Can I retire at age 44 with 1,330,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $1,330,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$109,830$108,852$107,897$106,966$106,056$105,565
2 years$54,371$53,359$52,377$51,426$50,503$50,007
3 years$35,888$34,871$33,892$32,949$32,041$31,556
4 years$26,647$25,634$24,664$23,738$22,852$22,381
5 years$21,105$20,097$19,141$18,233$17,372$16,917
6 years$17,411$16,411$15,468$14,581$13,746$13,307
7 years$14,773$13,782$12,854$11,988$11,179$10,757
8 years$12,796$11,813$10,902$10,056$9,274$8,869
9 years$11,259$10,286$9,389$8,566$7,810$7,422
10 years$10,030$9,066$8,186$7,384$6,655$6,283
11 years$9,026$8,071$7,207$6,426$5,723$5,367
12 years$8,189$7,244$6,396$5,637$4,960$4,620
13 years$7,481$6,547$5,714$4,976$4,325$4,001
14 years$6,876$5,951$5,134$4,417$3,791$3,482
15 years$6,351$5,436$4,636$3,939$3,338$3,044
16 years$5,892$4,988$4,203$3,527$2,950$2,670
17 years$5,488$4,593$3,824$3,169$2,616$2,350
18 years$5,129$4,244$3,491$2,856$2,326$2,074
19 years$4,809$3,934$3,196$2,581$2,073$1,834
20 years$4,520$3,655$2,933$2,337$1,852$1,625
21 years$4,260$3,405$2,698$2,121$1,657$1,443
22 years$4,023$3,178$2,487$1,929$1,485$1,283
23 years$3,808$2,973$2,296$1,757$1,333$1,142
24 years$3,610$2,785$2,123$1,602$1,198$1,018
25 years$3,429$2,614$1,967$1,463$1,078$909
26 years$3,262$2,457$1,824$1,338$971$812
27 years$3,107$2,312$1,694$1,225$876$726
28 years$2,964$2,178$1,574$1,122$790$649
29 years$2,831$2,055$1,465$1,029$714$581
30 years$2,707$1,941$1,365$944$645$520
31 years$2,592$1,835$1,272$867$583$466
32 years$2,483$1,736$1,187$797$527$418
33 years$2,382$1,644$1,108$733$477$375
34 years$2,287$1,558$1,036$674$432$336
35 years$2,197$1,478$968$621$391$302
36 years$2,112$1,403$906$572$355$271
37 years$2,033$1,332$848$527$321$243
38 years$1,957$1,266$794$486$291$219
39 years$1,886$1,204$744$448$264$196
40 years$1,818$1,146$697$413$240$177
41 years$1,754$1,090$654$381$217$159
42 years$1,693$1,038$613$352$197$143
43 years$1,635$989$575$325$179$128
44 years$1,580$943$540$300$163$115
45 years$1,528$899$507$277$148$104
46 years$1,478$858$476$256$134$93
47 years$1,430$819$448$236$122$84
48 years$1,384$782$421$218$110$75
49 years$1,340$746$395$202$100$68
50 years$1,299$713$372$186$91$61

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,330,000, adding $3,837 every year, while hoping to spend $53,058 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: 65/13/22 Blend
43$1,330,000$1,330,000$1,330,000$1,330,000
44$1,469,618$1,399,128$1,378,513$1,556,602
45$1,563,066$1,411,232$1,368,240$1,627,689
46$1,664,267$1,422,151$1,355,844$1,698,992
47$1,773,956$1,431,770$1,341,199$1,775,691
48$1,892,942$1,439,969$1,324,171$1,858,319
49$2,022,112$1,446,618$1,304,621$1,947,461
50$2,162,445$1,451,579$1,282,403$2,043,768
51$2,315,015$1,454,707$1,257,365$2,147,953
52$2,481,005$1,455,847$1,229,345$2,260,808
53$2,661,717$1,454,832$1,198,177$2,383,204
54$2,858,582$1,451,489$1,163,686$2,516,103
55$3,073,176$1,445,632$1,125,689$2,660,567
56$3,307,235$1,437,062$1,083,994$2,817,768
57$3,562,666$1,425,571$1,038,401$2,989,000
58$3,841,571$1,410,937$988,701$3,175,690
59$4,146,263$1,392,925$934,674$3,379,414
60$4,479,289$1,371,285$876,092$3,601,909
61$4,843,451$1,345,753$812,716$3,845,093
62$5,241,837$1,316,049$744,296$4,111,084
63$5,677,846$1,281,876$670,572$4,402,215
64$6,155,219$1,242,922$591,269$4,721,063
65$6,678,080$1,198,853$506,105$5,070,471
66$7,250,965$1,149,318$414,780$5,453,574
67$7,878,874$1,093,945$316,986$5,873,832
68$8,567,311$1,032,341$212,397$6,335,060
69$9,322,340$964,089$100,676$6,841,468
70$10,150,639$888,749$0$7,397,699
71$11,059,563$805,856$0$8,013,231
72$12,057,214$714,919$0$8,714,860
73$13,152,517$615,417$0$9,485,252
74$14,355,303$506,802$0$10,331,371
75$15,676,402$388,493$0$11,260,897
76$17,127,745$259,879$0$12,282,290
77$18,722,473$120,311$0$13,404,876
78$20,475,066$0$0$14,638,932
79$22,401,475$0$0$16,000,204
80$24,519,273$0$0$17,515,734
81$26,847,821$0$0$19,182,179
82$29,408,450$0$0$21,014,817
83$32,224,661$0$0$23,030,480
84$35,322,347$0$0$25,247,713
85$38,730,036$0$0$27,686,949
86$42,479,160$0$0$30,370,703
87$46,604,354$0$0$33,323,779
88$51,143,775$0$0$36,573,511
89$56,139,468$0$0$40,150,012
90$61,637,762$0$0$44,086,465
91$67,689,703$0$0$48,419,433
92$74,351,535$0$0$53,189,202
93$81,685,234$0$0$58,440,164
94$89,759,091$0$0$64,221,232
95$98,648,354$0$0$70,586,305
96$108,435,937$0$0$77,594,772
97$119,213,205$0$0$85,312,075
98$131,080,833$0$0$93,810,327
99$144,149,758$0$0$103,168,987
100$158,542,222$0$0$113,475,616