Can I retire at age 40 with 443,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%12.3%
1 years$36,583$36,257$35,939$35,628$35,325$34,986
2 years$18,110$17,773$17,446$17,129$16,822$16,479
3 years$11,954$11,615$11,289$10,975$10,672$10,338
4 years$8,876$8,538$8,215$7,907$7,612$7,288
5 years$7,030$6,694$6,375$6,073$5,786$5,474
6 years$5,799$5,466$5,152$4,857$4,578$4,279
7 years$4,921$4,590$4,282$3,993$3,723$3,436
8 years$4,262$3,935$3,631$3,350$3,089$2,813
9 years$3,750$3,426$3,127$2,853$2,601$2,338
10 years$3,341$3,020$2,727$2,459$2,217$1,965
11 years$3,006$2,688$2,400$2,140$1,906$1,666
12 years$2,728$2,413$2,130$1,877$1,652$1,423
13 years$2,492$2,181$1,903$1,657$1,441$1,223
14 years$2,290$1,982$1,710$1,471$1,263$1,056
15 years$2,115$1,811$1,544$1,312$1,112$916
16 years$1,963$1,661$1,400$1,175$983$797
17 years$1,828$1,530$1,274$1,056$871$696
18 years$1,708$1,414$1,163$951$775$609
19 years$1,602$1,310$1,065$860$691$534
20 years$1,506$1,218$977$779$617$469
21 years$1,419$1,134$899$707$552$413
22 years$1,340$1,059$828$642$495$364
23 years$1,268$990$765$585$444$321
24 years$1,203$928$707$534$399$283
25 years$1,142$871$655$487$359$251
26 years$1,086$818$608$446$324$222
27 years$1,035$770$564$408$292$196
28 years$987$726$524$374$263$174
29 years$943$685$488$343$238$154
30 years$902$646$455$315$215$137
31 years$863$611$424$289$194$121
32 years$827$578$395$265$176$108
33 years$793$548$369$244$159$96
34 years$762$519$345$225$144$85
35 years$732$492$323$207$130$76
36 years$704$467$302$190$118$67
37 years$677$444$282$175$107$60
38 years$652$422$264$162$97$53
39 years$628$401$248$149$88$47
40 years$606$382$232$138$80$42
41 years$584$363$218$127$72$37
42 years$564$346$204$117$66$33
43 years$545$330$192$108$60$30
44 years$526$314$180$100$54$26
45 years$509$300$169$92$49$23
46 years$492$286$159$85$45$21
47 years$476$273$149$79$41$19
48 years$461$260$140$73$37$16
49 years$446$249$132$67$33$15
50 years$433$237$124$62$30$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $443,000, adding $3,467 every year, while hoping to spend $24,273 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: 57/16/27 Blend
39$443,000$443,000$443,000$443,000
40$491,762$468,283$461,417$515,980
41$516,096$465,403$451,048$530,094
42$542,098$461,568$439,518$542,627
43$569,913$456,706$426,763$555,786
44$599,699$450,740$412,715$569,640
45$631,631$443,588$397,304$584,264
46$665,899$435,166$380,455$599,743
47$702,712$425,381$362,092$616,171
48$742,301$414,136$342,134$633,655
49$784,916$401,330$320,496$652,313
50$830,836$386,853$297,091$672,274
51$880,364$370,592$271,826$693,686
52$933,835$352,424$244,606$716,711
53$991,615$332,222$215,330$741,531
54$1,054,109$309,850$183,892$768,347
55$1,121,759$285,164$150,184$797,383
56$1,195,054$258,013$114,090$828,888
57$1,274,530$228,235$75,492$863,139
58$1,360,776$195,663$34,265$900,442
59$1,454,441$160,116$0$941,140
60$1,556,237$121,405$0$988,413
61$1,666,951$79,331$0$1,050,596
62$1,787,445$33,683$0$1,118,313
63$1,918,668$0$0$1,192,122
64$2,061,667$0$0$1,275,417
65$2,217,592$0$0$1,372,742
66$2,387,708$0$0$1,478,962
67$2,573,410$0$0$1,594,951
68$2,776,231$0$0$1,721,674
69$2,997,860$0$0$1,860,189
70$3,240,157$0$0$2,011,665
71$3,505,169$0$0$2,177,386
72$3,795,149$0$0$2,358,766
73$4,112,579$0$0$2,557,366
74$4,460,192$0$0$2,774,899
75$4,840,998$0$0$3,013,257
76$5,258,310$0$0$3,274,519
77$5,715,780$0$0$3,560,979
78$6,217,428$0$0$3,875,160
79$6,767,680$0$0$4,219,842
80$7,371,414$0$0$4,598,089
81$8,034,003$0$0$5,013,273
82$8,761,363$0$0$5,469,111
83$9,560,011$0$0$5,969,695
84$10,437,130$0$0$6,519,535
85$11,400,627$0$0$7,123,599
86$12,459,217$0$0$7,787,357
87$13,622,498$0$0$8,516,839
88$14,901,045$0$0$9,318,686
89$16,306,510$0$0$10,200,215
90$17,851,727$0$0$11,169,487
91$19,550,838$0$0$12,235,384
92$21,419,423$0$0$13,407,690
93$23,474,647$0$0$14,697,187
94$25,735,422$0$0$16,115,753
95$28,222,587$0$0$17,676,476
96$30,959,101$0$0$19,393,775
97$33,970,260$0$0$21,283,539
98$37,283,937$0$0$23,363,274
99$40,930,844$0$0$25,652,270
100$44,944,820$0$0$28,171,780