Can I retire at age 40 with 5,200,000?

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 $5,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$429,411$425,586$421,854$418,212$414,655$402,835
2 years$212,580$208,621$204,784$201,063$197,455$185,638
3 years$140,312$136,336$132,509$128,823$125,274$113,831
4 years$104,185$100,221$96,432$92,810$89,346$78,365
5 years$82,515$78,575$74,835$71,287$67,919$57,430
6 years$68,073$64,162$60,478$57,009$53,742$43,754
7 years$57,761$53,883$50,258$46,870$43,707$34,220
8 years$50,031$46,188$42,622$39,318$36,259$27,268
9 years$44,021$40,215$36,711$33,490$30,535$22,031
10 years$39,217$35,447$32,005$28,869$26,018$17,989
11 years$35,288$31,557$28,177$25,125$22,376$14,810
12 years$32,017$28,324$25,006$22,038$19,391$12,273
13 years$29,251$25,596$22,341$19,456$16,909$10,223
14 years$26,882$23,266$20,074$17,271$14,822$8,552
15 years$24,831$21,254$18,124$15,403$13,051$7,179
16 years$23,038$19,500$16,432$13,791$11,534$6,044
17 years$21,458$17,959$14,953$12,391$10,227$5,101
18 years$20,054$16,595$13,650$11,167$9,093$4,313
19 years$18,800$15,380$12,496$10,090$8,105$3,653
20 years$17,673$14,292$11,468$9,139$7,240$3,098
21 years$16,655$13,312$10,548$8,294$6,479$2,631
22 years$15,730$12,427$9,722$7,541$5,807$2,236
23 years$14,887$11,622$8,976$6,868$5,213$1,902
24 years$14,115$10,889$8,302$6,264$4,686$1,619
25 years$13,406$10,219$7,689$5,721$4,216$1,379
26 years$12,753$9,604$7,131$5,231$3,798$1,175
27 years$12,149$9,039$6,622$4,788$3,424$1,002
28 years$11,590$8,517$6,156$4,387$3,090$855
29 years$11,070$8,035$5,729$4,023$2,790$729
30 years$10,585$7,588$5,336$3,692$2,521$622
31 years$10,133$7,173$4,975$3,391$2,279$531
32 years$9,709$6,787$4,641$3,116$2,062$453
33 years$9,312$6,428$4,334$2,865$1,866$387
34 years$8,940$6,092$4,049$2,636$1,689$331
35 years$8,589$5,778$3,786$2,427$1,530$282
36 years$8,259$5,484$3,541$2,235$1,386$241
37 years$7,947$5,209$3,315$2,059$1,256$206
38 years$7,652$4,950$3,104$1,898$1,139$176
39 years$7,373$4,707$2,908$1,750$1,033$150
40 years$7,109$4,479$2,726$1,614$937$129
41 years$6,859$4,263$2,556$1,489$850$110
42 years$6,620$4,060$2,398$1,375$771$94
43 years$6,394$3,869$2,250$1,269$700$80
44 years$6,178$3,688$2,112$1,172$635$69
45 years$5,973$3,516$1,983$1,082$577$59
46 years$5,777$3,354$1,862$999$524$50
47 years$5,590$3,201$1,750$923$476$43
48 years$5,411$3,056$1,644$853$432$37
49 years$5,241$2,918$1,545$789$392$31
50 years$5,077$2,788$1,453$729$356$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $5,200,000, adding $5,015 every year, while hoping to spend $37,224 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: 30/47/23 Blend
39$5,200,000$5,200,000$5,200,000$5,200,000
40$5,735,573$5,459,973$5,379,373$5,866,497
41$6,280,995$5,687,906$5,519,976$6,195,360
42$6,880,803$5,925,759$5,664,041$6,545,247
43$7,540,505$6,173,981$5,811,646$6,920,891
44$8,266,168$6,433,038$5,962,869$7,324,546
45$9,064,480$6,703,420$6,117,787$7,758,683
46$9,942,808$6,985,638$6,276,484$8,226,009
47$10,909,267$7,280,228$6,439,040$8,729,492
48$11,972,804$7,587,750$6,605,538$9,272,385
49$13,143,270$7,908,790$6,776,064$9,858,254
50$14,431,526$8,243,963$6,950,704$10,491,012
51$15,849,534$8,593,909$7,129,546$11,174,952
52$17,410,478$8,959,302$7,312,677$11,914,785
53$19,128,883$9,340,844$7,500,188$12,715,682
54$21,020,755$9,739,272$7,692,170$13,583,318
55$23,103,731$10,155,356$7,888,717$14,523,926
56$25,397,245$10,589,902$8,089,923$15,544,352
57$27,922,711$11,043,753$8,295,882$16,652,113
58$30,703,725$11,517,795$8,506,691$17,855,469
59$33,766,289$12,012,951$8,722,449$19,163,495
60$37,139,054$12,530,189$8,943,255$20,586,166
61$40,853,592$13,070,522$9,169,208$22,134,441
62$44,944,693$13,635,013$9,400,412$23,820,370
63$49,450,693$14,224,770$9,636,967$25,657,199
64$54,413,838$14,840,957$9,878,979$27,659,492
65$59,880,677$15,484,792$10,126,552$29,843,264
66$65,902,507$16,157,548$10,379,793$32,226,128
67$72,535,855$16,860,560$10,638,808$34,827,454
68$79,843,010$17,595,225$10,903,706$37,668,551
69$87,892,613$18,363,007$11,174,596$40,772,857
70$96,760,302$19,165,437$11,451,588$44,166,162
71$106,529,428$20,004,119$11,734,792$47,876,838
72$117,291,842$20,880,733$12,024,320$51,936,105
73$129,148,760$21,797,039$12,320,284$56,378,321
74$142,211,717$22,754,877$12,622,797$61,241,293
75$156,603,624$23,756,178$12,931,972$66,566,634
76$172,459,924$24,802,961$13,247,924$72,400,145
77$189,929,873$25,897,343$13,570,766$78,792,241
78$209,177,946$27,041,539$13,900,613$85,798,417
79$230,385,392$28,237,870$14,237,580$93,479,766
80$253,751,944$29,488,768$14,581,780$101,903,545
81$279,497,702$30,796,777$14,933,330$111,143,802
82$307,865,214$32,164,565$15,292,343$121,282,066
83$339,121,763$33,594,926$15,658,933$132,408,104
84$373,561,889$35,090,784$16,033,214$144,620,763
85$411,510,175$36,655,206$16,415,300$158,028,887
86$453,324,302$38,291,400$16,805,302$172,752,336
87$499,398,434$40,002,731$17,203,332$188,923,104
88$550,166,930$41,792,721$17,609,500$206,686,554
89$606,108,454$43,665,062$18,023,915$226,202,779
90$667,750,485$45,623,618$18,446,685$247,648,096
91$735,674,301$47,672,442$18,877,915$271,216,696
92$810,520,463$49,815,775$19,317,709$297,122,467
93$892,994,867$52,058,065$19,766,169$325,600,994
94$983,875,402$54,403,968$20,223,393$356,911,768
95$1,084,019,295$56,858,365$20,689,479$391,340,618
96$1,194,371,207$59,426,368$21,164,520$429,202,390
97$1,315,972,144$62,113,335$21,648,606$470,843,906
98$1,449,969,293$64,924,878$22,141,824$516,647,213
99$1,597,626,841$67,866,878$22,644,256$567,033,172
100$1,760,337,922$70,945,498$23,155,982$622,465,409