Can I retire at age 40 with 836,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
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 $836,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$69,036$68,421$67,821$67,236$66,664$65,885
2 years$34,176$33,540$32,923$32,325$31,745$30,961
3 years$22,558$21,919$21,303$20,711$20,140$19,376
4 years$16,750$16,113$15,503$14,921$14,364$13,625
5 years$13,266$12,632$12,031$11,461$10,919$10,208
6 years$10,944$10,315$9,723$9,165$8,640$7,956
7 years$9,286$8,663$8,080$7,535$7,027$6,371
8 years$8,043$7,426$6,852$6,321$5,829$5,202
9 years$7,077$6,465$5,902$5,384$4,909$4,310
10 years$6,305$5,699$5,145$4,641$4,183$3,612
11 years$5,673$5,073$4,530$4,039$3,597$3,054
12 years$5,147$4,554$4,020$3,543$3,117$2,600
13 years$4,703$4,115$3,592$3,128$2,718$2,227
14 years$4,322$3,741$3,227$2,777$2,383$1,917
15 years$3,992$3,417$2,914$2,476$2,098$1,657
16 years$3,704$3,135$2,642$2,217$1,854$1,437
17 years$3,450$2,887$2,404$1,992$1,644$1,250
18 years$3,224$2,668$2,194$1,795$1,462$1,089
19 years$3,023$2,473$2,009$1,622$1,303$952
20 years$2,841$2,298$1,844$1,469$1,164$833
21 years$2,678$2,140$1,696$1,333$1,042$730
22 years$2,529$1,998$1,563$1,212$934$641
23 years$2,393$1,869$1,443$1,104$838$564
24 years$2,269$1,751$1,335$1,007$753$496
25 years$2,155$1,643$1,236$920$678$437
26 years$2,050$1,544$1,146$841$611$385
27 years$1,953$1,453$1,065$770$550$339
28 years$1,863$1,369$990$705$497$300
29 years$1,780$1,292$921$647$449$265
30 years$1,702$1,220$858$594$405$234
31 years$1,629$1,153$800$545$366$207
32 years$1,561$1,091$746$501$331$183
33 years$1,497$1,033$697$461$300$161
34 years$1,437$979$651$424$272$143
35 years$1,381$929$609$390$246$126
36 years$1,328$882$569$359$223$112
37 years$1,278$837$533$331$202$99
38 years$1,230$796$499$305$183$88
39 years$1,185$757$468$281$166$78
40 years$1,143$720$438$260$151$69
41 years$1,103$685$411$239$137$61
42 years$1,064$653$385$221$124$54
43 years$1,028$622$362$204$113$48
44 years$993$593$340$188$102$42
45 years$960$565$319$174$93$37
46 years$929$539$299$161$84$33
47 years$899$515$281$148$76$29
48 years$870$491$264$137$69$26
49 years$843$469$248$127$63$23
50 years$816$448$234$117$57$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $836,000, adding $2,442 every year, while hoping to spend $43,627 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: 48/29/23 Blend
39$836,000$836,000$836,000$836,000
40$923,791$879,483$866,525$961,995
41$971,599$876,159$849,135$985,607
42$1,022,821$871,210$829,700$1,006,679
43$1,077,759$864,510$808,105$1,028,675
44$1,136,746$855,926$784,232$1,051,701
45$1,200,144$845,316$757,954$1,075,876
46$1,268,354$832,532$729,140$1,101,335
47$1,341,813$817,413$697,654$1,128,230
48$1,421,005$799,793$663,352$1,156,729
49$1,506,457$779,492$626,083$1,187,024
50$1,598,751$756,323$585,693$1,219,327
51$1,698,526$730,085$542,016$1,253,877
52$1,806,484$700,568$494,882$1,290,941
53$1,923,397$667,548$444,113$1,330,816
54$2,050,115$630,788$389,521$1,373,835
55$2,187,568$590,039$330,912$1,420,370
56$2,336,786$545,036$268,083$1,470,835
57$2,498,894$495,499$200,821$1,525,691
58$2,675,137$441,134$128,903$1,585,452
59$2,866,878$381,627$52,099$1,650,693
60$3,075,622$316,649$0$1,722,048
61$3,303,022$245,852$0$1,807,558
62$3,550,898$168,866$0$1,914,801
63$3,821,253$85,304$0$2,031,919
64$4,116,291$0$0$2,159,954
65$4,438,439$0$0$2,301,730
66$4,790,368$0$0$2,486,436
67$5,175,019$0$0$2,688,406
68$5,595,630$0$0$2,909,349
69$6,055,764$0$0$3,151,151
70$6,559,348$0$0$3,415,885
71$7,110,703$0$0$3,705,837
72$7,714,589$0$0$4,023,522
73$8,376,247$0$0$4,371,711
74$9,101,449$0$0$4,753,456
75$9,896,553$0$0$5,172,117
76$10,768,560$0$0$5,631,397
77$11,725,182$0$0$6,135,373
78$12,774,915$0$0$6,688,536
79$13,927,113$0$0$7,295,833
80$15,192,084$0$0$7,962,714
81$16,581,181$0$0$8,695,182
82$18,106,911$0$0$9,499,850
83$19,783,049$0$0$10,384,004
84$21,624,775$0$0$11,355,670
85$23,648,808$0$0$12,423,689
86$25,873,570$0$0$13,597,803
87$28,319,353$0$0$14,888,743
88$31,008,517$0$0$16,308,335
89$33,965,694$0$0$17,869,604
90$37,218,023$0$0$19,586,905
91$40,795,407$0$0$21,476,049
92$44,730,790$0$0$23,554,462
93$49,060,472$0$0$25,841,341
94$53,824,445$0$0$28,357,837
95$59,066,778$0$0$31,127,258
96$64,836,024$0$0$34,175,282
97$71,185,683$0$0$37,530,206
98$78,174,704$0$0$41,223,206
99$85,868,039$0$0$45,288,638
100$94,337,259$0$0$49,764,355