Can I retire at age 44 with 1,450,000?

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 $1,450,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$119,740$118,673$117,632$116,617$115,625$114,228
2 years$59,277$58,173$57,103$56,066$55,060$53,653
3 years$39,125$38,017$36,950$35,922$34,932$33,560
4 years$29,052$27,946$26,890$25,880$24,914$23,588
5 years$23,009$21,910$20,868$19,878$18,939$17,662
6 years$18,982$17,891$16,864$15,897$14,986$13,760
7 years$16,106$15,025$14,014$13,070$12,188$11,012
8 years$13,951$12,879$11,885$10,964$10,111$8,987
9 years$12,275$11,214$10,237$9,339$8,515$7,441
10 years$10,935$9,884$8,925$8,050$7,255$6,232
11 years$9,840$8,799$7,857$7,006$6,239$5,265
12 years$8,928$7,898$6,973$6,145$5,407$4,481
13 years$8,156$7,137$6,230$5,425$4,715$3,835
14 years$7,496$6,488$5,598$4,816$4,133$3,299
15 years$6,924$5,927$5,054$4,295$3,639$2,849
16 years$6,424$5,438$4,582$3,846$3,216$2,469
17 years$5,983$5,008$4,169$3,455$2,852$2,146
18 years$5,592$4,627$3,806$3,114$2,536$1,870
19 years$5,242$4,289$3,484$2,814$2,260$1,632
20 years$4,928$3,985$3,198$2,548$2,019$1,428
21 years$4,644$3,712$2,941$2,313$1,807$1,251
22 years$4,386$3,465$2,711$2,103$1,619$1,097
23 years$4,151$3,241$2,503$1,915$1,454$964
24 years$3,936$3,036$2,315$1,747$1,307$847
25 years$3,738$2,850$2,144$1,595$1,176$745
26 years$3,556$2,678$1,989$1,459$1,059$657
27 years$3,388$2,520$1,846$1,335$955$579
28 years$3,232$2,375$1,717$1,223$862$510
29 years$3,087$2,241$1,597$1,122$778$450
30 years$2,952$2,116$1,488$1,029$703$397
31 years$2,825$2,000$1,387$945$635$351
32 years$2,707$1,893$1,294$869$575$310
33 years$2,597$1,792$1,208$799$520$274
34 years$2,493$1,699$1,129$735$471$242
35 years$2,395$1,611$1,056$677$427$214
36 years$2,303$1,529$988$623$387$189
37 years$2,216$1,453$924$574$350$167
38 years$2,134$1,380$866$529$318$148
39 years$2,056$1,313$811$488$288$131
40 years$1,982$1,249$760$450$261$116
41 years$1,912$1,189$713$415$237$103
42 years$1,846$1,132$669$383$215$91
43 years$1,783$1,079$627$354$195$80
44 years$1,723$1,028$589$327$177$71
45 years$1,666$981$553$302$161$63
46 years$1,611$935$519$279$146$56
47 years$1,559$893$488$257$133$49
48 years$1,509$852$458$238$120$44
49 years$1,461$814$431$220$109$39
50 years$1,416$777$405$203$99$34

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,450,000, adding $3,489 every year, while hoping to spend $22,909 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: 64/23/13 Blend
43$1,450,000$1,450,000$1,450,000$1,450,000
44$1,601,499$1,524,649$1,502,174$1,698,891
45$1,740,477$1,574,982$1,528,122$1,814,802
46$1,892,863$1,627,013$1,554,171$1,938,392
47$2,060,000$1,680,802$1,580,301$2,072,823
48$2,243,368$1,736,409$1,606,489$2,219,150
49$2,444,597$1,793,899$1,632,712$2,378,535
50$2,665,482$1,853,336$1,658,944$2,552,256
51$2,908,001$1,914,790$1,685,159$2,741,721
52$3,174,332$1,978,329$1,711,326$2,948,480
53$3,466,875$2,044,028$1,737,417$3,174,238
54$3,788,273$2,111,962$1,763,397$3,420,875
55$4,141,439$2,182,210$1,789,233$3,690,457
56$4,529,581$2,254,854$1,814,887$3,985,264
57$4,956,233$2,329,976$1,840,321$4,307,803
58$5,425,289$2,407,666$1,865,492$4,660,835
59$5,941,041$2,488,013$1,890,358$5,047,403
60$6,508,213$2,571,113$1,914,871$5,470,858
61$7,132,015$2,657,061$1,938,983$5,934,888
62$7,818,183$2,745,960$1,962,642$6,443,558
63$8,573,039$2,837,913$1,985,792$7,001,344
64$9,403,549$2,933,031$2,008,376$7,613,178
65$10,317,387$3,031,426$2,030,333$8,284,491
66$11,323,009$3,133,214$2,051,597$9,021,267
67$12,429,732$3,238,517$2,072,101$9,830,097
68$13,647,821$3,347,460$2,091,773$10,718,241
69$14,988,588$3,460,175$2,110,537$11,693,700
70$16,464,497$3,576,797$2,128,313$12,765,286
71$18,089,282$3,697,466$2,145,018$13,942,707
72$19,878,075$3,822,329$2,160,562$15,236,660
73$21,847,551$3,951,535$2,174,853$16,658,930
74$24,016,084$4,085,243$2,187,794$18,222,499
75$26,403,919$4,223,615$2,199,280$19,941,673
76$29,033,368$4,366,821$2,209,204$21,832,212
77$31,929,012$4,515,035$2,217,453$23,911,482
78$35,117,940$4,668,441$2,223,907$26,198,616
79$38,630,002$4,827,227$2,228,440$28,714,695
80$42,498,090$4,991,589$2,230,920$31,482,948
81$46,758,450$5,161,731$2,231,211$34,528,968
82$51,451,021$5,337,866$2,229,166$37,880,956
83$56,619,816$5,520,212$2,224,634$41,569,985
84$62,313,333$5,708,998$2,217,455$45,630,294
85$68,585,015$5,904,461$2,207,462$50,099,611
86$75,493,754$6,106,847$2,194,479$55,019,507
87$83,104,446$6,316,412$2,178,323$60,435,788
88$91,488,604$6,533,420$2,158,801$66,398,930
89$100,725,032$6,758,149$2,135,712$72,964,552
90$110,900,571$6,990,883$2,108,844$80,193,941
91$122,110,914$7,231,922$2,077,975$88,154,631
92$134,461,515$7,481,573$2,042,875$96,921,039
93$148,068,579$7,740,159$2,003,300$106,575,167
94$163,060,160$8,008,014$1,958,997$117,207,378
95$179,577,374$8,285,484$1,909,701$128,917,245
96$197,775,723$8,572,930$1,855,133$141,814,490
97$217,826,570$8,870,726$1,795,003$156,020,024
98$239,918,752$9,179,263$1,729,007$171,667,083
99$264,260,362$9,498,945$1,656,827$188,902,488
100$291,080,719$9,830,194$1,578,131$207,888,028