Can I retire at age 44 with 1,310,000?

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 $1,310,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$108,179$107,215$106,275$105,357$104,461$102,773
2 years$53,554$52,556$51,590$50,653$49,743$48,047
3 years$35,348$34,346$33,382$32,454$31,559$29,908
4 years$26,247$25,248$24,294$23,381$22,508$20,914
5 years$20,787$19,795$18,853$17,959$17,110$15,579
6 years$17,149$16,164$15,236$14,362$13,539$12,071
7 years$14,551$13,574$12,661$11,808$11,011$9,607
8 years$12,604$11,636$10,738$9,905$9,135$7,795
9 years$11,090$10,131$9,248$8,437$7,693$6,416
10 years$9,880$8,930$8,063$7,273$6,554$5,341
11 years$8,890$7,950$7,098$6,329$5,637$4,484
12 years$8,066$7,135$6,300$5,552$4,885$3,792
13 years$7,369$6,448$5,628$4,901$4,260$3,225
14 years$6,772$5,861$5,057$4,351$3,734$2,755
15 years$6,255$5,354$4,566$3,880$3,288$2,363
16 years$5,804$4,913$4,140$3,474$2,906$2,034
17 years$5,406$4,524$3,767$3,122$2,576$1,755
18 years$5,052$4,181$3,439$2,813$2,291$1,518
19 years$4,736$3,875$3,148$2,542$2,042$1,316
20 years$4,452$3,600$2,889$2,302$1,824$1,142
21 years$4,196$3,354$2,657$2,089$1,632$993
22 years$3,963$3,131$2,449$1,900$1,463$865
23 years$3,750$2,928$2,261$1,730$1,313$754
24 years$3,556$2,743$2,091$1,578$1,180$657
25 years$3,377$2,574$1,937$1,441$1,062$574
26 years$3,213$2,420$1,797$1,318$957$501
27 years$3,061$2,277$1,668$1,206$863$438
28 years$2,920$2,146$1,551$1,105$778$383
29 years$2,789$2,024$1,443$1,013$703$336
30 years$2,667$1,912$1,344$930$635$294
31 years$2,553$1,807$1,253$854$574$257
32 years$2,446$1,710$1,169$785$519$225
33 years$2,346$1,619$1,092$722$470$198
34 years$2,252$1,535$1,020$664$426$173
35 years$2,164$1,456$954$611$385$152
36 years$2,081$1,382$892$563$349$133
37 years$2,002$1,312$835$519$317$117
38 years$1,928$1,247$782$478$287$102
39 years$1,858$1,186$733$441$260$90
40 years$1,791$1,128$687$407$236$79
41 years$1,728$1,074$644$375$214$69
42 years$1,668$1,023$604$346$194$61
43 years$1,611$975$567$320$176$53
44 years$1,556$929$532$295$160$47
45 years$1,505$886$500$273$145$41
46 years$1,455$845$469$252$132$36
47 years$1,408$806$441$233$120$32
48 years$1,363$770$414$215$109$28
49 years$1,320$735$389$199$99$24
50 years$1,279$702$366$184$90$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,310,000, adding $4,662 every year, while hoping to spend $32,650 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: 68/20/12 Blend
43$1,310,000$1,310,000$1,310,000$1,310,000
44$1,448,429$1,378,999$1,358,694$1,542,814
45$1,561,429$1,411,830$1,369,471$1,639,006
46$1,684,861$1,445,177$1,379,514$1,739,834
47$1,819,755$1,479,028$1,388,766$1,849,261
48$1,967,243$1,513,373$1,397,163$1,968,127
49$2,128,574$1,548,201$1,404,640$2,097,356
50$2,305,122$1,583,496$1,411,129$2,237,966
51$2,498,400$1,619,243$1,416,557$2,391,081
52$2,710,075$1,655,424$1,420,849$2,557,934
53$2,941,980$1,692,017$1,423,926$2,739,886
54$3,196,138$1,729,002$1,425,703$2,938,438
55$3,474,773$1,766,352$1,426,093$3,155,241
56$3,780,336$1,804,040$1,425,003$3,392,114
57$4,115,528$1,842,035$1,422,339$3,651,062
58$4,483,321$1,880,304$1,417,997$3,934,294
59$4,886,992$1,918,811$1,411,872$4,244,244
60$5,330,148$1,957,516$1,403,852$4,583,594
61$5,816,764$1,996,375$1,393,822$4,955,298
62$6,351,217$2,035,340$1,381,657$5,362,611
63$6,938,330$2,074,360$1,367,232$5,809,122
64$7,583,416$2,113,381$1,350,411$6,298,783
65$8,292,328$2,152,340$1,331,053$6,835,950
66$9,071,515$2,191,174$1,309,013$7,425,425
67$9,928,080$2,229,812$1,284,135$8,072,496
68$10,869,849$2,268,178$1,256,259$8,782,992
69$11,905,446$2,306,191$1,225,216$9,563,338
70$13,044,370$2,343,763$1,190,829$10,420,611
71$14,297,088$2,380,799$1,152,914$11,362,614
72$15,675,132$2,417,200$1,111,278$12,397,942
73$17,191,209$2,452,856$1,065,719$13,536,070
74$18,859,318$2,487,652$1,016,027$14,787,439
75$20,694,884$2,521,462$961,979$16,163,553
76$22,714,903$2,554,155$903,346$17,677,092
77$24,938,103$2,585,588$839,887$19,342,031
78$27,385,116$2,615,608$771,350$21,173,769
79$30,078,679$2,644,055$697,472$23,189,277
80$33,043,845$2,670,754$617,978$25,407,257
81$36,308,217$2,695,521$532,581$27,848,322
82$39,902,214$2,718,160$440,980$30,535,187
83$43,859,350$2,738,460$342,864$33,492,884
84$48,216,559$2,756,199$237,905$36,749,002
85$53,014,535$2,771,140$125,761$40,333,945
86$58,298,120$2,783,029$6,077$44,281,218
87$64,116,729$2,791,598$0$48,627,749
88$70,524,810$2,796,561$0$53,429,806
89$77,582,363$2,797,615$0$58,718,506
90$85,355,503$2,794,437$0$64,542,544
91$93,917,085$2,786,685$0$70,956,445
92$103,347,391$2,773,996$0$78,020,290
93$113,734,887$2,755,984$0$85,800,294
94$125,177,059$2,732,240$0$94,369,420
95$137,781,330$2,702,332$0$103,808,078
96$151,666,078$2,665,798$0$114,204,877
97$166,961,749$2,622,153$0$125,657,467
98$183,812,088$2,570,879$0$138,273,455
99$202,375,499$2,511,431$0$152,171,430
100$222,826,538$2,443,228$0$167,482,073