Can I retire at age 40 with 9,100,000?

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 $9,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$751,469$744,776$738,245$731,871$725,647$708,680
2 years$372,015$365,086$358,371$351,861$345,546$328,549
3 years$245,546$238,588$231,890$225,441$219,229$202,732
4 years$182,324$175,387$168,757$162,417$156,356$140,487
5 years$144,401$137,506$130,962$124,752$118,859$103,662
6 years$119,127$112,284$105,837$99,765$94,049$79,540
7 years$101,082$94,296$87,951$82,023$76,487$62,667
8 years$87,554$80,829$74,589$68,807$63,453$50,318
9 years$77,037$70,376$64,244$58,608$53,437$40,975
10 years$68,629$62,033$56,009$50,521$45,531$33,730
11 years$61,754$55,224$49,310$43,968$39,158$28,001
12 years$56,029$49,566$43,761$38,566$33,934$23,402
13 years$51,189$44,794$39,098$34,048$29,591$19,665
14 years$47,043$40,716$35,129$30,224$25,939$16,599
15 years$43,454$37,195$31,717$26,954$22,839$14,062
16 years$40,316$34,126$28,756$24,135$20,185$11,949
17 years$37,551$31,428$26,167$21,685$17,897$10,179
18 years$35,095$29,041$23,887$19,542$15,914$8,690
19 years$32,901$26,915$21,867$17,658$14,184$7,432
20 years$30,928$25,011$20,069$15,993$12,670$6,366
21 years$29,146$23,297$18,459$14,515$11,338$5,460
22 years$27,527$21,747$17,013$13,197$10,163$4,687
23 years$26,052$20,339$15,709$12,019$9,123$4,028
24 years$24,702$19,056$14,528$10,962$8,200$3,465
25 years$23,461$17,884$13,456$10,011$7,378$2,982
26 years$22,318$16,808$12,480$9,154$6,646$2,568
27 years$21,261$15,818$11,588$8,379$5,992$2,213
28 years$20,282$14,905$10,773$7,677$5,407$1,907
29 years$19,372$14,061$10,025$7,040$4,882$1,645
30 years$18,524$13,279$9,338$6,461$4,411$1,419
31 years$17,732$12,553$8,706$5,933$3,988$1,224
32 years$16,991$11,878$8,122$5,453$3,608$1,056
33 years$16,297$11,249$7,584$5,015$3,265$912
34 years$15,645$10,661$7,086$4,614$2,956$787
35 years$15,031$10,112$6,625$4,247$2,677$680
36 years$14,453$9,598$6,197$3,912$2,426$587
37 years$13,907$9,116$5,801$3,604$2,199$507
38 years$13,392$8,663$5,432$3,322$1,993$438
39 years$12,904$8,238$5,089$3,063$1,808$378
40 years$12,441$7,838$4,770$2,825$1,640$327
41 years$12,002$7,461$4,473$2,607$1,487$282
42 years$11,586$7,105$4,196$2,406$1,350$244
43 years$11,189$6,770$3,937$2,221$1,225$211
44 years$10,812$6,453$3,696$2,050$1,112$182
45 years$10,453$6,154$3,470$1,894$1,009$157
46 years$10,110$5,870$3,259$1,749$916$136
47 years$9,783$5,602$3,062$1,616$832$118
48 years$9,470$5,348$2,877$1,493$756$102
49 years$9,171$5,107$2,705$1,380$686$88
50 years$8,885$4,878$2,543$1,276$623$76

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $9,100,000, adding $5,620 every year, while hoping to spend $36,784 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: 65/22/13 Blend
39$9,100,000$9,100,000$9,100,000$9,100,000
40$10,033,997$9,551,697$9,410,647$10,655,588
41$11,018,327$9,980,592$9,686,766$11,500,401
