Retire at 40 Calculator

What does it take to retire by age 40? Extremely aggressive saving and investing.

Retiring at 40 means achieving financial independence in roughly 15 years of working. This requires an extremely high savings rate (typically 60-70% of income) and disciplined investing. The math is simple: save aggressively, invest in low-cost index funds, and let compound growth do the heavy lifting. With a $100,000 salary and $35,000 in annual expenses, you need roughly $875,000 to retire at a 4% withdrawal rate.