Can I retire at age 44 with 1,570,000?

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 $1,570,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$129,649$128,494$127,368$126,268$125,194$121,674
2 years$64,183$62,987$61,829$60,706$59,616$56,097
3 years$42,363$41,163$40,007$38,895$37,823$34,414
4 years$31,456$30,259$29,115$28,021$26,976$23,704
5 years$24,913$23,724$22,595$21,523$20,506$17,381
6 years$20,553$19,372$18,260$17,212$16,226$13,249
7 years$17,439$16,269$15,174$14,151$13,196$10,368
8 years$15,105$13,945$12,869$11,871$10,947$8,266
9 years$13,291$12,142$11,084$10,111$9,219$6,683
10 years$11,840$10,702$9,663$8,716$7,855$5,460
11 years$10,654$9,528$8,507$7,586$6,756$4,498
12 years$9,667$8,552$7,550$6,654$5,854$3,730
13 years$8,831$7,728$6,745$5,874$5,105$3,109
14 years$8,116$7,025$6,061$5,214$4,475$2,603
15 years$7,497$6,417$5,472$4,650$3,940$2,187
16 years$6,956$5,888$4,961$4,164$3,482$1,842
17 years$6,479$5,422$4,515$3,741$3,088$1,556
18 years$6,055$5,010$4,121$3,372$2,746$1,316
19 years$5,676$4,644$3,773$3,047$2,447$1,116
20 years$5,336$4,315$3,462$2,759$2,186$947
21 years$5,028$4,019$3,185$2,504$1,956$805
22 years$4,749$3,752$2,935$2,277$1,753$685
23 years$4,495$3,509$2,710$2,074$1,574$583
24 years$4,262$3,288$2,506$1,891$1,415$496
25 years$4,048$3,085$2,321$1,727$1,273$423
26 years$3,850$2,900$2,153$1,579$1,147$361
27 years$3,668$2,729$1,999$1,446$1,034$308
28 years$3,499$2,572$1,859$1,324$933$263
29 years$3,342$2,426$1,730$1,215$842$224
30 years$3,196$2,291$1,611$1,115$761$192
31 years$3,059$2,166$1,502$1,024$688$164
32 years$2,931$2,049$1,401$941$622$140
33 years$2,812$1,941$1,308$865$563$120
34 years$2,699$1,839$1,223$796$510$102
35 years$2,593$1,745$1,143$733$462$87
36 years$2,494$1,656$1,069$675$419$75
37 years$2,399$1,573$1,001$622$379$64
38 years$2,310$1,495$937$573$344$55
39 years$2,226$1,421$878$528$312$47
40 years$2,146$1,352$823$487$283$40
41 years$2,071$1,287$772$450$257$34
42 years$1,999$1,226$724$415$233$29
43 years$1,930$1,168$679$383$211$25
44 years$1,865$1,113$638$354$192$21
45 years$1,803$1,062$599$327$174$18
46 years$1,744$1,013$562$302$158$16
47 years$1,688$967$528$279$144$13
48 years$1,634$923$496$258$130$11
49 years$1,582$881$467$238$118$10
50 years$1,533$842$439$220$108$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,570,000, adding $3,776 every year, while hoping to spend $26,567 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: 55/25/20 Blend
43$1,570,000$1,570,000$1,570,000$1,570,000
44$1,734,035$1,650,825$1,626,490$1,819,831
45$1,882,639$1,703,448$1,652,710$1,931,534
46$2,045,511$1,757,760$1,678,919$2,049,978
47$2,224,077$1,813,814$1,705,086$2,178,385
48$2,419,910$1,871,668$1,731,183$2,317,716
49$2,634,740$1,931,379$1,757,177$2,469,030
50$2,870,475$1,993,008$1,783,034$2,633,492
51$3,129,215$2,056,617$1,808,718$2,812,382
52$3,413,274$2,122,270$1,834,189$3,007,113
53$3,725,201$2,190,034$1,859,407$3,219,239
54$4,067,803$2,259,977$1,884,329$3,450,470
55$4,444,173$2,332,171$1,908,908$3,702,689
56$4,857,719$2,406,687$1,933,097$3,977,973
57$5,312,195$2,483,603$1,956,844$4,278,604
58$5,811,735$2,562,996$1,980,094$4,607,098
59$6,360,895$2,644,946$2,002,791$4,966,227
60$6,964,695$2,729,537$2,024,873$5,359,042
61$7,628,665$2,816,856$2,046,277$5,788,904
62$8,358,898$2,906,990$2,066,936$6,259,516
63$9,162,105$3,000,032$2,086,778$6,774,955
64$10,045,684$3,096,078$2,105,729$7,339,714
65$11,017,782$3,195,225$2,123,710$7,958,741
66$12,087,379$3,297,574$2,140,637$8,637,488
67$13,264,367$3,403,230$2,156,424$9,381,960
68$14,559,646$3,512,302$2,170,978$10,198,773
69$15,985,227$3,624,901$2,184,202$11,095,216
70$17,554,342$3,741,143$2,195,995$12,079,320
71$19,281,573$3,861,148$2,206,250$13,159,931
72$21,182,988$3,985,039$2,214,853$14,346,797
73$23,276,290$4,112,943$2,221,688$15,650,658
74$25,580,987$4,244,993$2,226,630$17,083,345
75$28,118,575$4,381,324$2,229,549$18,657,897
76$30,912,738$4,522,078$2,230,308$20,388,679
77$33,989,578$4,667,400$2,228,763$22,291,517
78$37,377,853$4,817,440$2,224,765$24,383,852
79$41,109,253$4,972,355$2,218,154$26,684,901
80$45,218,701$5,132,304$2,208,766$29,215,835
81$49,744,677$5,297,455$2,196,428$31,999,987
82$54,729,582$5,467,978$2,180,956$35,063,064
83$60,220,142$5,644,052$2,162,162$38,433,394
84$66,267,847$5,825,860$2,139,844$42,142,190
85$72,929,432$6,013,592$2,113,793$46,223,849
86$80,267,420$6,207,445$2,083,792$50,716,272
87$88,350,708$6,407,620$2,049,609$55,661,221
88$97,255,215$6,614,329$2,011,006$61,104,719
89$107,064,603$6,827,787$1,967,731$67,097,477
90$117,871,063$7,048,219$1,919,521$73,695,377
91$129,776,188$7,275,858$1,866,101$80,959,999
92$142,891,926$7,510,943$1,807,183$88,959,199
93$157,341,645$7,753,721$1,742,466$97,767,753
94$173,261,290$8,004,450$1,671,635$107,468,059
95$190,800,668$8,263,395$1,594,362$118,150,917
96$210,124,865$8,530,830$1,510,302$129,916,388
97$231,415,800$8,807,039$1,419,095$142,874,732
98$254,873,943$9,092,316$1,320,366$157,147,454
99$280,720,210$9,386,964$1,213,723$172,868,450
100$309,198,043$9,691,297$1,098,754$190,185,269