42$12,101,825$10,429,271$9,970,902$12,418,333
43$13,294,569$10,898,662$10,263,285$13,420,408
44$14,607,661$11,389,743$10,564,150$14,514,837
45$16,053,335$11,903,533$10,873,742$15,710,651
46$17,645,073$12,441,103$11,192,310$17,017,788
47$19,397,728$13,003,575$11,520,110$18,447,181
48$21,327,668$13,592,122$11,857,406$20,010,861
49$23,452,931$14,207,977$12,204,470$21,722,068
50$25,793,391$14,852,429$12,561,580$23,595,374
51$28,370,948$15,526,829$12,929,024$25,646,816
52$31,209,734$16,232,593$13,307,096$27,894,048
53$34,336,343$16,971,206$13,696,099$30,356,501
54$37,780,077$17,744,222$14,096,346$33,055,565
55$41,573,226$18,553,271$14,508,155$36,014,789
56$45,751,374$19,400,060$14,931,857$39,260,100
57$50,353,730$20,286,378$15,367,790$42,820,042
58$55,423,501$21,214,102$15,816,302$46,726,043
59$61,008,300$22,185,194$16,277,750$51,012,712
60$67,160,594$23,201,716$16,752,502$55,718,154
61$73,938,200$24,265,826$17,240,936$60,884,332
62$81,404,829$25,379,784$17,743,440$66,557,459
63$89,630,690$26,545,961$18,260,413$72,788,423
64$98,693,149$27,766,842$18,792,266$79,633,274
65$108,677,463$29,045,030$19,339,419$87,153,736
66$119,677,582$30,383,254$19,902,308$95,417,795
67$131,797,036$31,784,375$20,481,376$104,500,329
68$145,149,914$33,251,389$21,077,082$114,483,813
69$159,861,936$34,787,438$21,689,895$125,459,091
70$176,071,647$36,395,816$22,320,300$137,526,225
71$193,931,718$38,079,973$22,968,793$150,795,439
72$213,610,390$39,843,529$23,635,884$165,388,147
73$235,293,062$41,690,274$24,322,099$181,438,096
74$259,184,041$43,624,184$25,027,975$199,092,621
75$285,508,468$45,649,425$25,754,068$218,514,027
76$314,514,449$47,770,363$26,500,946$239,881,116
77$346,475,389$49,991,578$27,269,194$263,390,864
78$381,692,580$52,317,866$28,059,414$289,260,276
79$420,498,040$54,754,259$28,872,221$317,728,419
80$463,257,651$57,306,029$29,708,252$349,058,677
81$510,374,610$59,978,703$30,568,157$383,541,223
82$562,293,237$62,778,075$31,452,606$421,495,751
83$619,503,166$65,710,219$32,362,287$463,274,482
84$682,543,972$68,781,504$33,297,907$509,265,478
85$752,010,263$71,998,603$34,260,192$559,896,292
86$828,557,289$75,368,514$35,249,889$615,637,999
87$912,907,135$78,898,573$36,267,762$677,009,622
88$1,005,855,530$82,596,471$37,314,600$744,583,025
89$1,108,279,366$86,470,270$38,391,210$818,988,293
90$1,221,144,970$90,528,421$39,498,424$900,919,670
91$1,345,517,230$94,779,787$40,637,095$991,142,095
92$1,482,569,648$99,233,658$41,808,098$1,090,498,410
93$1,633,595,417$103,899,772$43,012,335$1,199,917,298
94$1,800,019,630$108,788,341$44,250,728$1,320,422,033
95$1,983,412,734$113,910,071$45,524,229$1,453,140,127
96$2,185,505,354$119,276,186$46,833,811$1,599,313,947
97$2,408,204,633$124,898,452$48,180,477$1,760,312,432
98$2,653,612,237$130,789,208$49,565,255$1,937,643,990
99$2,924,044,196$136,961,389$50,989,201$2,132,970,719
100$3,222,052,764$143,428,558$52,453,400$2,348,124,079