Can I retire at age 44 with 1,270,000?

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 $1,270,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$104,875$103,941$103,030$102,140$101,272$100,256
2 years$51,919$50,952$50,014$49,106$48,225$47,201
3 years$34,269$33,297$32,363$31,463$30,596$29,597
4 years$25,445$24,477$23,552$22,667$21,821$20,854
5 years$20,153$19,190$18,277$17,410$16,588$15,656
6 years$16,625$15,670$14,771$13,923$13,126$12,230
7 years$14,107$13,160$12,274$11,447$10,675$9,815
8 years$12,219$11,281$10,410$9,603$8,856$8,033
9 years$10,751$9,822$8,966$8,179$7,458$6,671
10 years$9,578$8,657$7,817$7,051$6,354$5,603
11 years$8,618$7,707$6,882$6,136$5,465$4,749
12 years$7,819$6,918$6,107$5,382$4,736$4,054
13 years$7,144$6,251$5,456$4,752$4,130$3,482
14 years$6,565$5,682$4,903$4,218$3,620$3,005
15 years$6,064$5,191$4,426$3,762$3,187$2,604
16 years$5,627$4,763$4,013$3,368$2,817$2,264
17 years$5,241$4,386$3,652$3,026$2,498$1,975
18 years$4,898$4,053$3,334$2,727$2,221$1,727
19 years$4,592$3,756$3,052$2,464$1,980$1,513
20 years$4,316$3,491$2,801$2,232$1,768$1,328
21 years$4,068$3,251$2,576$2,026$1,582$1,168
22 years$3,842$3,035$2,374$1,842$1,418$1,028
23 years$3,636$2,839$2,192$1,677$1,273$907
24 years$3,447$2,660$2,028$1,530$1,144$800
25 years$3,274$2,496$1,878$1,397$1,030$707
26 years$3,115$2,346$1,742$1,277$928$625
27 years$2,967$2,208$1,617$1,169$836$553
28 years$2,831$2,080$1,503$1,071$755$490
29 years$2,704$1,962$1,399$982$681$434
30 years$2,585$1,853$1,303$902$616$384
31 years$2,475$1,752$1,215$828$557$341
32 years$2,371$1,658$1,134$761$503$302
33 years$2,274$1,570$1,058$700$456$268
34 years$2,183$1,488$989$644$413$238
35 years$2,098$1,411$925$593$374$211
36 years$2,017$1,339$865$546$339$188
37 years$1,941$1,272$810$503$307$167
38 years$1,869$1,209$758$464$278$148
39 years$1,801$1,150$710$427$252$132
40 years$1,736$1,094$666$394$229$117
41 years$1,675$1,041$624$364$208$104
42 years$1,617$992$586$336$188$92
43 years$1,562$945$549$310$171$82
44 years$1,509$901$516$286$155$73
45 years$1,459$859$484$264$141$65
46 years$1,411$819$455$244$128$58
47 years$1,365$782$427$226$116$51
48 years$1,322$746$402$208$105$46
49 years$1,280$713$377$193$96$41
50 years$1,240$681$355$178$87$36

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,270,000, adding $4,829 every year, while hoping to spend $35,301 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: 47/24/29 Blend
43$1,270,000$1,270,000$1,270,000$1,270,000
44$1,404,521$1,337,211$1,317,526$1,458,651
45$1,510,222$1,365,174$1,324,103$1,525,362
46$1,625,522$1,393,325$1,329,718$1,593,932
47$1,751,362$1,421,634$1,334,300$1,667,694
48$1,888,778$1,450,072$1,337,776$1,747,157
49$2,038,912$1,478,605$1,340,071$1,832,879
50$2,203,021$1,507,196$1,341,103$1,925,478
51$2,382,487$1,535,807$1,340,788$2,025,635
52$2,578,834$1,564,394$1,339,037$2,134,102
53$2,793,738$1,592,912$1,335,758$2,251,709
54$3,029,046$1,621,312$1,330,853$2,379,369
55$3,286,791$1,649,539$1,324,219$2,518,092
56$3,569,213$1,677,535$1,315,749$2,668,992
57$3,878,778$1,705,239$1,305,332$2,833,296
58$4,218,202$1,732,585$1,292,849$3,012,359
59$4,590,476$1,759,499$1,278,177$3,207,677
60$4,998,896$1,785,906$1,261,188$3,420,897
61$5,447,091$1,811,723$1,241,745$3,653,838
62$5,939,059$1,836,861$1,219,707$3,908,506
63$6,479,202$1,861,227$1,194,927$4,187,114
64$7,072,373$1,884,719$1,167,249$4,492,103
65$7,723,914$1,907,229$1,136,511$4,826,165
66$8,439,712$1,928,642$1,102,543$5,192,269
67$9,226,252$1,948,836$1,065,168$5,593,689
68$10,090,679$1,967,678$1,024,200$6,034,038
69$11,040,863$1,985,028$979,445$6,517,298
70$12,085,475$2,000,739$930,701$7,047,863
71$13,234,068$2,014,650$877,754$7,630,577
72$14,497,168$2,026,593$820,384$8,270,783
73$15,886,371$2,036,387$758,358$8,974,372
74$17,414,453$2,043,842$691,435$9,747,842
75$19,095,490$2,048,754$619,362$10,598,356
76$20,944,994$2,050,907$541,874$11,533,814
77$22,980,053$2,050,071$458,696$12,562,926
78$25,219,496$2,046,002$369,540$13,695,299
79$27,684,069$2,038,441$274,105$14,941,522
80$30,396,633$2,027,113$172,076$16,313,272
81$33,382,375$2,011,727$63,126$17,823,423
82$36,669,050$1,991,974$0$19,486,170
83$40,287,238$1,967,525$0$21,333,607
84$44,270,636$1,938,034$0$23,388,458
85$48,656,375$1,903,132$0$25,650,307
86$53,485,369$1,862,429$0$28,140,247
87$58,802,700$1,815,512$0$30,881,522
88$64,658,047$1,761,943$0$33,899,751
89$71,106,149$1,701,260$0$37,223,170
90$78,207,327$1,632,972$0$40,882,895
91$86,028,048$1,556,561$0$44,913,222
92$94,641,555$1,471,479$0$49,351,947
93$104,128,557$1,377,145$0$54,240,724
94$114,577,990$1,272,946$0$59,625,463
95$126,087,858$1,158,233$0$65,556,759
96$138,766,154$1,032,321$0$72,090,371
97$152,731,882$894,485$0$79,287,754
98$168,116,180$743,961$0$87,216,634
99$185,063,553$579,938$0$95,951,652
100$203,733,244$401,563$0$105,575,070