Can I retire at age 41 with 400,000?

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 $400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$33,032$32,737$32,450$32,170$31,897$30,888
2 years$16,352$16,048$15,753$15,466$15,189$14,182
3 years$10,793$10,487$10,193$9,909$9,636$8,663
4 years$8,014$7,709$7,418$7,139$6,873$5,940
5 years$6,347$6,044$5,757$5,484$5,225$4,335
6 years$5,236$4,936$4,652$4,385$4,134$3,288
7 years$4,443$4,145$3,866$3,605$3,362$2,560
8 years$3,849$3,553$3,279$3,024$2,789$2,030
9 years$3,386$3,093$2,824$2,576$2,349$1,632
10 years$3,017$2,727$2,462$2,221$2,001$1,326
11 years$2,714$2,427$2,167$1,933$1,721$1,086
12 years$2,463$2,179$1,924$1,695$1,492$895
13 years$2,250$1,969$1,719$1,497$1,301$742
14 years$2,068$1,790$1,544$1,329$1,140$617
15 years$1,910$1,635$1,394$1,185$1,004$515
16 years$1,772$1,500$1,264$1,061$887$431
17 years$1,651$1,381$1,150$953$787$362
18 years$1,543$1,277$1,050$859$699$304
19 years$1,446$1,183$961$776$623$256
20 years$1,359$1,099$882$703$557$216
21 years$1,281$1,024$811$638$498$182
22 years$1,210$956$748$580$447$154
23 years$1,145$894$690$528$401$130
24 years$1,086$838$639$482$360$110
25 years$1,031$786$591$440$324$93
26 years$981$739$549$402$292$79
27 years$935$695$509$368$263$67
28 years$892$655$474$337$238$57
29 years$852$618$441$309$215$48
30 years$814$584$410$284$194$41
31 years$779$552$383$261$175$34
32 years$747$522$357$240$159$29
33 years$716$494$333$220$144$25
34 years$688$469$311$203$130$21
35 years$661$444$291$187$118$18
36 years$635$422$272$172$107$15
37 years$611$401$255$158$97$13
38 years$589$381$239$146$88$11
39 years$567$362$224$135$79$9
40 years$547$345$210$124$72$8
41 years$528$328$197$115$65$7
42 years$509$312$184$106$59$6
43 years$492$298$173$98$54$5
44 years$475$284$162$90$49$4
45 years$459$270$153$83$44$3
46 years$444$258$143$77$40$3
47 years$430$246$135$71$37$2
48 years$416$235$126$66$33$2
49 years$403$224$119$61$30$2
50 years$391$214$112$56$27$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $400,000, adding $6,071 every year, while hoping to spend $26,846 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: 44/33/23 Blend
40$400,000$400,000$400,000$400,000
41$447,062$425,862$419,662$463,518
42$464,099$418,166$405,157$468,060
43$481,973$409,192$389,266$469,905
44$500,742$398,851$371,915$471,366
45$520,469$387,045$353,025$472,420
46$541,220$373,674$332,514$473,045
47$563,069$358,628$310,298$473,220
48$586,097$341,795$286,287$472,923
49$610,389$323,054$260,388$472,132
50$636,041$302,275$232,504$470,826
51$663,156$279,326$202,532$468,984
52$691,848$254,063$170,366$466,587
53$722,239$226,335$135,896$463,615
54$754,465$195,982$99,006$460,052
55$788,672$162,837$59,575$455,881
56$825,021$126,722$17,475$451,089
57$863,690$87,447$0$445,666
58$904,870$44,816$0$446,340
59$948,772$0$0$451,386
60$995,628$0$0$457,046
61$1,045,691$0$0$480,510
62$1,099,238$0$0$505,639
63$1,156,574$0$0$532,578
64$1,218,033$0$0$561,489
65$1,283,980$0$0$592,549
66$1,354,817$0$0$625,950
67$1,430,986$0$0$661,908
68$1,512,970$0$0$700,654
69$1,601,302$0$0$742,446
70$1,696,565$0$0$787,566
71$1,799,400$0$0$836,324
72$1,910,513$0$0$889,061
73$2,030,678$0$0$946,152
74$2,160,746$0$0$1,008,007
75$2,301,654$0$0$1,075,080
76$2,454,430$0$0$1,147,868
77$2,620,207$0$0$1,226,920
78$2,800,230$0$0$1,312,837
79$2,995,866$0$0$1,406,281
80$3,208,623$0$0$1,507,983
81$3,440,157$0$0$1,618,743
82$3,692,291$0$0$1,739,444
83$3,967,033$0$0$1,871,058
84$4,266,589$0$0$2,014,654
85$4,593,389$0$0$2,171,408
86$4,950,109$0$0$2,342,616
87$5,339,693$0$0$2,529,703
88$5,765,381$0$0$2,734,239
89$6,230,742$0$0$2,957,953
90$6,739,705$0$0$3,202,748
91$7,296,594$0$0$3,470,719
92$7,906,174$0$0$3,764,173
93$8,573,689$0$0$4,085,653
94$9,304,915$0$0$4,437,955
95$10,106,212$0$0$4,824,163
96$10,984,585$0$0$5,247,670
97$11,947,750$0$0$5,712,216
98$13,004,204$0$0$6,221,917
99$14,163,306$0$0$6,781,311
100$15,435,367$0$0$7,395,392