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

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 $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%15.9%
1 years$751,469$744,776$738,245$731,871$725,647$708,105
2 years$372,015$365,086$358,371$351,861$345,546$327,978
3 years$245,546$238,588$231,890$225,441$219,229$202,184
4 years$182,324$175,387$168,757$162,417$156,356$139,965
5 years$144,401$137,506$130,962$124,752$118,859$103,169
6 years$119,127$112,284$105,837$99,765$94,049$79,075
7 years$101,082$94,296$87,951$82,023$76,487$62,231
8 years$87,554$80,829$74,589$68,807$63,453$49,909
9 years$77,037$70,376$64,244$58,608$53,437$40,594
10 years$68,629$62,033$56,009$50,521$45,531$33,374
11 years$61,754$55,224$49,310$43,968$39,158$27,670
12 years$56,029$49,566$43,761$38,566$33,934$23,096
13 years$51,189$44,794$39,098$34,048$29,591$19,382
14 years$47,043$40,716$35,129$30,224$25,939$16,337
15 years$43,454$37,195$31,717$26,954$22,839$13,821
16 years$40,316$34,126$28,756$24,135$20,185$11,727
17 years$37,551$31,428$26,167$21,685$17,897$9,976
18 years$35,095$29,041$23,887$19,542$15,914$8,504
19 years$32,901$26,915$21,867$17,658$14,184$7,262
20 years$30,928$25,011$20,069$15,993$12,670$6,211
21 years$29,146$23,297$18,459$14,515$11,338$5,318
22 years$27,527$21,747$17,013$13,197$10,163$4,559
23 years$26,052$20,339$15,709$12,019$9,123$3,912
24 years$24,702$19,056$14,528$10,962$8,200$3,359
25 years$23,461$17,884$13,456$10,011$7,378$2,887
26 years$22,318$16,808$12,480$9,154$6,646$2,482
27 years$21,261$15,818$11,588$8,379$5,992$2,135
28 years$20,282$14,905$10,773$7,677$5,407$1,837
29 years$19,372$14,061$10,025$7,040$4,882$1,582
30 years$18,524$13,279$9,338$6,461$4,411$1,362
31 years$17,732$12,553$8,706$5,933$3,988$1,173
32 years$16,991$11,878$8,122$5,453$3,608$1,011
33 years$16,297$11,249$7,584$5,015$3,265$871
34 years$15,645$10,661$7,086$4,614$2,956$751
35 years$15,031$10,112$6,625$4,247$2,677$647
36 years$14,453$9,598$6,197$3,912$2,426$558
37 years$13,907$9,116$5,801$3,604$2,199$481
38 years$13,392$8,663$5,432$3,322$1,993$415
39 years$12,904$8,238$5,089$3,063$1,808$358
40 years$12,441$7,838$4,770$2,825$1,640$309
41 years$12,002$7,461$4,473$2,607$1,487$266
42 years$11,586$7,105$4,196$2,406$1,350$230
43 years$11,189$6,770$3,937$2,221$1,225$198
44 years$10,812$6,453$3,696$2,050$1,112$171
45 years$10,453$6,154$3,470$1,894$1,009$147
46 years$10,110$5,870$3,259$1,749$916$127
47 years$9,783$5,602$3,062$1,616$832$110
48 years$9,470$5,348$2,877$1,493$756$95
49 years$9,171$5,107$2,705$1,380$686$82
50 years$8,885$4,878$2,543$1,276$623$70

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 $4,045 every year, while hoping to spend $55,063 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: 55/33/12 Blend
39$9,100,000$9,100,000$9,100,000$9,100,000
40$10,032,372$9,550,072$9,409,022$10,553,158
41$10,997,088$9,959,439$9,665,638$11,316,196
42$12,058,359$10,387,020$9,929,005$12,140,251
43$13,225,976$10,833,648$10,199,291$13,036,219
44$14,510,726$11,300,198$10,476,668$14,010,962
45$15,924,495$11,787,583$10,761,311$15,072,022
46$17,480,380$12,296,760$11,053,401$16,227,690
47$19,192,809$12,828,732$11,353,121$17,487,082
48$21,077,684$13,384,548$11,660,659$18,860,222
49$23,152,523$13,965,307$11,976,206$20,358,132
50$25,436,630$14,572,157$12,299,959$21,992,935
51$27,951,277$15,206,303$12,632,118$23,777,965
52$30,719,901$15,869,005$12,972,888$25,727,890
53$33,768,329$16,561,584$13,322,478$27,858,846
54$37,125,019$17,285,422$13,681,101$30,188,588
55$40,821,330$18,041,967$14,048,977$32,736,649
56$44,891,815$18,832,733$14,426,327$35,524,526
57$49,374,551$19,659,308$14,813,380$38,575,875
58$54,311,495$20,523,353$15,210,368$41,916,729
59$59,748,880$21,426,611$15,617,528$45,575,743
60$65,737,654$22,370,903$16,035,103$49,584,458
61$72,333,956$23,358,138$16,463,341$53,977,592
62$79,599,649$24,390,316$16,902,492$58,793,363
63$87,602,903$25,469,532$17,352,815$64,073,846
64$96,418,838$26,597,977$17,814,573$69,865,364
65$106,130,232$27,777,951$18,288,034$76,218,917
66$116,828,303$29,011,858$18,773,471$83,190,660
67$128,613,571$30,302,220$19,271,163$90,842,425
68$141,596,802$31,651,675$19,781,394$99,242,297
69$155,900,059$33,062,991$20,304,454$108,465,251
70$171,657,851$34,539,063$20,840,639$118,593,854
71$189,018,401$36,082,926$21,390,249$129,719,031
72$208,145,047$37,697,759$21,953,592$141,940,921
73$229,217,785$39,386,893$22,530,980$155,369,811
74$252,434,963$41,153,815$23,122,732$170,127,167
75$278,015,158$43,002,180$23,729,173$186,346,774
76$306,199,235$44,935,818$24,350,631$204,175,988
77$337,252,624$46,958,740$24,987,444$223,777,116
78$371,467,823$49,075,149$25,639,954$245,328,939
79$409,167,157$51,289,448$26,308,509$269,028,388
80$450,705,827$53,606,250$26,993,463$295,092,388
81$496,475,254$56,030,390$27,695,178$323,759,901
82$546,906,783$58,566,932$28,414,019$355,294,163
83$602,475,746$61,221,182$29,150,360$389,985,156
84$663,705,953$63,998,702$29,904,578$428,152,335
85$731,174,639$66,905,317$30,677,060$470,147,626
86$805,517,907$69,947,132$31,468,197$516,358,734
87$887,436,738$73,130,545$32,278,385$567,212,787
88$977,703,603$76,462,260$33,108,029$623,180,353
89$1,077,169,760$79,949,301$33,957,538$684,779,861
90$1,186,773,288$83,599,029$34,827,328$752,582,480
91$1,307,547,940$87,419,158$35,717,820$827,217,494
92$1,440,632,906$91,417,773$36,629,443$909,378,215
93$1,587,283,563$95,603,344$37,562,630$999,828,516
94$1,748,883,330$99,984,751$38,517,821$1,099,410,016
95$1,926,956,723$104,571,297$39,495,462$1,209,049,999
96$2,123,183,752$109,372,734$40,496,003$1,329,770,154
97$2,339,415,778$114,399,281$41,519,902$1,462,696,183
98$2,577,692,989$119,661,648$42,567,621$1,609,068,412
99$2,840,263,665$125,171,060$43,639,627$1,770,253,467
100$3,129,605,399$130,939,282$44,736,395$1,947,757,150