4,964,777$21,501,362
68$39,370,155$8,364,490$5,067,250$23,378,838
69$43,320,052$8,708,491$5,171,143$25,436,088
70$47,670,763$9,067,274$5,276,443$27,690,986
71$52,463,107$9,441,497$5,383,130$30,163,213
72$57,742,063$9,831,849$5,491,184$32,874,433
73$63,557,196$10,239,052$5,600,581$35,848,504
74$69,963,124$10,663,859$5,711,294$39,111,692
75$77,020,034$11,107,059$5,823,294$42,692,919
76$84,794,249$11,569,478$5,936,546$46,624,037
77$93,358,858$12,051,977$6,051,015$50,940,118
78$102,794,397$12,555,460$6,166,660$55,679,787
79$113,189,619$13,080,870$6,283,437$60,885,581
80$124,642,325$13,629,198$6,401,297$66,604,350
81$137,260,288$14,201,475$6,520,186$72,887,691
82$151,162,274$14,798,784$6,640,049$79,792,431
83$166,479,158$15,422,256$6,760,823$87,381,165
84$183,355,161$16,073,076$6,882,440$95,722,837
85$201,949,214$16,752,482$7,004,827$104,893,388
86$222,436,452$17,461,772$7,127,907$114,976,470
87$245,009,873$18,202,303$7,251,596$126,064,226
88$269,882,158$18,975,493$7,375,802$138,258,160
89$297,287,677$19,782,831$7,500,430$151,670,087
90$327,484,700$20,625,870$7,625,375$166,423,182
91$360,757,842$21,506,240$7,750,527$182,653,139
92$397,420,739$22,425,643$7,875,766$200,509,446
93$437,819,018$23,385,863$8,000,968$220,156,788
94$482,333,554$24,388,766$8,125,997$241,776,594
95$531,384,068$25,436,308$8,250,710$265,568,747
96$585,433,089$26,530,532$8,374,954$291,753,458
97$644,990,316$27,673,581$8,498,568$320,573,343
98$710,617,437$28,867,695$8,621,378$352,295,700
99$782,933,425$30,115,221$8,743,204$387,215,027
100$862,620,383$31,418,616$8,863,850$425,655,793