Summary

Starting with $10,000.00 and investing $500.00 monthly,you'll have a net worth of $NaN after 40 years.

Your annual withdrawal at a 4% rate would be $NaN, to cover for your annual expenses of $40000 + taxes. which is not enough to cover your annual expenses of $40,000.00

Expected annual inflation rate is typically around 2-3% in the US (CPI). Alternative sources estimate higher rates, potentially up to 5-7%.