Can I retire at age 40 with 13,600,000?

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 $13,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$1,123,075$1,113,072$1,103,311$1,093,785$1,084,483$1,066,517
2 years$555,978$545,623$535,588$525,858$516,421$498,372
3 years$366,970$356,571$346,561$336,922$327,638$310,070
4 years$272,485$262,117$252,208$242,734$233,674$216,721
5 years$215,808$205,503$195,723$186,443$177,636$161,346
6 years$178,036$167,809$158,174$149,100$140,557$124,950
7 years$151,067$140,926$131,443$122,583$114,310$99,391
8 years$130,849$120,799$111,474$102,832$94,832$80,597
9 years$115,133$105,177$96,013$87,590$79,862$66,304
10 years$102,567$92,709$83,706$75,503$68,046$55,153
11 years$92,292$82,533$73,693$65,711$58,522$46,281
12 years$83,736$74,077$65,401$57,637$50,714$39,108
13 years$76,502$66,944$58,431$50,885$44,224$33,237
14 years$70,307$60,850$52,501$45,170$38,766$28,379
15 years$64,942$55,588$47,401$40,284$34,133$24,326
16 years$60,253$51,001$42,976$36,070$30,167$20,920
17 years$56,120$46,970$39,107$32,408$26,748$18,041
18 years$52,450$43,402$35,699$29,206$23,783$15,594
19 years$49,170$40,225$32,681$26,390$21,198$13,505
20 years$46,222$37,379$29,993$23,902$18,935$11,717
21 years$43,558$34,817$27,588$21,692$16,944$10,180
22 years$41,140$32,500$25,426$19,723$15,188$8,855
23 years$38,935$30,397$23,477$17,962$13,634$7,712
24 years$36,917$28,480$21,712$16,383$12,254$6,722
25 years$35,063$26,727$20,110$14,962$11,027$5,864
26 years$33,354$25,119$18,651$13,680$9,933$5,119
27 years$31,775$23,640$17,319$12,522$8,955$4,472
28 years$30,311$22,276$16,100$11,473$8,080$3,908
29 years$28,951$21,015$14,983$10,521$7,296$3,417
30 years$27,684$19,846$13,956$9,655$6,593$2,989
31 years$26,500$18,761$13,010$8,868$5,961$2,616
32 years$25,393$17,752$12,139$8,150$5,392$2,290
33 years$24,356$16,811$11,334$7,494$4,880$2,005
34 years$23,381$15,933$10,590$6,895$4,418$1,756
35 years$22,464$15,113$9,901$6,348$4,001$1,538
36 years$21,600$14,344$9,262$5,846$3,625$1,347
37 years$20,785$13,624$8,669$5,386$3,286$1,180
38 years$20,014$12,947$8,118$4,965$2,979$1,034
39 years$19,284$12,311$7,606$4,578$2,701$907
40 years$18,593$11,713$7,129$4,222$2,450$795
41 years$17,938$11,150$6,685$3,896$2,223$697
42 years$17,315$10,619$6,271$3,595$2,017$611
43 years$16,723$10,118$5,884$3,319$1,831$535
44 years$16,159$9,644$5,523$3,064$1,662$470
45 years$15,622$9,197$5,186$2,830$1,509$412
46 years$15,109$8,773$4,871$2,614$1,370$361
47 years$14,620$8,372$4,576$2,415$1,244$317
48 years$14,153$7,993$4,300$2,232$1,129$278
49 years$13,706$7,632$4,042$2,062$1,026$243
50 years$13,278$7,291$3,800$1,906$932$214

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $13,600,000, adding $3,894 every year, while hoping to spend $41,189 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: 60/21/19 Blend
39$13,600,000$13,600,000$13,600,000$13,600,000
40$14,991,217$14,270,417$14,059,617$15,816,326
41$16,476,496$14,925,842$14,486,789$17,030,383
