Can I retire at age 44 with 1,410,000?

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 $1,410,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$116,436$115,399$114,387$113,400$112,435$110,482
2 years$57,642$56,568$55,528$54,519$53,541$51,579
3 years$38,046$36,968$35,930$34,931$33,968$32,059
4 years$28,250$27,175$26,148$25,166$24,227$22,385
5 years$22,374$21,306$20,292$19,330$18,417$16,648
6 years$18,458$17,398$16,399$15,458$14,572$12,879
7 years$15,662$14,611$13,628$12,709$11,851$10,233
8 years$13,566$12,524$11,557$10,661$9,832$8,288
9 years$11,937$10,904$9,954$9,081$8,280$6,810
10 years$10,634$9,612$8,678$7,828$7,055$5,658
11 years$9,569$8,557$7,640$6,813$6,067$4,742
12 years$8,681$7,680$6,781$5,976$5,258$4,002
13 years$7,931$6,941$6,058$5,276$4,585$3,396
14 years$7,289$6,309$5,443$4,683$4,019$2,896
15 years$6,733$5,763$4,914$4,176$3,539$2,479
16 years$6,247$5,288$4,456$3,740$3,128$2,129
17 years$5,818$4,870$4,054$3,360$2,773$1,833
18 years$5,438$4,500$3,701$3,028$2,466$1,582
19 years$5,098$4,170$3,388$2,736$2,198$1,368
20 years$4,792$3,875$3,110$2,478$1,963$1,185
21 years$4,516$3,610$2,860$2,249$1,757$1,028
22 years$4,265$3,370$2,636$2,045$1,575$893
23 years$4,037$3,151$2,434$1,862$1,414$777
24 years$3,827$2,953$2,251$1,698$1,270$676
25 years$3,635$2,771$2,085$1,551$1,143$589
26 years$3,458$2,604$1,934$1,418$1,030$513
27 years$3,294$2,451$1,796$1,298$928$448
28 years$3,143$2,309$1,669$1,189$838$390
29 years$3,002$2,179$1,553$1,091$756$341
30 years$2,870$2,058$1,447$1,001$684$298
31 years$2,747$1,945$1,349$919$618$260
32 years$2,633$1,840$1,259$845$559$227
33 years$2,525$1,743$1,175$777$506$199
34 years$2,424$1,652$1,098$715$458$174
35 years$2,329$1,567$1,026$658$415$152
36 years$2,239$1,487$960$606$376$133
37 years$2,155$1,412$899$558$341$116
38 years$2,075$1,342$842$515$309$102
39 years$1,999$1,276$789$475$280$89
40 years$1,928$1,214$739$438$254$78
41 years$1,860$1,156$693$404$230$68
42 years$1,795$1,101$650$373$209$60
43 years$1,734$1,049$610$344$190$52
44 years$1,675$1,000$573$318$172$46
45 years$1,620$953$538$293$156$40
46 years$1,566$910$505$271$142$35
47 years$1,516$868$474$250$129$31
48 years$1,467$829$446$231$117$27
49 years$1,421$791$419$214$106$23
50 years$1,377$756$394$198$97$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,410,000, adding $6,124 every year, while hoping to spend $54,247 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: 86/8/6 Blend
43$1,410,000$1,410,000$1,410,000$1,410,000
44$1,560,137$1,485,407$1,463,552$1,693,392
45$1,661,552$1,500,473$1,454,863$1,796,228
46$1,771,494$1,514,460$1,444,064$1,901,096
47$1,890,775$1,527,257$1,431,028$2,014,582
48$2,020,287$1,538,746$1,415,621$2,137,513
49$2,161,015$1,548,803$1,397,703$2,270,803
50$2,314,038$1,557,294$1,377,126$2,415,456
51$2,480,547$1,564,078$1,353,736$2,572,578
52$2,661,850$1,569,005$1,327,373$2,743,386
53$2,859,386$1,571,914$1,297,868$2,929,221
54$3,074,742$1,572,636$1,265,044$3,131,561
55$3,309,659$1,570,989$1,228,718$3,352,031
56$3,566,060$1,566,782$1,188,695$3,592,424
57$3,846,056$1,559,812$1,144,774$3,854,713
58$4,151,973$1,549,863$1,096,743$4,141,071
59$4,486,373$1,536,705$1,044,383$4,453,892
60$4,852,075$1,520,096$987,462$4,795,815
61$5,252,184$1,499,778$925,739$5,169,744
62$5,690,117$1,475,477$858,962$5,578,882
63$6,169,640$1,446,906$786,868$6,026,756
64$6,694,896$1,413,758$709,181$6,517,250
65$7,270,451$1,375,707$625,614$7,054,646
66$7,901,332$1,332,412$535,867$7,643,663
67$8,593,075$1,283,507$439,626$8,289,496
68$9,351,779$1,228,610$336,564$8,997,875
69$10,184,161$1,167,312$226,339$9,775,108
70$11,097,618$1,099,183$108,594$10,628,149
71$12,100,300$1,023,768$0$11,564,661
72$13,201,184$940,586$0$12,594,179
73$14,410,157$849,127$0$13,732,405
74$15,738,113$748,854$0$14,982,657
75$17,197,051$639,198$0$16,356,261
76$18,800,191$519,559$0$17,865,695
77$20,562,096$389,303$0$19,524,706
78$22,498,810$247,759$0$21,348,446
79$24,628,009$94,220$0$23,353,606
80$26,969,168$0$0$25,558,580
81$29,543,742$0$0$27,989,979
82$32,375,369$0$0$30,673,278
83$35,490,095$0$0$33,624,867
84$38,916,614$0$0$36,871,939
85$42,686,544$0$0$40,444,458
86$46,834,721$0$0$44,375,440
87$51,399,527$0$0$48,701,259
88$56,423,255$0$0$53,461,997
89$61,952,504$0$0$58,701,816
90$68,038,620$0$0$64,469,377
91$74,738,179$0$0$70,818,300
92$82,113,521$0$0$77,807,663
93$90,233,337$0$0$85,502,567
94$99,173,318$0$0$93,974,744
95$109,016,867$0$0$103,303,238
96$119,855,886$0$0$113,575,145
97$131,791,642$0$0$124,886,438
98$144,935,725$0$0$137,342,871
99$159,411,097$0$0$151,060,979
100$175,353,252$0$0$166,169,171