Can I retire at age 40 with 927,000?

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 $927,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$76,551$75,869$75,204$74,554$73,920$73,088
2 years$37,896$37,191$36,507$35,843$35,200$34,362
3 years$25,013$24,304$23,622$22,965$22,332$21,514
4 years$18,573$17,866$17,191$16,545$15,928$15,136
5 years$14,710$14,007$13,341$12,708$12,108$11,346
6 years$12,135$11,438$10,781$10,163$9,581$8,848
7 years$10,297$9,606$8,959$8,355$7,792$7,090
8 years$8,919$8,234$7,598$7,009$6,464$5,792
9 years$7,848$7,169$6,544$5,970$5,444$4,802
10 years$6,991$6,319$5,706$5,146$4,638$4,026
11 years$6,291$5,626$5,023$4,479$3,989$3,406
12 years$5,708$5,049$4,458$3,929$3,457$2,902
13 years$5,215$4,563$3,983$3,468$3,014$2,487
14 years$4,792$4,148$3,579$3,079$2,642$2,142
15 years$4,427$3,789$3,231$2,746$2,327$1,853
16 years$4,107$3,476$2,929$2,459$2,056$1,608
17 years$3,825$3,202$2,666$2,209$1,823$1,399
18 years$3,575$2,958$2,433$1,991$1,621$1,221
19 years$3,352$2,742$2,228$1,799$1,445$1,068
20 years$3,151$2,548$2,044$1,629$1,291$935
21 years$2,969$2,373$1,880$1,479$1,155$820
22 years$2,804$2,215$1,733$1,344$1,035$721
23 years$2,654$2,072$1,600$1,224$929$634
24 years$2,516$1,941$1,480$1,117$835$558
25 years$2,390$1,822$1,371$1,020$752$492
26 years$2,273$1,712$1,271$932$677$434
27 years$2,166$1,611$1,180$854$610$383
28 years$2,066$1,518$1,097$782$551$338
29 years$1,973$1,432$1,021$717$497$299
30 years$1,887$1,353$951$658$449$264
31 years$1,806$1,279$887$604$406$234
32 years$1,731$1,210$827$555$368$207
33 years$1,660$1,146$773$511$333$183
34 years$1,594$1,086$722$470$301$162
35 years$1,531$1,030$675$433$273$144
36 years$1,472$978$631$398$247$127
37 years$1,417$929$591$367$224$113
38 years$1,364$883$553$338$203$100
39 years$1,314$839$518$312$184$88
40 years$1,267$798$486$288$167$78
41 years$1,223$760$456$266$152$70
42 years$1,180$724$427$245$137$62
43 years$1,140$690$401$226$125$55
44 years$1,101$657$376$209$113$48
45 years$1,065$627$353$193$103$43
46 years$1,030$598$332$178$93$38
47 years$997$571$312$165$85$34
48 years$965$545$293$152$77$30
49 years$934$520$276$141$70$27
50 years$905$497$259$130$64$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $927,000, adding $4,036 every year, while hoping to spend $28,512 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: 48/41/11 Blend
39$927,000$927,000$927,000$927,000
40$1,025,717$976,586$962,218$1,071,670
41$1,100,004$994,102$964,115$1,121,223
42$1,180,912$1,011,521$965,121$1,171,696
43$1,269,087$1,028,808$965,175$1,225,850
44$1,365,239$1,045,925$964,214$1,284,037
45$1,470,150$1,062,832$962,171$1,346,647
46$1,584,681$1,079,485$958,979$1,414,107
47$1,709,777$1,095,839$954,564$1,486,890
48$1,846,482$1,111,843$948,849$1,565,519
49$1,995,944$1,127,444$941,756$1,650,568
50$2,159,426$1,142,584$933,201$1,742,672
51$2,338,320$1,157,204$923,096$1,842,530
52$2,534,158$1,171,236$911,349$1,950,916
53$2,748,628$1,184,612$897,865$2,068,679
54$2,983,586$1,197,257$882,542$2,196,760
55$3,241,081$1,209,091$865,276$2,336,196
56$3,523,365$1,220,031$845,956$2,488,128
57$3,832,920$1,229,984$824,468$2,653,819
58$4,172,480$1,238,856$800,690$2,834,659
59$4,545,057$1,246,543$774,496$3,032,184
60$4,953,966$1,252,937$745,755$3,248,084
61$5,402,861$1,257,921$714,329$3,484,228
62$5,895,767$1,261,373$680,073$3,742,675
63$6,437,116$1,263,161$642,836$4,025,696
64$7,031,792$1,263,147$602,461$4,335,797
65$7,685,175$1,261,181$558,784$4,675,742
66$8,403,191$1,257,108$511,632$5,048,577
67$9,192,370$1,250,759$460,825$5,457,666
68$10,059,906$1,241,960$406,176$5,906,716
69$11,013,722$1,230,522$347,488$6,399,816
70$12,062,549$1,216,246$284,558$6,941,475
71$13,216,009$1,198,921$217,170$7,536,668
72$14,484,698$1,178,324$145,101$8,190,878
73$15,880,294$1,154,219$68,119$8,910,156
74$17,415,663$1,126,355$0$9,701,170
75$19,104,980$1,094,466$0$10,572,923
76$20,963,865$1,058,271$0$11,540,520
77$23,009,527$1,017,474$0$12,604,930
78$25,260,927$971,759$0$13,776,050
79$27,738,960$920,793$0$15,064,787
80$30,466,646$864,225$0$16,483,168
81$33,469,354$801,681$0$18,044,449
82$36,775,034$732,769$0$19,763,248
83$40,414,485$657,073$0$21,655,676
84$44,421,644$574,151$0$23,739,495
85$48,833,908$483,541$0$26,034,287
86$53,692,481$384,749$0$28,561,636
87$59,042,772$277,259$0$31,345,337
88$64,934,812$160,522$0$34,411,620
89$71,423,735$33,960$0$37,789,400
90$78,570,293$0$0$41,510,548
91$86,441,433$0$0$45,656,687
92$95,110,923$0$0$50,240,379
93$104,660,055$0$0$55,289,298
94$115,178,403$0$0$60,850,826
95$126,764,679$0$0$66,977,173
96$139,527,654$0$0$73,725,874
97$153,587,191$0$0$81,160,328
98$169,075,375$0$0$89,350,402
99$186,137,755$0$0$98,373,081
100$204,934,724$0$0$108,313,206