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

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 $1,570,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$129,649$128,494$127,368$126,268$125,194$121,527
2 years$64,183$62,987$61,829$60,706$59,616$55,952
3 years$42,363$41,163$40,007$38,895$37,823$34,276
4 years$31,456$30,259$29,115$28,021$26,976$23,573
5 years$24,913$23,724$22,595$21,523$20,506$17,257
6 years$20,553$19,372$18,260$17,212$16,226$13,133
7 years$17,439$16,269$15,174$14,151$13,196$10,260
8 years$15,105$13,945$12,869$11,871$10,947$8,166
9 years$13,291$12,142$11,084$10,111$9,219$6,590
10 years$11,840$10,702$9,663$8,716$7,855$5,374
11 years$10,654$9,528$8,507$7,586$6,756$4,419
12 years$9,667$8,552$7,550$6,654$5,854$3,657
13 years$8,831$7,728$6,745$5,874$5,105$3,042
14 years$8,116$7,025$6,061$5,214$4,475$2,541
15 years$7,497$6,417$5,472$4,650$3,940$2,130
16 years$6,956$5,888$4,961$4,164$3,482$1,791
17 years$6,479$5,422$4,515$3,741$3,088$1,509
18 years$6,055$5,010$4,121$3,372$2,746$1,274
19 years$5,676$4,644$3,773$3,047$2,447$1,077
20 years$5,336$4,315$3,462$2,759$2,186$912
21 years$5,028$4,019$3,185$2,504$1,956$774
22 years$4,749$3,752$2,935$2,277$1,753$656
23 years$4,495$3,509$2,710$2,074$1,574$558
24 years$4,262$3,288$2,506$1,891$1,415$474
25 years$4,048$3,085$2,321$1,727$1,273$403
26 years$3,850$2,900$2,153$1,579$1,147$343
27 years$3,668$2,729$1,999$1,446$1,034$292
28 years$3,499$2,572$1,859$1,324$933$249
29 years$3,342$2,426$1,730$1,215$842$212
30 years$3,196$2,291$1,611$1,115$761$180
31 years$3,059$2,166$1,502$1,024$688$154
32 years$2,931$2,049$1,401$941$622$131
33 years$2,812$1,941$1,308$865$563$112
34 years$2,699$1,839$1,223$796$510$95
35 years$2,593$1,745$1,143$733$462$81
36 years$2,494$1,656$1,069$675$419$69
37 years$2,399$1,573$1,001$622$379$59
38 years$2,310$1,495$937$573$344$50
39 years$2,226$1,421$878$528$312$43
40 years$2,146$1,352$823$487$283$37
41 years$2,071$1,287$772$450$257$31
42 years$1,999$1,226$724$415$233$27
43 years$1,930$1,168$679$383$211$23
44 years$1,865$1,113$638$354$192$19
45 years$1,803$1,062$599$327$174$17
46 years$1,744$1,013$562$302$158$14
47 years$1,688$967$528$279$144$12
48 years$1,634$923$496$258$130$10
49 years$1,582$881$467$238$118$9
50 years$1,533$842$439$220$108$7

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 $4,594 every year, while hoping to spend $34,431 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: 44/47/9 Blend
43$1,570,000$1,570,000$1,570,000$1,570,000
44$1,734,879$1,651,669$1,627,334$1,806,561
45$1,875,202$1,695,966$1,645,215$1,901,038
46$2,028,684$1,741,280$1,662,541$1,999,493
47$2,196,632$1,787,624$1,679,258$2,105,416
48$2,380,481$1,835,011$1,695,307$2,219,504
49$2,581,818$1,883,454$1,710,626$2,342,526
50$2,802,384$1,932,964$1,725,153$2,475,328
51$3,044,100$1,983,552$1,738,819$2,618,840
52$3,309,081$2,035,229$1,751,552$2,774,085
53$3,599,657$2,088,005$1,763,279$2,942,192
54$3,918,392$2,141,888$1,773,919$3,124,401
55$4,268,113$2,196,885$1,783,390$3,322,078
56$4,651,932$2,253,003$1,791,605$3,536,728
57$5,073,277$2,310,249$1,798,472$3,770,007
58$5,535,925$2,368,625$1,803,894$4,023,740
59$6,044,036$2,428,134$1,807,771$4,299,936
60$6,602,193$2,488,778$1,809,997$4,600,808
61$7,215,444$2,550,556$1,810,460$4,928,793
62$7,889,352$2,613,466$1,809,043$5,286,576
63$8,630,043$2,677,503$1,805,623$5,677,115
64$9,444,268$2,742,661$1,800,072$6,103,668
65$10,339,464$2,808,932$1,792,254$6,569,825
66$11,323,824$2,876,304$1,782,030$7,079,539
67$12,406,375$2,944,764$1,769,249$7,637,167
68$13,597,063$3,014,295$1,753,757$8,247,510
69$14,906,847$3,084,879$1,735,391$8,915,857
70$16,347,799$3,156,492$1,713,980$9,648,034
71$17,933,223$3,229,108$1,689,347$10,450,462
72$19,677,775$3,302,698$1,661,303$11,330,218
73$21,597,606$3,377,228$1,629,654$12,295,096
74$23,710,509$3,452,659$1,594,195$13,353,687
75$26,036,092$3,528,950$1,554,712$14,515,458
76$28,595,958$3,606,054$1,510,979$15,790,840
77$31,413,912$3,683,917$1,462,764$17,191,328
78$34,516,185$3,762,482$1,409,820$18,729,589
79$37,931,678$3,841,686$1,351,891$20,419,583
80$41,692,239$3,921,458$1,288,709$22,276,692
81$45,832,960$4,001,723$1,219,993$24,317,868
82$50,392,510$4,082,395$1,145,451$26,561,793
83$55,413,499$4,163,386$1,064,777$29,029,055
84$60,942,879$4,244,594$977,650$31,742,341
85$67,032,387$4,325,914$883,736$34,726,654
86$73,739,035$4,407,229$782,686$38,009,548
87$81,125,646$4,488,412$674,135$41,621,388
88$89,261,446$4,569,328$557,702$45,595,640
89$98,222,718$4,649,830$432,990$49,969,182
90$108,093,523$4,729,760$299,583$54,782,658
91$118,966,491$4,808,947$157,048$60,080,856
92$130,943,696$4,887,208$4,932$65,913,140
93$144,137,619$4,964,347$0$72,333,909
94$158,672,207$5,040,151$0$79,418,227
95$174,684,050$5,114,396$0$87,218,537
96$192,323,659$5,186,838$0$95,807,227
97$211,756,897$5,257,217$0$105,264,590
98$233,166,536$5,325,256$0$115,679,113
99$256,753,986$5,390,658$0$127,148,310
100$282,741,198$5,453,105$0$139,779,641