Can I retire at age 40 with 9,100,000?

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 $9,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$751,469$744,776$738,245$731,871$725,647$710,705
2 years$372,015$365,086$358,371$351,861$345,546$330,560
3 years$245,546$238,588$231,890$225,441$219,229$204,667
4 years$182,324$175,387$168,757$162,417$156,356$142,330
5 years$144,401$137,506$130,962$124,752$118,859$105,409
6 years$119,127$112,284$105,837$99,765$94,049$81,189
7 years$101,082$94,296$87,951$82,023$76,487$64,220
8 years$87,554$80,829$74,589$68,807$63,453$51,775
9 years$77,037$70,376$64,244$58,608$53,437$42,340
10 years$68,629$62,033$56,009$50,521$45,531$35,004
11 years$61,754$55,224$49,310$43,968$39,158$29,188
12 years$56,029$49,566$43,761$38,566$33,934$24,506
13 years$51,189$44,794$39,098$34,048$29,591$20,689
14 years$47,043$40,716$35,129$30,224$25,939$17,546
15 years$43,454$37,195$31,717$26,954$22,839$14,937
16 years$40,316$34,126$28,756$24,135$20,185$12,756
17 years$37,551$31,428$26,167$21,685$17,897$10,921
18 years$35,095$29,041$23,887$19,542$15,914$9,372
19 years$32,901$26,915$21,867$17,658$14,184$8,057
20 years$30,928$25,011$20,069$15,993$12,670$6,938
21 years$29,146$23,297$18,459$14,515$11,338$5,982
22 years$27,527$21,747$17,013$13,197$10,163$5,164
23 years$26,052$20,339$15,709$12,019$9,123$4,462
24 years$24,702$19,056$14,528$10,962$8,200$3,859
25 years$23,461$17,884$13,456$10,011$7,378$3,340
26 years$22,318$16,808$12,480$9,154$6,646$2,892
27 years$21,261$15,818$11,588$8,379$5,992$2,506
28 years$20,282$14,905$10,773$7,677$5,407$2,173
29 years$19,372$14,061$10,025$7,040$4,882$1,884
30 years$18,524$13,279$9,338$6,461$4,411$1,635
31 years$17,732$12,553$8,706$5,933$3,988$1,419
32 years$16,991$11,878$8,122$5,453$3,608$1,232
33 years$16,297$11,249$7,584$5,015$3,265$1,069
34 years$15,645$10,661$7,086$4,614$2,956$929
35 years$15,031$10,112$6,625$4,247$2,677$807
36 years$14,453$9,598$6,197$3,912$2,426$701
37 years$13,907$9,116$5,801$3,604$2,199$609
38 years$13,392$8,663$5,432$3,322$1,993$529
39 years$12,904$8,238$5,089$3,063$1,808$460
40 years$12,441$7,838$4,770$2,825$1,640$399
41 years$12,002$7,461$4,473$2,607$1,487$347
42 years$11,586$7,105$4,196$2,406$1,350$302
43 years$11,189$6,770$3,937$2,221$1,225$262
44 years$10,812$6,453$3,696$2,050$1,112$228
45 years$10,453$6,154$3,470$1,894$1,009$198
46 years$10,110$5,870$3,259$1,749$916$172
47 years$9,783$5,602$3,062$1,616$832$150
48 years$9,470$5,348$2,877$1,493$756$130
49 years$9,171$5,107$2,705$1,380$686$113
50 years$8,885$4,878$2,543$1,276$623$98

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $9,100,000, adding $4,218 every year, while hoping to spend $59,879 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: 67/21/12 Blend
39$9,100,000$9,100,000$9,100,000$9,100,000
40$10,032,551$9,550,251$9,409,201$10,677,828
41$10,992,160$9,954,502$9,660,698$11,512,214
