Can I retire at age 40 with 452,000?

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 $452,000?

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$37,326$36,993$36,669$36,352$36,043$34,792
2 years$18,478$18,134$17,800$17,477$17,163$15,916
3 years$12,196$11,851$11,518$11,198$10,889$9,684
4 years$9,056$8,712$8,382$8,067$7,766$6,613
5 years$7,172$6,830$6,505$6,196$5,904$4,806
6 years$5,917$5,577$5,257$4,955$4,671$3,630
7 years$5,021$4,684$4,369$4,074$3,799$2,813
8 years$4,349$4,015$3,705$3,418$3,152$2,220
9 years$3,826$3,496$3,191$2,911$2,654$1,777
10 years$3,409$3,081$2,782$2,509$2,262$1,436
11 years$3,067$2,743$2,449$2,184$1,945$1,170
12 years$2,783$2,462$2,174$1,916$1,685$959
13 years$2,543$2,225$1,942$1,691$1,470$791
14 years$2,337$2,022$1,745$1,501$1,288$654
15 years$2,158$1,847$1,575$1,339$1,134$543
16 years$2,003$1,695$1,428$1,199$1,003$452
17 years$1,865$1,561$1,300$1,077$889$377
18 years$1,743$1,442$1,186$971$790$315
19 years$1,634$1,337$1,086$877$705$263
20 years$1,536$1,242$997$794$629$221
21 years$1,448$1,157$917$721$563$185
22 years$1,367$1,080$845$656$505$155
23 years$1,294$1,010$780$597$453$131
24 years$1,227$947$722$544$407$110
25 years$1,165$888$668$497$366$92
26 years$1,109$835$620$455$330$78
27 years$1,056$786$576$416$298$65
28 years$1,007$740$535$381$269$55
29 years$962$698$498$350$243$46
30 years$920$660$464$321$219$39
31 years$881$624$432$295$198$33
32 years$844$590$403$271$179$28
33 years$809$559$377$249$162$23
34 years$777$530$352$229$147$20
35 years$747$502$329$211$133$17
36 years$718$477$308$194$120$14
37 years$691$453$288$179$109$12
38 years$665$430$270$165$99$10
39 years$641$409$253$152$90$8
40 years$618$389$237$140$81$7
41 years$596$371$222$129$74$6
42 years$575$353$208$119$67$5
43 years$556$336$196$110$61$4
44 years$537$321$184$102$55$4
45 years$519$306$172$94$50$3
46 years$502$292$162$87$46$3
47 years$486$278$152$80$41$2
48 years$470$266$143$74$38$2
49 years$456$254$134$69$34$2
50 years$441$242$126$63$31$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $452,000, adding $3,819 every year, while hoping to spend $20,623 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: 73/10/17 Blend
39$452,000$452,000$452,000$452,000
40$502,043$478,087$471,081$536,457
41$531,309$479,571$464,920$561,274
42$562,869$480,436$457,861$585,572
43$596,934$480,630$449,852$611,650
44$633,739$480,099$440,840$639,682
45$673,540$478,783$430,767$669,857
46$716,618$476,620$419,574$702,384
47$763,282$473,544$407,200$737,496
48$813,874$469,484$393,578$775,446
49$868,767$464,367$378,641$816,518
50$928,373$458,114$362,318$861,020
51$993,146$450,640$344,534$909,296
52$1,063,583$441,857$325,212$961,724
53$1,140,232$431,672$304,270$1,018,720
54$1,223,697$419,985$281,624$1,080,745
55$1,314,641$406,690$257,185$1,148,305
56$1,413,793$391,678$230,860$1,221,960
57$1,521,959$374,829$202,553$1,302,328
58$1,640,023$356,019$172,162$1,390,089
59$1,768,958$335,117$139,582$1,485,995
60$1,909,836$311,982$104,703$1,590,874
61$2,063,838$286,468$67,409$1,705,639
62$2,232,263$258,418$27,580$1,831,299
63$2,416,541$227,668$0$1,968,966
64$2,618,248$194,044$0$2,122,572
65$2,839,119$157,362$0$2,296,278
66$3,081,064$117,427$0$2,486,592
67$3,346,186$74,035$0$2,695,185
68$3,636,803$26,968$0$2,923,897
69$3,955,466$0$0$3,174,756
70$4,304,985$0$0$3,452,641
71$4,688,456$0$0$3,760,796
72$5,109,288$0$0$4,098,996
73$5,571,238$0$0$4,470,262
74$6,078,441$0$0$4,877,923
75$6,635,456$0$0$5,325,643
76$7,247,303$0$0$5,817,461
77$7,919,511$0$0$6,357,826
78$8,658,174$0$0$6,951,637
79$9,470,002$0$0$7,604,295
80$10,362,391$0$0$8,321,747
81$11,343,487$0$0$9,110,546
82$12,422,264$0$0$9,977,912
83$13,608,612$0$0$10,931,800
84$14,913,425$0$0$11,980,972
85$16,348,705$0$0$13,135,085
86$17,927,679$0$0$14,404,777
87$19,664,917$0$0$15,801,770
88$21,576,475$0$0$17,338,979
89$23,680,043$0$0$19,030,634
90$25,995,111$0$0$20,892,415
91$28,543,158$0$0$22,941,599
92$31,347,846$0$0$25,197,221
93$34,435,251$0$0$27,680,257
94$37,834,103$0$0$30,413,821
95$41,576,062$0$0$33,423,378
96$45,696,012$0$0$36,736,991
97$50,232,391$0$0$40,385,582
98$55,227,556$0$0$44,403,225
99$60,728,178$0$0$48,827,464
100$66,785,687$0$0$53,699,671