Can I retire at age 40 with 1,750,000?

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$144,513$143,226$141,970$140,744$139,547$138,959
2 years$71,541$70,209$68,918$67,666$66,451$65,858
3 years$47,220$45,882$44,594$43,354$42,159$41,578
4 years$35,062$33,728$32,453$31,234$30,068$29,505
5 years$27,769$26,443$25,185$23,991$22,858$22,313
6 years$22,909$21,593$20,353$19,186$18,086$17,561
7 years$19,439$18,134$16,914$15,774$14,709$14,204
8 years$16,837$15,544$14,344$13,232$12,203$11,717
9 years$14,815$13,534$12,355$11,271$10,276$9,811
10 years$13,198$11,929$10,771$9,716$8,756$8,310
11 years$11,876$10,620$9,483$8,455$7,530$7,104
12 years$10,775$9,532$8,416$7,417$6,526$6,118
13 years$9,844$8,614$7,519$6,548$5,691$5,301
14 years$9,047$7,830$6,756$5,812$4,988$4,617
15 years$8,357$7,153$6,099$5,184$4,392$4,039
16 years$7,753$6,563$5,530$4,641$3,882$3,546
17 years$7,221$6,044$5,032$4,170$3,442$3,123
18 years$6,749$5,585$4,594$3,758$3,060$2,757
19 years$6,327$5,176$4,205$3,396$2,728$2,440
20 years$5,948$4,810$3,859$3,076$2,436$2,164
21 years$5,605$4,480$3,550$2,791$2,180$1,923
22 years$5,294$4,182$3,272$2,538$1,954$1,711
23 years$5,010$3,911$3,021$2,311$1,754$1,525
24 years$4,750$3,665$2,794$2,108$1,577$1,360
25 years$4,512$3,439$2,588$1,925$1,419$1,215
26 years$4,292$3,232$2,400$1,760$1,278$1,086
27 years$4,089$3,042$2,229$1,611$1,152$971
28 years$3,900$2,866$2,072$1,476$1,040$869
29 years$3,725$2,704$1,928$1,354$939$779
30 years$3,562$2,554$1,796$1,242$848$698
31 years$3,410$2,414$1,674$1,141$767$626
32 years$3,268$2,284$1,562$1,049$694$562
33 years$3,134$2,163$1,458$964$628$504
34 years$3,009$2,050$1,363$887$568$453
35 years$2,891$1,945$1,274$817$515$407
36 years$2,779$1,846$1,192$752$467$366
37 years$2,674$1,753$1,116$693$423$329
38 years$2,575$1,666$1,045$639$383$295
39 years$2,481$1,584$979$589$348$266
40 years$2,393$1,507$917$543$315$239
41 years$2,308$1,435$860$501$286$215
42 years$2,228$1,366$807$463$260$193
43 years$2,152$1,302$757$427$236$174
44 years$2,079$1,241$711$394$214$156
45 years$2,010$1,183$667$364$194$141
46 years$1,944$1,129$627$336$176$127
47 years$1,881$1,077$589$311$160$114
48 years$1,821$1,028$553$287$145$103
49 years$1,764$982$520$265$132$92
50 years$1,709$938$489$245$120$83

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $1,750,000, adding $4,023 every year, while hoping to spend $43,155 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: 37/37/26 Blend
39$1,750,000$1,750,000$1,750,000$1,750,000
40$1,932,650$1,839,900$1,812,775$1,988,982
41$2,083,863$1,884,138$1,827,586$2,075,021
42$2,249,055$1,929,098$1,841,447$2,163,644
43$2,429,603$1,974,769$1,854,281$2,258,532
44$2,627,029$2,021,139$1,866,005$2,360,278
45$2,843,005$2,068,193$1,876,535$2,469,535
46$3,079,372$2,115,916$1,885,781$2,587,025
47$3,338,161$2,164,289$1,893,647$2,713,541
48$3,621,603$2,213,289$1,900,034$2,849,959
49$3,932,160$2,262,893$1,904,838$2,997,245
50$4,272,540$2,313,074$1,907,950$3,156,464
51$4,645,726$2,363,802$1,909,254$3,328,790
52$5,055,005$2,415,044$1,908,629$3,515,517
53$5,503,997$2,466,762$1,905,948$3,718,073
54$5,996,686$2,518,915$1,901,080$3,938,032
55$6,537,466$2,571,459$1,893,883$4,177,130
56$7,131,172$2,624,346$1,884,213$4,437,280
57$7,783,133$2,677,520$1,871,916$4,720,594
58$8,499,219$2,730,925$1,856,831$5,029,398
59$9,285,895$2,784,495$1,838,790$5,366,260
60$10,150,284$2,838,163$1,817,618$5,734,010
61$11,100,233$2,891,854$1,793,128$6,135,769
62$12,144,388$2,945,485$1,765,129$6,574,979
63$13,292,272$2,998,971$1,733,417$7,055,435
64$14,554,379$3,052,216$1,697,782$7,581,321
65$15,942,269$3,105,118$1,658,001$8,157,254
66$17,468,679$3,157,567$1,613,843$8,788,320
67$19,147,643$3,209,446$1,565,065$9,480,132
68$20,994,621$3,260,628$1,511,413$10,238,877
69$23,026,650$3,310,976$1,452,623$11,071,376
70$25,262,498$3,360,344$1,388,416$11,985,152
71$27,722,848$3,408,576$1,318,503$12,988,498
72$30,430,486$3,455,503$1,242,580$14,090,560
73$33,410,520$3,500,948$1,160,331$15,301,421
74$36,690,616$3,544,716$1,071,425$16,632,197
75$40,301,256$3,586,605$975,515$18,095,146
76$44,276,030$3,626,395$872,241$19,703,781
77$48,651,948$3,663,851$761,224$21,473,001
78$53,469,793$3,698,726$642,071$23,419,232
79$58,774,501$3,730,752$514,369$25,560,584
80$64,615,589$3,759,648$377,690$27,917,021
81$71,047,619$3,785,112$231,583$30,510,553
82$78,130,716$3,806,822$75,581$33,365,445
83$85,931,131$3,824,438$0$36,508,447
84$94,521,867$3,837,596$0$39,994,265
85$103,983,369$3,845,910$0$43,854,204
86$114,404,284$3,848,970$0$48,103,260
87$125,882,291$3,846,340$0$52,781,090
88$138,525,032$3,837,558$0$57,931,403
89$152,451,119$3,822,132$0$63,602,370
90$167,791,257$3,799,541$0$69,847,081
91$184,689,479$3,769,232$0$76,724,049
92$203,304,500$3,730,618$0$84,297,758
93$223,811,219$3,683,078$0$92,639,280
94$246,402,367$3,625,953$0$101,826,942
95$271,290,328$3,558,545$0$111,947,068
96$298,709,142$3,480,113$0$123,094,798
97$328,916,711$3,389,875$0$135,374,982
98$362,197,238$3,287,002$0$148,903,179
99$398,863,906$3,170,615$0$163,806,744
100$439,261,834$3,039,785$0$180,226,032