42$12,047,643$10,376,555$9,918,614$12,416,646
43$13,208,715$10,817,219$10,183,100$13,403,958
44$14,486,081$11,277,339$10,454,311$14,482,261
45$15,891,535$11,757,803$10,732,404$15,660,476
46$17,438,074$12,259,538$11,017,542$16,948,426
47$19,140,016$12,783,514$11,309,889$18,356,915
48$21,013,140$13,330,748$11,609,611$19,897,838
49$23,074,828$13,902,303$11,916,881$21,584,287
50$25,344,236$14,499,291$12,231,873$23,430,670
51$27,842,471$15,122,879$12,554,764$25,452,851
52$30,592,789$15,774,287$12,885,734$27,668,293
53$33,620,817$16,454,790$13,224,970$30,096,221
54$36,954,792$17,165,727$13,572,658$32,757,801
55$40,625,829$17,908,496$13,928,990$35,676,340
56$44,668,214$18,684,562$14,294,162$38,877,498
57$49,119,727$19,495,460$14,668,371$42,389,534
58$54,021,997$20,342,796$15,051,819$46,243,564
59$59,420,898$21,228,251$15,444,713$50,473,853
60$65,366,981$22,153,586$15,847,262$55,118,140
61$71,915,946$23,120,644$16,259,678$60,217,983
62$79,129,173$24,131,357$16,682,178$65,819,154
63$87,074,301$25,187,745$17,114,983$71,972,066
64$95,825,861$26,291,926$17,558,316$78,732,243
65$105,465,985$27,446,117$18,012,406$86,160,843
66$116,085,177$28,652,638$18,477,483$94,325,230
67$127,783,168$29,913,920$18,953,782$103,299,604
68$140,669,860$31,232,511$19,441,542$113,165,700
69$154,866,358$32,611,076$19,941,006$124,013,553
70$170,506,116$34,052,409$20,452,419$135,942,344
71$187,736,196$35,559,433$20,976,032$149,061,329
72$206,718,656$37,135,213$21,512,097$163,490,871
73$227,632,077$38,782,957$22,060,871$179,363,561
74$250,673,254$40,506,026$22,622,614$196,825,473
75$276,059,045$42,307,941$23,197,591$216,037,532
76$304,028,427$44,192,390$23,786,070$237,177,030
77$334,844,743$46,163,233$24,388,320$260,439,288
78$368,798,194$48,224,519$25,004,616$286,039,500
79$406,208,575$50,380,486$25,635,236$314,214,750
80$447,428,293$52,635,573$26,280,459$345,226,249
81$492,845,696$54,994,432$26,940,571$379,361,790
82$542,888,734$57,461,937$27,615,858$416,938,456
83$598,029,005$60,043,192$28,306,609$458,305,607
84$658,786,200$62,743,545$29,013,117$503,848,167
85$725,733,014$65,568,600$29,735,678$553,990,250
86$799,500,547$68,524,227$30,474,589$609,199,155
87$880,784,266$71,616,578$31,230,151$669,989,764
88$970,350,566$74,852,095$32,002,666$736,929,396
89$1,069,044,007$78,237,531$32,792,439$810,643,150
90$1,177,795,287$81,779,961$33,599,776$891,819,792
91$1,297,630,024$85,486,796$34,424,986$981,218,251
92$1,429,678,441$89,365,805$35,268,379$1,079,674,767
93$1,575,186,038$93,425,125$36,130,265$1,188,110,771
94$1,735,525,341$97,673,284$37,010,956$1,307,541,574
95$1,912,208,869$102,119,218$37,910,766$1,439,085,938
96$2,106,903,405$106,772,291$38,830,008$1,583,976,617
97$2,321,445,735$111,642,315$39,768,996$1,743,571,985
98$2,557,859,985$116,739,573$40,728,042$1,919,368,840
99$2,818,376,732$122,074,841$41,707,460$2,113,016,520
100$3,105,454,060$127,659,410$42,707,562$2,326,332,454