Can I retire at age 40 with 4,100,000?

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 $4,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$338,574$335,558$332,616$329,744$326,940$318,519
2 years$167,611$164,489$161,464$158,531$155,686$147,258
3 years$110,631$107,496$104,478$101,572$98,773$90,602
4 years$82,146$79,021$76,033$73,177$70,446$62,595
5 years$65,060$61,953$59,005$56,207$53,552$46,042
6 years$53,673$50,589$47,685$44,949$42,374$35,212
7 years$45,542$42,485$39,626$36,955$34,461$27,649
8 years$39,447$36,417$33,606$31,001$28,589$22,123
9 years$34,709$31,708$28,945$26,406$24,076$17,950
10 years$30,921$27,949$25,235$22,762$20,514$14,721
11 years$27,823$24,881$22,216$19,810$17,643$12,174
12 years$25,244$22,332$19,716$17,376$15,289$10,135
13 years$23,063$20,182$17,615$15,340$13,332$8,482
14 years$21,195$18,345$15,827$13,617$11,687$7,130
15 years$19,578$16,758$14,290$12,144$10,290$6,015
16 years$18,165$15,375$12,956$10,874$9,094$5,089
17 years$16,918$14,160$11,790$9,770$8,064$4,317
18 years$15,812$13,085$10,762$8,805$7,170$3,669
19 years$14,823$12,127$9,852$7,956$6,391$3,124
20 years$13,935$11,269$9,042$7,206$5,708$2,664
21 years$13,132$10,496$8,317$6,540$5,108$2,274
22 years$12,402$9,798$7,665$5,946$4,579$1,943
23 years$11,738$9,164$7,078$5,415$4,110$1,662
24 years$11,129$8,586$6,546$4,939$3,694$1,423
25 years$10,570$8,057$6,062$4,510$3,324$1,219
26 years$10,055$7,573$5,623$4,124$2,994$1,044
27 years$9,579$7,127$5,221$3,775$2,700$896
28 years$9,138$6,716$4,854$3,459$2,436$768
29 years$8,728$6,335$4,517$3,172$2,200$659
30 years$8,346$5,983$4,207$2,911$1,988$566
31 years$7,989$5,656$3,922$2,673$1,797$486
32 years$7,655$5,352$3,660$2,457$1,625$417
33 years$7,342$5,068$3,417$2,259$1,471$358
34 years$7,049$4,803$3,193$2,079$1,332$308
35 years$6,772$4,556$2,985$1,914$1,206$264
36 years$6,512$4,324$2,792$1,762$1,093$227
37 years$6,266$4,107$2,614$1,624$991$195
38 years$6,034$3,903$2,447$1,497$898$168
39 years$5,814$3,712$2,293$1,380$814$144
40 years$5,605$3,531$2,149$1,273$739$124
41 years$5,408$3,361$2,015$1,174$670$107
42 years$5,220$3,201$1,890$1,084$608$92
43 years$5,041$3,050$1,774$1,000$552$79
44 years$4,871$2,907$1,665$924$501$68
45 years$4,709$2,773$1,563$853$455$58
46 years$4,555$2,645$1,468$788$413$50
47 years$4,408$2,524$1,380$728$375$43
48 years$4,267$2,410$1,296$673$341$37
49 years$4,132$2,301$1,219$622$309$32
50 years$4,003$2,198$1,146$575$281$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $4,100,000, adding $6,421 every year, while hoping to spend $59,728 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: 46/44/10 Blend
39$4,100,000$4,100,000$4,100,000$4,100,000
40$4,524,823$4,307,523$4,243,973$4,720,043
41$4,922,805$4,455,042$4,322,596$5,003,043
42$5,359,379$4,607,787$4,401,851$5,303,187
43$5,838,419$4,765,952$4,481,696$5,627,424
44$6,364,191$4,929,736$4,562,086$5,978,006
45$6,941,395$5,099,350$4,642,973$6,357,407
46$7,575,207$5,275,008$4,724,302$6,768,344
47$8,271,330$5,456,936$4,806,019$7,213,806
48$9,036,047$5,645,367$4,888,061$7,697,081
49$9,876,278$5,840,543$4,970,365$8,221,782
50$10,799,647$6,042,718$5,052,861$8,791,882
51$11,814,553$6,252,154$5,135,474$9,411,753
52$12,930,249$6,469,121$5,218,124$10,086,203
53$14,156,931$6,693,905$5,300,728$10,820,523
54$15,505,830$6,926,798$5,383,195$11,620,533
55$16,989,321$7,168,108$5,465,428$12,492,637
56$18,621,038$7,418,151$5,547,326$13,443,883
57$20,416,002$7,677,259$5,628,779$14,482,027
58$22,390,765$7,945,775$5,709,674$15,615,607
59$24,563,562$8,224,056$5,789,887$16,854,018
60$26,954,485$8,512,475$5,869,288$18,207,605
61$29,585,674$8,811,418$5,947,741$19,687,755
62$32,481,522$9,121,287$6,025,100$21,307,004
63$35,668,908$9,442,500$6,101,210$23,079,154
64$39,177,445$9,775,492$6,175,910$25,019,403
65$43,039,769$10,120,715$6,249,027$27,144,483
66$47,291,836$10,478,640$6,320,380$29,472,821
67$51,973,266$10,849,757$6,389,776$32,024,709
68$57,127,719$11,234,575$6,457,013$34,822,492
69$62,803,302$11,633,624$6,521,878$37,890,780
70$69,053,023$12,047,456$6,584,146$41,256,675
71$75,935,295$12,476,645$6,643,578$44,950,028
72$83,514,483$12,921,789$6,699,926$49,003,719
73$91,861,512$13,383,509$6,752,926$53,453,960
74$101,054,538$13,862,452$6,802,300$58,340,641
75$111,179,682$14,359,293$6,847,758$63,707,699
76$122,331,844$14,874,733$6,888,993$69,603,534
77$134,615,600$15,409,503$6,925,681$76,081,461
78$148,146,184$15,964,362$6,957,485$83,200,212
79$163,050,582$16,540,103$6,984,048$91,024,486
80$179,468,724$17,137,549$7,004,996$99,625,560
81$197,554,805$17,757,561$7,019,935$109,081,955
82$217,478,746$18,401,032$7,028,453$119,480,177
83$239,427,789$19,068,894$7,030,117$130,915,529
84$263,608,270$19,762,116$7,024,473$143,493,008
85$290,247,564$20,481,710$7,011,043$157,328,292
86$319,596,230$21,228,728$6,989,327$172,548,830
87$351,930,377$22,004,268$6,958,802$189,295,040
88$387,554,271$22,809,472$6,918,917$207,721,631
89$426,803,202$23,645,532$6,869,096$227,999,060
90$470,046,654$24,513,688$6,808,736$250,315,135
91$517,691,787$25,415,234$6,737,204$274,876,788
92$570,187,287$26,351,517$6,653,837$301,912,020
93$628,027,591$27,323,943$6,557,942$331,672,048
94$691,757,565$28,333,975$6,448,792$364,433,677
95$761,977,637$29,383,141$6,325,627$400,501,904
96$839,349,472$30,473,030$6,187,651$440,212,792
97$924,602,212$31,605,303$6,034,032$483,936,638
98$1,018,539,364$32,781,689$5,863,898$532,081,465
99$1,122,046,378$34,003,991$5,676,338$585,096,865
100$1,236,099,012$35,274,090$5,470,399$643,478,238