Can I retire at age 40 with 335,000?

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 $335,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$27,664$27,418$27,177$26,943$26,713$26,142
2 years$13,695$13,440$13,193$12,953$12,721$12,148
3 years$9,039$8,783$8,537$8,299$8,071$7,514
4 years$6,712$6,457$6,212$5,979$5,756$5,220
5 years$5,316$5,062$4,821$4,593$4,376$3,862
6 years$4,385$4,134$3,896$3,673$3,462$2,971
7 years$3,721$3,471$3,238$3,020$2,816$2,348
8 years$3,223$2,976$2,746$2,533$2,336$1,891
9 years$2,836$2,591$2,365$2,158$1,967$1,544
10 years$2,526$2,284$2,062$1,860$1,676$1,275
11 years$2,273$2,033$1,815$1,619$1,442$1,062
12 years$2,063$1,825$1,611$1,420$1,249$890
13 years$1,884$1,649$1,439$1,253$1,089$751
14 years$1,732$1,499$1,293$1,113$955$636
15 years$1,600$1,369$1,168$992$841$540
16 years$1,484$1,256$1,059$888$743$461
17 years$1,382$1,157$963$798$659$394
18 years$1,292$1,069$879$719$586$338
19 years$1,211$991$805$650$522$290
20 years$1,139$921$739$589$466$249
21 years$1,073$858$680$534$417$215
22 years$1,013$801$626$486$374$185
23 years$959$749$578$442$336$160
24 years$909$702$535$404$302$138
25 years$864$658$495$369$272$119
26 years$822$619$459$337$245$103
27 years$783$582$427$308$221$89
28 years$747$549$397$283$199$77
29 years$713$518$369$259$180$67
30 years$682$489$344$238$162$58
31 years$653$462$320$218$147$50
32 years$625$437$299$201$133$43
33 years$600$414$279$185$120$38
34 years$576$392$261$170$109$33
35 years$553$372$244$156$99$28
36 years$532$353$228$144$89$25
37 years$512$336$214$133$81$21
38 years$493$319$200$122$73$18
39 years$475$303$187$113$67$16
40 years$458$289$176$104$60$14
41 years$442$275$165$96$55$12
42 years$427$262$154$89$50$10
43 years$412$249$145$82$45$9
44 years$398$238$136$75$41$8
45 years$385$227$128$70$37$7
46 years$372$216$120$64$34$6
47 years$360$206$113$59$31$5
48 years$349$197$106$55$28$4
49 years$338$188$100$51$25$4
50 years$327$180$94$47$23$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $335,000, adding $2,934 every year, while hoping to spend $22,057 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: 74/13/13 Blend
39$335,000$335,000$335,000$335,000
40$372,196$354,441$349,249$398,516
41$386,692$348,341$337,480$410,208
42$401,927$341,202$324,578$419,988
43$417,953$332,950$310,481$430,104
44$434,827$323,508$295,126$440,582
45$452,612$312,792$278,444$451,452
46$471,373$300,713$260,367$462,748
47$491,185$287,180$240,821$474,506
48$512,127$272,093$219,729$486,770
49$534,286$255,348$197,013$499,584
50$557,759$236,835$172,588$513,001
51$582,648$216,438$146,368$527,078
52$609,068$194,034$118,261$541,878
53$637,143$169,492$88,173$557,473
54$667,010$142,674$56,004$573,942
55$698,816$113,436$21,652$591,372
56$732,725$81,625$0$609,861
57$768,916$47,077$0$631,599
58$807,584$9,623$0$657,966
59$848,943$0$0$686,105
60$893,230$0$0$720,605
61$940,701$0$0$759,070
62$991,639$0$0$800,356
63$1,046,355$0$0$844,714
64$1,105,190$0$0$892,423
65$1,168,517$0$0$943,786
66$1,236,747$0$0$999,140
67$1,310,332$0$0$1,058,850
68$1,389,766$0$0$1,123,322
69$1,475,595$0$0$1,192,999
70$1,568,417$0$0$1,268,368
71$1,668,889$0$0$1,349,966
72$1,777,736$0$0$1,438,382
73$1,895,750$0$0$1,534,264
74$2,023,809$0$0$1,638,325
75$2,162,871$0$0$1,751,348
76$2,313,996$0$0$1,874,196
77$2,478,348$0$0$2,007,817
78$2,657,205$0$0$2,153,255
79$2,851,976$0$0$2,311,657
80$3,064,212$0$0$2,484,288
81$3,295,618$0$0$2,672,538
82$3,548,072$0$0$2,877,937
83$3,823,639$0$0$3,102,170
84$4,124,594$0$0$3,347,091
85$4,453,442$0$0$3,614,742
86$4,812,938$0$0$3,907,371
87$5,206,118$0$0$4,227,451
88$5,636,324$0$0$4,577,707
89$6,107,236$0$0$4,961,139
90$6,622,904$0$0$5,381,052
91$7,187,791$0$0$5,841,083
92$7,806,812$0$0$6,345,239
93$8,485,377$0$0$6,897,932
94$9,229,448$0$0$7,504,022
95$10,045,588$0$0$8,168,863
96$10,941,029$0$0$8,898,349
97$11,923,735$0$0$9,698,975
98$13,002,479$0$0$10,577,894
99$14,186,924$0$0$11,542,986
100$15,487,715$0$0$12,602,931