42$18,111,893$15,612,003$14,926,891$18,349,391
43$19,912,677$16,330,362$15,380,313$19,787,463
44$21,895,672$17,082,452$15,847,455$21,356,142
45$24,079,418$17,869,879$16,328,732$23,068,121
46$26,484,342$18,694,327$16,824,568$24,937,361
47$29,132,957$19,557,561$17,335,404$26,979,223
48$32,050,068$20,461,431$17,861,689$29,210,603
49$35,263,009$21,407,875$18,403,889$31,650,095
50$38,801,901$22,398,926$18,962,484$34,318,155
51$42,699,934$23,436,713$19,537,967$37,237,296
52$46,993,685$24,523,469$20,130,847$40,432,292
53$51,723,457$25,661,535$20,741,646$43,930,413
54$56,933,662$26,853,362$21,370,903$47,761,668
55$62,673,242$28,101,524$22,019,175$51,959,095
56$68,996,128$29,408,714$22,687,033$56,559,058
57$75,961,751$30,777,759$23,375,066$61,601,591
58$83,635,599$32,211,619$24,083,881$67,130,768
59$92,089,842$33,713,399$24,814,102$73,195,112
60$101,404,004$35,286,354$25,566,373$79,848,050
61$111,665,722$36,933,896$26,341,357$87,148,408
62$122,971,569$38,659,600$27,139,735$95,160,963
63$135,427,964$40,467,215$27,962,212$103,957,043
64$149,152,181$42,360,673$28,809,510$113,615,197
65$164,273,450$44,344,093$29,682,375$124,221,927
66$180,934,183$46,421,794$30,581,576$135,872,499
67$199,291,313$48,598,305$31,507,902$148,671,828
68$219,517,778$50,878,374$32,462,168$162,735,468
69$241,804,154$53,266,976$33,445,213$178,190,689
70$266,360,450$55,769,330$34,457,899$195,177,668
71$293,418,094$58,390,906$35,501,118$213,850,805
72$323,232,119$61,137,439$36,575,784$234,380,171
73$356,083,563$64,014,942$37,682,841$256,953,099
74$392,282,130$67,029,717$38,823,260$281,775,945
75$432,169,109$70,188,376$39,998,041$309,076,021
76$476,120,598$73,497,845$41,208,215$339,103,733
77$524,551,051$76,965,392$42,454,842$372,134,926
78$577,917,193$80,598,632$43,739,015$408,473,481
79$636,722,334$84,405,551$45,061,858$448,454,165
80$701,521,113$88,394,524$46,424,531$492,445,779
81$772,924,739$92,574,329$47,828,226$540,854,623
82$851,606,763$96,954,172$49,274,172$594,128,318
83$938,309,430$101,543,703$50,763,634$652,760,010
84$1,033,850,690$106,353,043$52,297,914$717,293,015
85$1,139,131,920$111,392,801$53,878,354$788,325,924
86$1,255,146,432$116,674,105$55,506,335$866,518,237
87$1,382,988,851$122,208,619$57,183,280$952,596,569
88$1,523,865,447$128,008,574$58,910,653$1,047,361,490
89$1,679,105,525$134,086,797$60,689,962$1,151,695,057
90$1,850,173,974$140,456,736$62,522,762$1,266,569,124
91$2,038,685,096$147,132,492$64,410,650$1,393,054,486
92$2,246,417,842$154,128,851$66,355,274$1,532,330,969
93$2,475,332,616$161,461,318$68,358,329$1,685,698,539
94$2,727,589,771$169,146,151$70,421,561$1,854,589,547
95$3,005,570,012$177,200,397$72,546,768$2,040,582,225
96$3,311,896,870$185,641,933$74,735,802$2,245,415,553
97$3,649,461,467$194,489,504$76,990,567$2,471,005,644
98$4,021,449,813$203,762,766$79,313,028$2,719,463,806
99$4,431,372,883$213,482,331$81,705,203$2,993,116,432
100$4,883,099,765$223,669,813$84,169,176$3,294,526,934