Can I retire at age 41 with 400,000?

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 $400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$33,032$32,737$32,450$32,170$31,897$31,214
2 years$16,352$16,048$15,753$15,466$15,189$14,505
3 years$10,793$10,487$10,193$9,909$9,636$8,972
4 years$8,014$7,709$7,418$7,139$6,873$6,233
5 years$6,347$6,044$5,757$5,484$5,225$4,611
6 years$5,236$4,936$4,652$4,385$4,134$3,548
7 years$4,443$4,145$3,866$3,605$3,362$2,803
8 years$3,849$3,553$3,279$3,024$2,789$2,257
9 years$3,386$3,093$2,824$2,576$2,349$1,844
10 years$3,017$2,727$2,462$2,221$2,001$1,522
11 years$2,714$2,427$2,167$1,933$1,721$1,268
12 years$2,463$2,179$1,924$1,695$1,492$1,063
13 years$2,250$1,969$1,719$1,497$1,301$896
14 years$2,068$1,790$1,544$1,329$1,140$759
15 years$1,910$1,635$1,394$1,185$1,004$645
16 years$1,772$1,500$1,264$1,061$887$550
17 years$1,651$1,381$1,150$953$787$471
18 years$1,543$1,277$1,050$859$699$403
19 years$1,446$1,183$961$776$623$346
20 years$1,359$1,099$882$703$557$298
21 years$1,281$1,024$811$638$498$256
22 years$1,210$956$748$580$447$221
23 years$1,145$894$690$528$401$190
24 years$1,086$838$639$482$360$164
25 years$1,031$786$591$440$324$142
26 years$981$739$549$402$292$123
27 years$935$695$509$368$263$106
28 years$892$655$474$337$238$92
29 years$852$618$441$309$215$80
30 years$814$584$410$284$194$69
31 years$779$552$383$261$175$60
32 years$747$522$357$240$159$52
33 years$716$494$333$220$144$45
34 years$688$469$311$203$130$39
35 years$661$444$291$187$118$34
36 years$635$422$272$172$107$29
37 years$611$401$255$158$97$25
38 years$589$381$239$146$88$22
39 years$567$362$224$135$79$19
40 years$547$345$210$124$72$17
41 years$528$328$197$115$65$14
42 years$509$312$184$106$59$12
43 years$492$298$173$98$54$11
44 years$475$284$162$90$49$9
45 years$459$270$153$83$44$8
46 years$444$258$143$77$40$7
47 years$430$246$135$71$37$6
48 years$416$235$126$66$33$5
49 years$403$224$119$61$30$5
50 years$391$214$112$56$27$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $400,000, adding $6,684 every year, while hoping to spend $22,004 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: 56/29/15 Blend
40$400,000$400,000$400,000$400,000
41$447,695$426,495$420,295$470,655
42$469,947$423,981$410,962$484,490
43$493,732$420,606$400,580$496,589
44$519,183$416,306$389,089$509,263
45$546,444$411,010$376,429$522,573
46$575,677$404,645$362,535$536,585
47$607,057$397,133$347,340$551,373
48$640,777$388,392$330,776$567,021
49$677,047$378,335$312,768$583,621
50$716,101$366,868$293,241$601,276
51$758,193$353,894$272,114$620,102
52$803,604$339,310$249,305$640,228
53$852,641$323,006$224,726$661,796
54$905,642$304,865$198,286$684,966
55$962,979$284,765$169,891$709,915
56$1,025,061$262,577$139,440$736,841
57$1,092,338$238,163$106,831$765,963
58$1,165,301$211,378$71,956$797,525
59$1,244,496$182,070$34,700$831,799
60$1,330,519$150,076$0$869,086
61$1,424,028$115,226$0$910,529
62$1,525,746$77,338$0$961,670
63$1,636,467$36,223$0$1,017,383
64$1,757,067$0$0$1,078,146
65$1,888,509$0$0$1,147,143
66$2,031,854$0$0$1,235,028
67$2,188,267$0$0$1,330,959
68$2,359,033$0$0$1,435,729
69$2,545,565$0$0$1,550,209
70$2,749,420$0$0$1,675,360
71$2,972,310$0$0$1,812,237
72$3,216,123$0$0$1,962,005
73$3,482,934$0$0$2,125,943
74$3,775,031$0$0$2,305,464
75$4,094,933$0$0$2,502,120
76$4,445,412$0$0$2,717,622
77$4,829,524$0$0$2,953,854
78$5,250,631$0$0$3,212,892
79$5,712,438$0$0$3,497,020
80$6,219,027$0$0$3,808,756
81$6,774,891$0$0$4,150,874
82$7,384,981$0$0$4,526,426
83$8,054,751$0$0$4,938,778
84$8,790,207$0$0$5,391,636
85$9,597,966$0$0$5,889,081
86$10,485,319$0$0$6,435,613
87$11,460,294$0$0$7,036,184
88$12,531,740$0$0$7,696,255
89$13,709,401$0$0$8,421,837
90$15,004,016$0$0$9,219,557
91$16,427,414$0$0$10,096,713
92$17,992,627$0$0$11,061,347
93$19,714,015$0$0$12,122,318
94$21,607,398$0$0$13,289,390
95$23,690,207$0$0$14,573,316
96$25,981,646$0$0$15,985,948
97$28,502,875$0$0$17,540,342
98$31,277,209$0$0$19,250,884
99$34,330,338$0$0$21,133,427
100$37,690,565$0$0$23,205,437