Can I retire at age 44 with 1,730,000?

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 $1,730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$142,862$141,589$140,348$139,136$137,953$134,837
2 years$70,724$69,406$68,130$66,892$65,692$62,569
3 years$46,681$45,358$44,085$42,859$41,678$38,646
4 years$34,662$33,343$32,082$30,877$29,725$26,807
5 years$27,452$26,141$24,897$23,717$22,596$19,801
6 years$22,647$21,346$20,121$18,966$17,880$15,210
7 years$19,217$17,927$16,720$15,593$14,541$11,997
8 years$16,645$15,366$14,180$13,081$12,063$9,644
9 years$14,646$13,379$12,213$11,142$10,159$7,863
10 years$13,047$11,793$10,648$9,604$8,656$6,481
11 years$11,740$10,499$9,374$8,359$7,444$5,387
12 years$10,652$9,423$8,319$7,332$6,451$4,508
13 years$9,732$8,516$7,433$6,473$5,626$3,793
14 years$8,943$7,741$6,678$5,746$4,931$3,206
15 years$8,261$7,071$6,030$5,124$4,342$2,720
16 years$7,665$6,488$5,467$4,588$3,837$2,314
17 years$7,139$5,975$4,975$4,123$3,402$1,974
18 years$6,672$5,521$4,541$3,715$3,025$1,688
19 years$6,255$5,117$4,157$3,357$2,697$1,446
20 years$5,880$4,755$3,815$3,040$2,409$1,240
21 years$5,541$4,429$3,509$2,759$2,155$1,065
22 years$5,233$4,134$3,234$2,509$1,932$916
23 years$4,953$3,867$2,986$2,285$1,734$789
24 years$4,696$3,623$2,762$2,084$1,559$679
25 years$4,460$3,400$2,558$1,903$1,403$586
26 years$4,243$3,195$2,372$1,740$1,264$505
27 years$4,042$3,007$2,203$1,593$1,139$436
28 years$3,856$2,834$2,048$1,459$1,028$376
29 years$3,683$2,673$1,906$1,338$928$325
30 years$3,522$2,525$1,775$1,228$839$281
31 years$3,371$2,387$1,655$1,128$758$243
32 years$3,230$2,258$1,544$1,037$686$210
33 years$3,098$2,139$1,442$953$621$181
34 years$2,974$2,027$1,347$877$562$157
35 years$2,858$1,922$1,259$807$509$136
36 years$2,748$1,825$1,178$744$461$117
37 years$2,644$1,733$1,103$685$418$102
38 years$2,546$1,647$1,033$632$379$88
39 years$2,453$1,566$968$582$344$76
40 years$2,365$1,490$907$537$312$66
41 years$2,282$1,418$850$496$283$57
42 years$2,203$1,351$798$457$257$49
43 years$2,127$1,287$748$422$233$43
44 years$2,055$1,227$703$390$211$37
45 years$1,987$1,170$660$360$192$32
46 years$1,922$1,116$620$333$174$28
47 years$1,860$1,065$582$307$158$24
48 years$1,800$1,017$547$284$144$21
49 years$1,743$971$514$262$130$18
50 years$1,689$927$483$242$119$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,730,000, adding $4,087 every year, while hoping to spend $42,963 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: 39/44/17 Blend
43$1,730,000$1,730,000$1,730,000$1,730,000
44$1,910,676$1,818,986$1,792,171$1,975,334
45$2,059,852$1,862,404$1,806,496$2,065,351
46$2,222,805$1,906,509$1,819,862$2,158,187
47$2,400,894$1,951,291$1,832,189$2,257,661
48$2,595,615$1,996,734$1,843,398$2,364,395
49$2,808,618$2,042,824$1,853,402$2,479,076
50$3,041,717$2,089,543$1,862,111$2,602,460
51$3,296,911$2,136,869$1,869,430$2,735,380
52$3,576,399$2,184,779$1,875,260$2,878,753
53$3,882,607$2,233,248$1,879,496$3,033,590
54$4,218,202$2,282,247$1,882,029$3,201,007
55$4,586,125$2,331,743$1,882,743$3,382,231
56$4,989,612$2,381,701$1,881,517$3,578,617
57$5,432,230$2,432,081$1,878,225$3,791,656
58$5,917,905$2,482,841$1,872,733$4,022,993
59$6,450,964$2,533,933$1,864,903$4,274,442
60$7,036,173$2,585,306$1,854,587$4,548,001
61$7,678,779$2,636,903$1,841,633$4,845,874
62$8,384,567$2,688,664$1,825,879$5,170,488
63$9,159,905$2,740,520$1,807,159$5,524,523
64$10,011,812$2,792,402$1,785,295$5,910,929
65$10,948,017$2,844,230$1,760,102$6,332,960
66$11,977,037$2,895,920$1,731,388$6,794,205
67$13,108,256$2,947,381$1,698,951$7,298,619
68$14,352,010$2,998,515$1,662,578$7,850,561
69$15,719,688$3,049,215$1,622,048$8,454,840
70$17,223,839$3,099,369$1,577,129$9,116,754
71$18,878,286$3,148,854$1,527,578$9,842,146
72$20,698,262$3,197,539$1,473,143$10,637,458
73$22,700,549$3,245,282$1,413,557$11,509,792
74$24,903,637$3,291,933$1,348,544$12,466,975
75$27,327,901$3,337,331$1,277,813$13,517,639
76$29,995,789$3,381,302$1,201,061$14,671,299
77$32,932,035$3,423,662$1,117,973$15,938,445
78$36,163,894$3,464,212$1,028,216$17,330,640
79$39,721,395$3,502,742$931,445$18,860,633
80$43,637,628$3,539,027$827,299$20,542,479
81$47,949,053$3,572,827$715,400$22,391,669
82$52,695,846$3,603,885$595,356$24,425,284
83$57,922,275$3,631,928$466,753$26,662,152
84$63,677,121$3,656,666$329,163$29,123,028
85$70,014,134$3,677,790$182,137$31,830,791
86$76,992,544$3,694,970$25,207$34,810,664
87$84,677,617$3,707,857$0$38,090,449
88$93,141,270$3,716,077$0$41,726,599
89$102,462,751$3,719,237$0$45,733,650
90$112,729,387$3,716,915$0$50,144,360
91$124,037,406$3,708,665$0$54,999,881
92$136,492,846$3,694,014$0$60,345,566
93$150,212,555$3,672,460$0$66,231,402
94$165,325,293$3,643,469$0$72,712,480
95$181,972,950$3,606,475$0$79,849,520
96$200,311,878$3,560,880$0$87,709,442
97$220,514,374$3,506,048$0$96,366,002
98$242,770,302$3,441,305$0$105,900,487
99$267,288,883$3,365,939$0$116,402,487
100$294,300,674$3,279,195$0$127,970,742