Can I retire at age 40 with 444,000?

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 $444,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$36,665$36,339$36,020$35,709$35,405$34,733
2 years$18,151$17,813$17,485$17,168$16,860$16,185
3 years$11,980$11,641$11,314$11,000$10,696$10,040
4 years$8,896$8,557$8,234$7,925$7,629$6,996
5 years$7,046$6,709$6,390$6,087$5,799$5,192
6 years$5,812$5,478$5,164$4,868$4,589$4,008
7 years$4,932$4,601$4,291$4,002$3,732$3,177
8 years$4,272$3,944$3,639$3,357$3,096$2,568
9 years$3,759$3,434$3,135$2,860$2,607$2,105
10 years$3,348$3,027$2,733$2,465$2,222$1,744
11 years$3,013$2,694$2,406$2,145$1,911$1,458
12 years$2,734$2,418$2,135$1,882$1,656$1,228
13 years$2,498$2,186$1,908$1,661$1,444$1,039
14 years$2,295$1,987$1,714$1,475$1,266$884
15 years$2,120$1,815$1,548$1,315$1,114$754
16 years$1,967$1,665$1,403$1,178$985$646
17 years$1,832$1,533$1,277$1,058$873$555
18 years$1,712$1,417$1,165$954$776$477
19 years$1,605$1,313$1,067$862$692$412
20 years$1,509$1,220$979$780$618$355
21 years$1,422$1,137$901$708$553$307
22 years$1,343$1,061$830$644$496$266
23 years$1,271$992$766$586$445$231
24 years$1,205$930$709$535$400$200
25 years$1,145$873$657$488$360$174
26 years$1,089$820$609$447$324$151
27 years$1,037$772$565$409$292$131
28 years$990$727$526$375$264$114
29 years$945$686$489$343$238$99
30 years$904$648$456$315$215$86
31 years$865$612$425$290$195$75
32 years$829$580$396$266$176$66
33 years$795$549$370$245$159$57
34 years$763$520$346$225$144$50
35 years$733$493$323$207$131$43
36 years$705$468$302$191$118$38
37 years$679$445$283$176$107$33
38 years$653$423$265$162$97$29
39 years$630$402$248$149$88$25
40 years$607$382$233$138$80$22
41 years$586$364$218$127$73$19
42 years$565$347$205$117$66$17
43 years$546$330$192$108$60$15
44 years$528$315$180$100$54$13
45 years$510$300$169$92$49$11
46 years$493$286$159$85$45$10
47 years$477$273$149$79$41$8
48 years$462$261$140$73$37$7
49 years$447$249$132$67$33$6
50 years$433$238$124$62$30$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $444,000, adding $2,799 every year, while hoping to spend $26,340 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: 74/6/20 Blend
39$444,000$444,000$444,000$444,000
40$492,175$468,643$461,761$526,056
41$514,351$463,581$449,205$543,857
42$537,907$457,388$435,345$559,887
43$562,955$449,981$420,110$576,775
44$589,618$441,272$403,425$594,601
45$618,031$431,167$385,213$613,454
46$648,344$419,568$365,391$633,431
47$680,718$406,369$343,874$654,641
48$715,330$391,461$320,573$677,202
49$752,376$374,724$295,394$701,248
50$792,069$356,037$268,241$726,925
51$834,644$335,267$239,011$754,394
52$880,358$312,275$207,598$783,835
53$929,493$286,915$173,891$815,446
54$982,359$259,031$137,774$849,445
55$1,039,296$228,460$99,125$886,076
56$1,100,677$195,028$57,820$925,605
57$1,166,914$158,552$13,724$968,330
58$1,238,457$118,839$0$1,014,576
59$1,315,802$75,684$0$1,071,819
60$1,399,493$28,872$0$1,136,934
61$1,490,129$0$0$1,207,461
62$1,588,369$0$0$1,285,364
63$1,694,936$0$0$1,371,955
64$1,810,626$0$0$1,465,976
65$1,936,314$0$0$1,568,140
66$2,072,965$0$0$1,679,233
67$2,221,637$0$0$1,800,118
68$2,383,496$0$0$1,931,746
69$2,559,826$0$0$2,075,163
70$2,752,037$0$0$2,231,520
71$2,961,684$0$0$2,402,082
72$3,190,476$0$0$2,588,244
73$3,440,297$0$0$2,791,542
74$3,713,217$0$0$3,013,663
75$4,011,518$0$0$3,256,469
76$4,337,712$0$0$3,522,006
77$4,694,564$0$0$3,812,530
78$5,085,119$0$0$4,130,522
79$5,512,729$0$0$4,478,716
80$5,981,087$0$0$4,860,123
81$6,494,258$0$0$5,278,057
82$7,056,720$0$0$5,736,171
83$7,673,404$0$0$6,238,484
84$8,349,743$0$0$6,789,425
85$9,091,719$0$0$7,393,873
86$9,905,920$0$0$8,057,200
87$10,799,605$0$0$8,785,325
88$11,780,770$0$0$9,584,767
89$12,858,222$0$0$10,462,707
90$14,041,661$0$0$11,427,057
91$15,341,776$0$0$12,486,530
92$16,770,340$0$0$13,650,728
93$18,340,325$0$0$14,930,227
94$20,066,020$0$0$16,336,679
95$21,963,167$0$0$17,882,922
96$24,049,112$0$0$19,583,098
97$26,342,962$0$0$21,452,791
98$28,865,772$0$0$23,509,166
99$31,640,736$0$0$25,771,140
100$34,693,413$0$0$28,259,553