Can I retire at age 40 with 443,000?

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 $443,000?

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$36,583$36,257$35,939$35,628$35,325$34,957
2 years$18,110$17,773$17,446$17,129$16,822$16,450
3 years$11,954$11,615$11,289$10,975$10,672$10,310
4 years$8,876$8,538$8,215$7,907$7,612$7,261
5 years$7,030$6,694$6,375$6,073$5,786$5,448
6 years$5,799$5,466$5,152$4,857$4,578$4,254
7 years$4,921$4,590$4,282$3,993$3,723$3,412
8 years$4,262$3,935$3,631$3,350$3,089$2,791
9 years$3,750$3,426$3,127$2,853$2,601$2,316
10 years$3,341$3,020$2,727$2,459$2,217$1,944
11 years$3,006$2,688$2,400$2,140$1,906$1,647
12 years$2,728$2,413$2,130$1,877$1,652$1,405
13 years$2,492$2,181$1,903$1,657$1,441$1,206
14 years$2,290$1,982$1,710$1,471$1,263$1,040
15 years$2,115$1,811$1,544$1,312$1,112$901
16 years$1,963$1,661$1,400$1,175$983$783
17 years$1,828$1,530$1,274$1,056$871$682
18 years$1,708$1,414$1,163$951$775$596
19 years$1,602$1,310$1,065$860$691$522
20 years$1,506$1,218$977$779$617$458
21 years$1,419$1,134$899$707$552$402
22 years$1,340$1,059$828$642$495$354
23 years$1,268$990$765$585$444$312
24 years$1,203$928$707$534$399$275
25 years$1,142$871$655$487$359$243
26 years$1,086$818$608$446$324$214
27 years$1,035$770$564$408$292$190
28 years$987$726$524$374$263$168
29 years$943$685$488$343$238$148
30 years$902$646$455$315$215$131
31 years$863$611$424$289$194$116
32 years$827$578$395$265$176$103
33 years$793$548$369$244$159$91
34 years$762$519$345$225$144$81
35 years$732$492$323$207$130$72
36 years$704$467$302$190$118$64
37 years$677$444$282$175$107$57
38 years$652$422$264$162$97$50
39 years$628$401$248$149$88$45
40 years$606$382$232$138$80$40
41 years$584$363$218$127$72$35
42 years$564$346$204$117$66$31
43 years$545$330$192$108$60$28
44 years$526$314$180$100$54$25
45 years$509$300$169$92$49$22
46 years$492$286$159$85$45$19
47 years$476$273$149$79$41$17
48 years$461$260$140$73$37$15
49 years$446$249$132$67$33$14
50 years$433$237$124$62$30$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $443,000, adding $2,472 every year, while hoping to spend $23,297 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: 28/42/30 Blend
39$443,000$443,000$443,000$443,000
40$490,736$467,257$460,390$499,879
41$516,003$465,365$451,026$505,556
42$543,067$462,599$440,566$509,491
43$572,086$458,892$428,951$513,259
44$603,233$454,173$416,116$516,860
45$636,701$448,366$401,994$520,301
46$672,699$441,390$386,515$523,588
47$711,457$433,160$369,606$526,733
48$753,228$423,587$351,190$529,749
49$798,289$412,575$331,187$532,657
50$846,945$400,022$309,513$535,479
51$899,533$385,822$286,080$538,245
52$956,419$369,862$260,798$540,990
53$1,018,010$352,021$233,571$543,758
54$1,084,750$332,173$204,298$546,597
55$1,157,129$310,184$172,877$549,570
56$1,235,685$285,912$139,197$552,744
57$1,321,010$259,207$103,146$556,203
58$1,413,757$229,912$64,605$560,040
59$1,514,640$197,858$23,449$564,364
60$1,624,449$162,869$0$569,301
61$1,744,052$124,757$0$581,548
62$1,874,401$83,327$0$603,151
63$2,016,549$38,369$0$626,828
64$2,171,651$0$0$652,840
65$2,340,980$0$0$686,254
66$2,525,936$0$0$742,187
67$2,728,063$0$0$803,383
68$2,949,058$0$0$870,364
69$3,190,791$0$0$943,706
70$3,455,320$0$0$1,024,042
71$3,744,911$0$0$1,112,072
72$4,062,060$0$0$1,208,562
73$4,409,517$0$0$1,314,362
74$4,790,308$0$0$1,430,402
75$5,207,766$0$0$1,557,710
76$5,665,564$0$0$1,697,419
77$6,167,746$0$0$1,850,773
78$6,718,765$0$0$2,019,147
79$7,323,528$0$0$2,204,052
80$7,987,440$0$0$2,407,154
81$8,716,453$0$0$2,630,289
82$9,517,127$0$0$2,875,478
83$10,396,684$0$0$3,144,948
84$11,363,083$0$0$3,441,155
85$12,425,093$0$0$3,766,799
86$13,592,371$0$0$4,124,861
87$14,875,558$0$0$4,518,622
88$16,286,379$0$0$4,951,697
89$17,837,750$0$0$5,428,068
90$19,543,900$0$0$5,952,125
91$21,420,508$0$0$6,528,704
92$23,484,850$0$0$7,163,132
93$25,755,956$0$0$7,861,279
94$28,254,799$0$0$8,629,613
95$31,004,483$0$0$9,475,262
96$34,030,468$0$0$10,406,078
97$37,360,804$0$0$11,430,714
98$41,026,400$0$0$12,558,705
99$45,061,312$0$0$13,800,555
100$49,503,068$0$0$15,167,841