Can I retire at age 40 with 536,000?

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 $536,000?

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$44,262$43,868$43,483$43,108$42,741$41,930
2 years$21,912$21,504$21,108$20,725$20,353$19,539
3 years$14,463$14,053$13,659$13,279$12,913$12,121
4 years$10,739$10,331$9,940$9,567$9,210$8,446
5 years$8,505$8,099$7,714$7,348$7,001$6,268
6 years$7,017$6,614$6,234$5,876$5,540$4,839
7 years$5,954$5,554$5,180$4,831$4,505$3,836
8 years$5,157$4,761$4,393$4,053$3,737$3,100
9 years$4,538$4,145$3,784$3,452$3,147$2,541
10 years$4,042$3,654$3,299$2,976$2,682$2,106
11 years$3,637$3,253$2,904$2,590$2,306$1,760
12 years$3,300$2,920$2,578$2,272$1,999$1,482
13 years$3,015$2,638$2,303$2,005$1,743$1,254
14 years$2,771$2,398$2,069$1,780$1,528$1,067
15 years$2,559$2,191$1,868$1,588$1,345$911
16 years$2,375$2,010$1,694$1,422$1,189$780
17 years$2,212$1,851$1,541$1,277$1,054$670
18 years$2,067$1,711$1,407$1,151$937$576
19 years$1,938$1,585$1,288$1,040$835$497
20 years$1,822$1,473$1,182$942$746$429
21 years$1,717$1,372$1,087$855$668$371
22 years$1,621$1,281$1,002$777$599$321
23 years$1,534$1,198$925$708$537$279
24 years$1,455$1,122$856$646$483$242
25 years$1,382$1,053$793$590$435$210
26 years$1,315$990$735$539$391$182
27 years$1,252$932$683$494$353$158
28 years$1,195$878$635$452$318$138
29 years$1,141$828$590$415$288$120
30 years$1,091$782$550$381$260$104
31 years$1,044$739$513$349$235$91
32 years$1,001$700$478$321$212$79
33 years$960$663$447$295$192$69
34 years$921$628$417$272$174$60
35 years$885$596$390$250$158$52
36 years$851$565$365$230$143$46
37 years$819$537$342$212$130$40
38 years$789$510$320$196$117$35
39 years$760$485$300$180$106$30
40 years$733$462$281$166$97$26
41 years$707$439$263$154$88$23
42 years$682$419$247$142$79$20
43 years$659$399$232$131$72$18
44 years$637$380$218$121$65$15
45 years$616$362$204$112$59$13
46 years$595$346$192$103$54$12
47 years$576$330$180$95$49$10
48 years$558$315$169$88$45$9
49 years$540$301$159$81$40$8
50 years$523$287$150$75$37$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $536,000, adding $3,597 every year, while hoping to spend $26,958 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: 82/9/9 Blend
39$536,000$536,000$536,000$536,000
40$594,382$565,974$557,666$642,075
41$626,326$565,024$547,665$672,870
42$660,625$563,123$536,425$702,721
43$697,490$560,198$523,877$734,676
44$737,154$556,168$509,947$768,929
45$779,872$550,948$494,558$805,697
46$825,925$544,450$477,632$845,217
47$875,620$536,579$459,083$887,751
48$929,295$527,234$438,824$933,587
49$987,323$516,308$416,765$983,042
50$1,050,111$503,688$392,808$1,036,466
51$1,118,110$489,256$366,854$1,094,244
52$1,191,812$472,885$338,799$1,156,802
53$1,271,761$454,441$308,533$1,224,606
54$1,358,555$433,782$275,942$1,298,173
55$1,452,848$410,758$240,908$1,378,072
56$1,555,365$385,212$203,305$1,464,928
57$1,666,900$356,975$163,003$1,559,432
58$1,788,328$325,871$119,867$1,662,345
59$1,920,610$291,711$73,756$1,774,506
60$2,064,806$254,299$24,521$1,896,840
61$2,222,082$213,425$0$2,030,365
62$2,393,719$168,868$0$2,178,896
63$2,581,131$120,395$0$2,343,669
64$2,785,871$67,759$0$2,523,707
65$3,009,651$10,699$0$2,720,533
66$3,254,354$0$0$2,935,822
67$3,522,055$0$0$3,176,479
68$3,815,038$0$0$3,441,035
69$4,135,817$0$0$3,730,703
70$4,487,163$0$0$4,047,986
71$4,872,126$0$0$4,395,640
72$5,294,064$0$0$4,776,699
73$5,756,676$0$0$5,194,506
74$6,264,037$0$0$5,652,743
75$6,820,634$0$0$6,155,464
76$7,431,411$0$0$6,707,137
77$8,101,812$0$0$7,312,680
78$8,837,835$0$0$7,977,514
79$9,646,085$0$0$8,707,607
80$10,533,841$0$0$9,509,536
81$11,509,119$0$0$10,390,544
82$12,580,752$0$0$11,358,614
83$13,758,469$0$0$12,422,535
84$15,052,989$0$0$13,591,995
85$16,476,122$0$0$14,877,664
86$18,040,878$0$0$16,291,299
87$19,761,591$0$0$17,845,853
88$21,654,053$0$0$19,555,595
89$23,735,665$0$0$21,436,249
90$26,025,598$0$0$23,505,139
91$28,544,975$0$0$25,781,350
92$31,317,068$0$0$28,285,914
93$34,367,520$0$0$31,042,001
94$37,724,586$0$0$34,075,143
95$41,419,398$0$0$37,413,472
96$45,486,258$0$0$41,087,985
97$49,962,963$0$0$45,132,835
98$54,891,160$0$0$49,585,657
99$60,316,742$0$0$54,487,920
100$66,290,273$0$0$59,885,315