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%18.6%
1 years$36,583$36,257$35,939$35,628$35,325$34,099
2 years$18,110$17,773$17,446$17,129$16,822$15,599
3 years$11,954$11,615$11,289$10,975$10,672$9,492
4 years$8,876$8,538$8,215$7,907$7,612$6,482
5 years$7,030$6,694$6,375$6,073$5,786$4,710
6 years$5,799$5,466$5,152$4,857$4,578$3,557
7 years$4,921$4,590$4,282$3,993$3,723$2,757
8 years$4,262$3,935$3,631$3,350$3,089$2,176
9 years$3,750$3,426$3,127$2,853$2,601$1,741
10 years$3,341$3,020$2,727$2,459$2,217$1,408
11 years$3,006$2,688$2,400$2,140$1,906$1,147
12 years$2,728$2,413$2,130$1,877$1,652$940
13 years$2,492$2,181$1,903$1,657$1,441$775
14 years$2,290$1,982$1,710$1,471$1,263$641
15 years$2,115$1,811$1,544$1,312$1,112$532
16 years$1,963$1,661$1,400$1,175$983$443
17 years$1,828$1,530$1,274$1,056$871$369
18 years$1,708$1,414$1,163$951$775$309
19 years$1,602$1,310$1,065$860$691$258
20 years$1,506$1,218$977$779$617$216
21 years$1,419$1,134$899$707$552$181
22 years$1,340$1,059$828$642$495$152
23 years$1,268$990$765$585$444$128
24 years$1,203$928$707$534$399$108
25 years$1,142$871$655$487$359$90
26 years$1,086$818$608$446$324$76
27 years$1,035$770$564$408$292$64
28 years$987$726$524$374$263$54
29 years$943$685$488$343$238$45
30 years$902$646$455$315$215$38
31 years$863$611$424$289$194$32
32 years$827$578$395$265$176$27
33 years$793$548$369$244$159$23
34 years$762$519$345$225$144$19
35 years$732$492$323$207$130$16
36 years$704$467$302$190$118$14
37 years$677$444$282$175$107$12
38 years$652$422$264$162$97$10
39 years$628$401$248$149$88$8
40 years$606$382$232$138$80$7
41 years$584$363$218$127$72$6
42 years$564$346$204$117$66$5
43 years$545$330$192$108$60$4
44 years$526$314$180$100$54$3
45 years$509$300$169$92$49$3
46 years$492$286$159$85$45$2
47 years$476$273$149$79$41$2
48 years$461$260$140$73$37$2
49 years$446$249$132$67$33$1
50 years$433$237$124$62$30$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $443,000, adding $2,936 every year, while hoping to spend $31,740 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: 52/25/23 Blend
39$443,000$443,000$443,000$443,000
40$491,214$467,735$460,869$513,479
41$507,547$456,883$442,537$518,321
42$524,482$444,436$422,527$520,082
43$542,047$430,281$400,750$521,339
44$560,272$414,301$377,111$522,055
45$579,188$396,370$351,512$522,193
46$598,829$376,356$323,852$521,712
47$619,232$354,119$294,023$520,572
48$640,434$329,512$261,913$518,730
49$662,477$302,377$227,406$516,139
50$685,405$272,549$190,380$512,753
51$709,266$239,853$150,706$508,524
52$734,109$204,104$108,254$503,400
53$759,991$165,107$62,882$497,328
54$786,969$122,656$14,448$490,255
55$815,106$76,533$0$482,122
56$844,471$26,508$0$482,010
57$875,138$0$0$485,098
58$907,186$0$0$495,424
59$940,700$0$0$513,860
60$975,773$0$0$533,164
61$1,012,506$0$0$553,395
62$1,051,008$0$0$574,614
63$1,091,397$0$0$596,887
64$1,133,800$0$0$620,287
65$1,178,358$0$0$644,894
66$1,225,221$0$0$670,792
67$1,274,555$0$0$698,076
68$1,326,538$0$0$726,847
69$1,381,366$0$0$757,216
70$1,439,251$0$0$789,304
71$1,500,425$0$0$823,243
72$1,565,142$0$0$859,177
73$1,633,677$0$0$897,263
74$1,706,334$0$0$937,672
75$1,783,441$0$0$980,594
76$1,865,359$0$0$1,026,232
77$1,952,483$0$0$1,074,813
78$2,045,245$0$0$1,126,582
79$2,144,117$0$0$1,181,809
80$2,249,617$0$0$1,240,789
81$2,362,312$0$0$1,303,845
82$2,482,824$0$0$1,371,333
83$2,611,835$0$0$1,443,641
84$2,750,091$0$0$1,521,197
85$2,898,412$0$0$1,604,467
86$3,057,698$0$0$1,693,967
87$3,228,937$0$0$1,790,259
88$3,413,211$0$0$1,893,964
89$3,611,712$0$0$2,005,762
90$3,825,745$0$0$2,126,399
91$4,056,748$0$0$2,256,697
92$4,306,297$0$0$2,397,557
93$4,576,127$0$0$2,549,971
94$4,868,143$0$0$2,715,030
95$5,184,439$0$0$2,893,930
96$5,527,321$0$0$3,087,991
97$5,899,319$0$0$3,298,660
98$6,303,220$0$0$3,527,532
99$6,742,087$0$0$3,776,359
100$7,219,290$0$0$4,047,072