Can I retire at age 40 with 484,000?

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 $484,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$39,968$39,612$39,265$38,926$38,595$37,662
2 years$19,786$19,418$19,061$18,714$18,378$17,444
3 years$13,060$12,690$12,333$11,990$11,660$10,754
4 years$9,697$9,328$8,976$8,638$8,316$7,444
5 years$7,680$7,313$6,965$6,635$6,322$5,487
6 years$6,336$5,972$5,629$5,306$5,002$4,206
7 years$5,376$5,015$4,678$4,363$4,068$3,310
8 years$4,657$4,299$3,967$3,660$3,375$2,655
9 years$4,097$3,743$3,417$3,117$2,842$2,159
10 years$3,650$3,299$2,979$2,687$2,422$1,775
11 years$3,285$2,937$2,623$2,339$2,083$1,472
12 years$2,980$2,636$2,328$2,051$1,805$1,228
13 years$2,723$2,382$2,079$1,811$1,574$1,031
14 years$2,502$2,166$1,868$1,608$1,380$869
15 years$2,311$1,978$1,687$1,434$1,215$735
16 years$2,144$1,815$1,529$1,284$1,074$624
17 years$1,997$1,672$1,392$1,153$952$531
18 years$1,867$1,545$1,270$1,039$846$452
19 years$1,750$1,432$1,163$939$754$386
20 years$1,645$1,330$1,067$851$674$330
21 years$1,550$1,239$982$772$603$283
22 years$1,464$1,157$905$702$541$242
23 years$1,386$1,082$835$639$485$208
24 years$1,314$1,014$773$583$436$179
25 years$1,248$951$716$532$392$154
26 years$1,187$894$664$487$353$132
27 years$1,131$841$616$446$319$114
28 years$1,079$793$573$408$288$98
29 years$1,030$748$533$374$260$84
30 years$985$706$497$344$235$72
31 years$943$668$463$316$212$62
32 years$904$632$432$290$192$54
33 years$867$598$403$267$174$46
34 years$832$567$377$245$157$40
35 years$799$538$352$226$142$34
36 years$769$510$330$208$129$30
37 years$740$485$309$192$117$26
38 years$712$461$289$177$106$22
39 years$686$438$271$163$96$19
40 years$662$417$254$150$87$16
41 years$638$397$238$139$79$14
42 years$616$378$223$128$72$12
43 years$595$360$209$118$65$11
44 years$575$343$197$109$59$9
45 years$556$327$185$101$54$8
46 years$538$312$173$93$49$7
47 years$520$298$163$86$44$6
48 years$504$284$153$79$40$5
49 years$488$272$144$73$37$4
50 years$473$259$135$68$33$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $484,000, adding $3,388 every year, while hoping to spend $27,737 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: 69/19/12 Blend
39$484,000$484,000$484,000$484,000
40$536,863$511,211$503,709$572,286
41$562,111$506,748$491,071$591,791
42$589,004$501,137$477,080$609,465
43$617,682$494,292$461,662$628,075
44$648,296$486,123$444,738$647,709
45$681,013$476,533$426,227$668,464
46$716,014$465,421$406,043$690,448
47$753,499$452,679$384,098$713,781
48$793,689$438,193$360,298$738,595
49$836,822$421,841$334,545$765,037
50$883,164$403,498$306,738$793,269
51$933,004$383,026$276,771$823,472
52$986,660$360,284$244,532$855,846
53$1,044,481$335,119$209,906$890,612
54$1,106,851$307,373$172,770$928,014
55$1,174,191$276,876$133,000$968,324
56$1,246,965$243,450$90,462$1,011,842
57$1,325,682$206,905$45,019$1,058,901
58$1,410,901$167,043$0$1,109,869
59$1,503,238$123,652$0$1,165,598
60$1,603,368$76,511$0$1,232,274
61$1,712,035$25,384$0$1,304,645
62$1,830,058$0$0$1,383,283
63$1,958,336$0$0$1,475,089
64$2,097,860$0$0$1,580,739
65$2,249,718$0$0$1,695,754
66$2,415,108$0$0$1,821,045
67$2,595,349$0$0$1,957,613
68$2,791,893$0$0$2,106,562
69$3,006,337$0$0$2,269,106
70$3,240,439$0$0$2,446,582
71$3,496,134$0$0$2,640,459
72$3,775,552$0$0$2,852,359
73$4,081,040$0$0$3,084,063
74$4,415,180$0$0$3,337,535
75$4,780,815$0$0$3,614,937
76$5,181,076$0$0$3,918,648
77$5,619,412$0$0$4,251,290
78$6,099,618$0$0$4,615,749
79$6,625,877$0$0$5,015,204
80$7,202,793$0$0$5,453,156
81$7,835,439$0$0$5,933,460
82$8,529,400$0$0$6,460,365
83$9,290,830$0$0$7,038,546
84$10,126,506$0$0$7,673,158
85$11,043,893$0$0$8,369,875
86$12,051,215$0$0$9,134,951
87$13,157,530$0$0$9,975,271
88$14,372,818$0$0$10,898,424
89$15,708,071$0$0$11,912,767
90$17,175,401$0$0$13,027,508
91$18,788,150$0$0$14,252,792
92$20,561,016$0$0$15,599,793
93$22,510,193$0$0$17,080,825
94$24,653,522$0$0$18,709,453
95$27,010,661$0$0$20,500,622
96$29,603,267$0$0$22,470,798
97$32,455,199$0$0$24,638,124
98$35,592,750$0$0$27,022,590
99$39,044,885$0$0$29,646,219
100$42,843,521$0$0$32,533,280