Can I retire at age 40 with 5,200,000?

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 $5,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$429,411$425,586$421,854$418,212$414,655$401,704
2 years$212,580$208,621$204,784$201,063$197,455$184,522
3 years$140,312$136,336$132,509$128,823$125,274$112,764
4 years$104,185$100,221$96,432$92,810$89,346$77,357
5 years$82,515$78,575$74,835$71,287$67,919$56,483
6 years$68,073$64,162$60,478$57,009$53,742$42,867
7 years$57,761$53,883$50,258$46,870$43,707$33,393
8 years$50,031$46,188$42,622$39,318$36,259$26,500
9 years$44,021$40,215$36,711$33,490$30,535$21,320
10 years$39,217$35,447$32,005$28,869$26,018$17,332
11 years$35,288$31,557$28,177$25,125$22,376$14,205
12 years$32,017$28,324$25,006$22,038$19,391$11,717
13 years$29,251$25,596$22,341$19,456$16,909$9,714
14 years$26,882$23,266$20,074$17,271$14,822$8,087
15 years$24,831$21,254$18,124$15,403$13,051$6,755
16 years$23,038$19,500$16,432$13,791$11,534$5,659
17 years$21,458$17,959$14,953$12,391$10,227$4,751
18 years$20,054$16,595$13,650$11,167$9,093$3,996
19 years$18,800$15,380$12,496$10,090$8,105$3,367
20 years$17,673$14,292$11,468$9,139$7,240$2,840
21 years$16,655$13,312$10,548$8,294$6,479$2,399
22 years$15,730$12,427$9,722$7,541$5,807$2,028
23 years$14,887$11,622$8,976$6,868$5,213$1,715
24 years$14,115$10,889$8,302$6,264$4,686$1,452
25 years$13,406$10,219$7,689$5,721$4,216$1,230
26 years$12,753$9,604$7,131$5,231$3,798$1,042
27 years$12,149$9,039$6,622$4,788$3,424$884
28 years$11,590$8,517$6,156$4,387$3,090$749
29 years$11,070$8,035$5,729$4,023$2,790$636
30 years$10,585$7,588$5,336$3,692$2,521$539
31 years$10,133$7,173$4,975$3,391$2,279$458
32 years$9,709$6,787$4,641$3,116$2,062$389
33 years$9,312$6,428$4,334$2,865$1,866$330
34 years$8,940$6,092$4,049$2,636$1,689$280
35 years$8,589$5,778$3,786$2,427$1,530$238
36 years$8,259$5,484$3,541$2,235$1,386$202
37 years$7,947$5,209$3,315$2,059$1,256$171
38 years$7,652$4,950$3,104$1,898$1,139$146
39 years$7,373$4,707$2,908$1,750$1,033$124
40 years$7,109$4,479$2,726$1,614$937$105
41 years$6,859$4,263$2,556$1,489$850$89
42 years$6,620$4,060$2,398$1,375$771$76
43 years$6,394$3,869$2,250$1,269$700$64
44 years$6,178$3,688$2,112$1,172$635$55
45 years$5,973$3,516$1,983$1,082$577$46
46 years$5,777$3,354$1,862$999$524$39
47 years$5,590$3,201$1,750$923$476$34
48 years$5,411$3,056$1,644$853$432$28
49 years$5,241$2,918$1,545$789$392$24
50 years$5,077$2,788$1,453$729$356$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $5,200,000, adding $4,304 every year, while hoping to spend $31,191 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: 51/41/8 Blend
39$5,200,000$5,200,000$5,200,000$5,200,000
40$5,734,840$5,459,240$5,378,640$6,015,433
41$6,286,606$5,693,555$5,525,637$6,441,281
42$6,893,608$5,938,307$5,676,513$6,900,246
43$7,561,445$6,193,974$5,831,366$7,398,428
44$8,296,289$6,461,055$5,990,294$7,939,517
45$9,104,941$6,740,077$6,153,398$8,527,571
46$9,994,891$7,031,587$6,320,783$9,167,044
47$10,974,395$7,336,160$6,492,555$9,862,833
48$12,052,550$7,654,398$6,668,822$10,620,316
49$13,239,377$7,986,931$6,849,695$11,445,408
50$14,545,921$8,334,418$7,035,287$12,344,607
51$15,984,351$8,697,550$7,225,715$13,325,061
52$17,568,075$9,077,051$7,421,097$14,394,626
53$19,311,868$9,473,676$7,621,553$15,561,941
54$21,232,012$9,888,219$7,827,208$16,836,508
55$23,346,446$10,321,510$8,038,188$18,228,777
56$25,674,938$10,774,419$8,254,622$19,750,243
57$28,239,272$11,247,855$8,476,642$21,413,551
58$31,063,450$11,742,773$8,704,383$23,232,613
59$34,173,924$12,260,171$8,937,982$25,222,736
60$37,599,839$12,801,094$9,177,579$27,400,761
61$41,373,313$13,366,639$9,423,318$29,785,222
62$45,529,738$13,957,950$9,675,346$32,396,517
63$50,108,113$14,576,231$9,933,812$35,257,091
64$55,151,414$15,222,740$10,198,868$38,391,653
65$60,706,998$15,898,794$10,470,670$41,827,399
66$66,827,051$16,605,774$10,749,376$45,594,264
67$73,569,079$17,345,127$11,035,150$49,725,205
68$80,996,453$18,118,366$11,328,155$54,256,501
69$89,179,004$18,927,079$11,628,561$59,228,096
70$98,193,684$19,772,927$11,936,540$64,683,967
71$108,125,292$20,657,652$12,252,265$70,672,537
72$119,067,273$21,583,078$12,575,917$77,247,123
73$131,122,602$22,551,116$12,907,678$84,466,437
74$144,404,754$23,563,768$13,247,732$92,395,130
75$159,038,776$24,623,130$13,596,268$101,104,399
76$175,162,468$25,731,400$13,953,480$110,672,651
77$192,927,681$26,890,880$14,319,563$121,186,236
78$212,501,754$28,103,982$14,694,717$132,740,256
79$234,069,088$29,373,232$15,079,145$145,439,452
80$257,832,893$30,701,279$15,473,055$159,399,188
81$284,017,102$32,090,896$15,876,657$174,746,529
82$312,868,486$33,544,989$16,290,164$191,621,434
83$344,658,983$35,066,605$16,713,796$210,178,066
84$379,688,265$36,658,934$17,147,774$230,586,236
85$418,286,567$38,325,321$17,592,323$253,033,002
86$460,817,803$40,069,268$18,047,672$277,724,416
87$507,683,005$41,894,448$18,514,055$304,887,465
88$559,324,103$43,804,708$18,991,708$334,772,197
89$616,228,103$45,804,080$19,480,871$367,654,072
90$678,931,679$47,896,789$19,981,789$403,836,551
91$748,026,240$50,087,262$20,494,710$443,653,943
92$824,163,519$52,380,140$21,019,885$487,474,550
93$908,061,716$54,780,284$21,557,569$535,704,129
94$1,000,512,284$57,292,792$22,108,021$588,789,705
95$1,102,387,401$59,923,003$22,671,504$647,223,780
96$1,214,648,201$62,676,514$23,248,283$711,548,957
97$1,338,353,846$65,559,193$23,838,630$782,363,055
98$1,474,671,530$68,577,185$24,442,816$860,324,727
99$1,624,887,495$71,736,935$25,061,118$946,159,659
100$1,790,419,171$75,045,197$25,693,817$1,040,667,406