Can I retire at age 40 with 326,000?

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 $326,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$26,921$26,681$26,447$26,219$25,996$25,103
2 years$13,327$13,079$12,838$12,605$12,379$11,489
3 years$8,796$8,547$8,307$8,076$7,854$6,994
4 years$6,532$6,283$6,046$5,818$5,601$4,779
5 years$5,173$4,926$4,692$4,469$4,258$3,474
6 years$4,268$4,022$3,792$3,574$3,369$2,625
7 years$3,621$3,378$3,151$2,938$2,740$2,036
8 years$3,137$2,896$2,672$2,465$2,273$1,608
9 years$2,760$2,521$2,301$2,100$1,914$1,287
10 years$2,459$2,222$2,006$1,810$1,631$1,041
11 years$2,212$1,978$1,766$1,575$1,403$849
12 years$2,007$1,776$1,568$1,382$1,216$697
13 years$1,834$1,605$1,401$1,220$1,060$574
14 years$1,685$1,459$1,258$1,083$929$476
15 years$1,557$1,332$1,136$966$818$395
16 years$1,444$1,223$1,030$865$723$329
17 years$1,345$1,126$937$777$641$275
18 years$1,257$1,040$856$700$570$230
19 years$1,179$964$783$633$508$192
20 years$1,108$896$719$573$454$161
21 years$1,044$835$661$520$406$135
22 years$986$779$609$473$364$114
23 years$933$729$563$431$327$96
24 years$885$683$520$393$294$80
25 years$840$641$482$359$264$68
26 years$800$602$447$328$238$57
27 years$762$567$415$300$215$48
28 years$727$534$386$275$194$40
29 years$694$504$359$252$175$34
30 years$664$476$335$231$158$29
31 years$635$450$312$213$143$24
32 years$609$426$291$195$129$20
33 years$584$403$272$180$117$17
34 years$560$382$254$165$106$15
35 years$538$362$237$152$96$12
36 years$518$344$222$140$87$10
37 years$498$327$208$129$79$9
38 years$480$310$195$119$71$7
39 years$462$295$182$110$65$6
40 years$446$281$171$101$59$5
41 years$430$267$160$93$53$4
42 years$415$255$150$86$48$4
43 years$401$243$141$80$44$3
44 years$387$231$132$73$40$3
45 years$374$220$124$68$36$2
46 years$362$210$117$63$33$2
47 years$350$201$110$58$30$2
48 years$339$192$103$53$27$1
49 years$329$183$97$49$25$1
50 years$318$175$91$46$22$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $326,000, adding $5,135 every year, while hoping to spend $24,146 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: 63/24/13 Blend
39$326,000$326,000$326,000$326,000
40$364,549$347,271$342,218$386,073
41$376,042$338,596$327,991$392,448
42$387,897$328,687$312,478$396,165
43$400,128$317,457$295,611$399,630
44$412,744$304,816$277,318$402,818
45$425,760$290,668$257,523$405,704
46$439,187$274,910$236,150$408,260
47$453,038$257,435$213,115$410,459
48$467,328$238,129$188,334$412,268
49$482,069$216,871$161,718$413,655
50$497,277$193,535$133,172$414,586
51$512,967$167,985$102,600$415,025
52$529,153$140,080$69,901$414,932
53$545,852$109,669$34,968$414,268
54$563,080$76,594$0$412,987
55$580,854$40,687$0$411,366
56$599,192$1,772$0$414,233
57$618,112$0$0$416,696
58$637,632$0$0$429,374
59$657,772$0$0$442,938
60$678,552$0$0$456,932
61$699,993$0$0$471,371
62$722,116$0$0$486,271
63$744,943$0$0$501,644
64$768,498$0$0$517,508
65$792,804$0$0$533,877
66$817,885$0$0$550,769
67$843,768$0$0$568,201
68$870,478$0$0$586,191
69$898,042$0$0$604,756
70$926,490$0$0$623,917
71$955,850$0$0$643,692
72$986,153$0$0$664,103
73$1,017,430$0$0$685,170
74$1,049,714$0$0$706,916
75$1,083,039$0$0$729,364
76$1,117,440$0$0$752,537
77$1,152,954$0$0$776,460
78$1,189,619$0$0$801,159
79$1,227,473$0$0$826,661
80$1,266,560$0$0$852,993
81$1,306,920$0$0$880,184
82$1,348,599$0$0$908,265
83$1,391,644$0$0$937,266
84$1,436,101$0$0$967,221
85$1,482,022$0$0$998,163
86$1,529,460$0$0$1,030,129
87$1,578,469$0$0$1,063,155
88$1,629,106$0$0$1,097,279
89$1,681,431$0$0$1,132,544
90$1,735,508$0$0$1,168,991
91$1,791,402$0$0$1,206,665
92$1,849,181$0$0$1,245,612
93$1,908,918$0$0$1,285,882
94$1,970,689$0$0$1,327,525
95$2,034,572$0$0$1,370,597
96$2,100,652$0$0$1,415,153
97$2,169,017$0$0$1,461,254
98$2,239,759$0$0$1,508,962
99$2,312,976$0$0$1,558,344
100$2,388,771$0$0$1,609,471