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

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 $1,730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$142,862$141,589$140,348$139,136$137,953$132,952
2 years$70,724$69,406$68,130$66,892$65,692$60,709
3 years$46,681$45,358$44,085$42,859$41,678$36,869
4 years$34,662$33,343$32,082$30,877$29,725$25,127
5 years$27,452$26,141$24,897$23,717$22,596$18,221
6 years$22,647$21,346$20,121$18,966$17,880$13,731
7 years$19,217$17,927$16,720$15,593$14,541$10,617
8 years$16,645$15,366$14,180$13,081$12,063$8,361
9 years$14,646$13,379$12,213$11,142$10,159$6,673
10 years$13,047$11,793$10,648$9,604$8,656$5,381
11 years$11,740$10,499$9,374$8,359$7,444$4,373
12 years$10,652$9,423$8,319$7,332$6,451$3,576
13 years$9,732$8,516$7,433$6,473$5,626$2,939
14 years$8,943$7,741$6,678$5,746$4,931$2,424
15 years$8,261$7,071$6,030$5,124$4,342$2,007
16 years$7,665$6,488$5,467$4,588$3,837$1,665
17 years$7,139$5,975$4,975$4,123$3,402$1,385
18 years$6,672$5,521$4,541$3,715$3,025$1,153
19 years$6,255$5,117$4,157$3,357$2,697$962
20 years$5,880$4,755$3,815$3,040$2,409$804
21 years$5,541$4,429$3,509$2,759$2,155$672
22 years$5,233$4,134$3,234$2,509$1,932$562
23 years$4,953$3,867$2,986$2,285$1,734$471
24 years$4,696$3,623$2,762$2,084$1,559$395
25 years$4,460$3,400$2,558$1,903$1,403$331
26 years$4,243$3,195$2,372$1,740$1,264$277
27 years$4,042$3,007$2,203$1,593$1,139$233
28 years$3,856$2,834$2,048$1,459$1,028$195
29 years$3,683$2,673$1,906$1,338$928$164
30 years$3,522$2,525$1,775$1,228$839$138
31 years$3,371$2,387$1,655$1,128$758$115
32 years$3,230$2,258$1,544$1,037$686$97
33 years$3,098$2,139$1,442$953$621$81
34 years$2,974$2,027$1,347$877$562$68
35 years$2,858$1,922$1,259$807$509$57
36 years$2,748$1,825$1,178$744$461$48
37 years$2,644$1,733$1,103$685$418$41
38 years$2,546$1,647$1,033$632$379$34
39 years$2,453$1,566$968$582$344$29
40 years$2,365$1,490$907$537$312$24
41 years$2,282$1,418$850$496$283$20
42 years$2,203$1,351$798$457$257$17
43 years$2,127$1,287$748$422$233$14
44 years$2,055$1,227$703$390$211$12
45 years$1,987$1,170$660$360$192$10
46 years$1,922$1,116$620$333$174$8
47 years$1,860$1,065$582$307$158$7
48 years$1,800$1,017$547$284$144$6
49 years$1,743$971$514$262$130$5
50 years$1,689$927$483$242$119$4

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 $2,107 every year, while hoping to spend $36,422 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: 36/50/14 Blend
43$1,730,000$1,730,000$1,730,000$1,730,000
44$1,908,633$1,816,943$1,790,128$1,969,050
45$2,064,561$1,867,221$1,811,345$2,063,048
46$2,235,173$1,918,741$1,832,052$2,160,832
47$2,421,928$1,971,527$1,852,193$2,265,605
48$2,626,433$2,025,600$1,871,710$2,378,007
49$2,850,458$2,080,984$1,890,541$2,498,744
50$3,095,952$2,137,699$1,908,621$2,628,590
51$3,365,061$2,195,767$1,925,881$2,768,399
52$3,660,148$2,255,211$1,942,249$2,919,110
53$3,983,817$2,316,051$1,957,649$3,081,754
54$4,338,936$2,378,307$1,972,000$3,257,470
55$4,728,664$2,442,000$1,985,218$3,447,509
56$5,156,479$2,507,150$1,997,214$3,653,248
57$5,626,215$2,573,775$2,007,896$3,876,205
58$6,142,092$2,641,893$2,017,164$4,118,050
59$6,708,762$2,711,522$2,024,915$4,380,622
60$7,331,348$2,782,679$2,031,042$4,665,946
61$8,015,494$2,855,379$2,035,430$4,976,254
62$8,767,417$2,929,636$2,037,960$5,314,004
63$9,593,969$3,005,463$2,038,507$5,681,900
64$10,502,696$3,082,872$2,036,939$6,082,925
65$11,501,912$3,161,874$2,033,117$6,520,363
66$12,600,778$3,242,477$2,026,898$6,997,831
67$13,809,388$3,324,689$2,018,129$7,519,316
68$15,138,860$3,408,513$2,006,652$8,089,209
69$16,601,447$3,493,954$1,992,298$8,712,348
70$18,210,649$3,581,012$1,974,894$9,394,063
71$19,981,339$3,669,685$1,954,257$10,140,229
72$21,929,905$3,759,969$1,930,194$10,957,316
73$24,074,404$3,851,857$1,902,504$11,852,457
74$26,434,734$3,945,338$1,870,978$12,833,508
75$29,032,816$4,040,399$1,835,396$13,909,128
76$31,892,807$4,137,023$1,795,526$15,088,858
77$35,041,325$4,235,188$1,751,127$16,383,212
78$38,507,699$4,334,871$1,701,948$17,803,777
79$42,324,245$4,436,041$1,647,725$19,363,319
80$46,526,576$4,538,664$1,588,181$21,075,909
81$51,153,929$4,642,701$1,523,028$22,957,051
82$56,249,544$4,748,108$1,451,964$25,023,833
83$61,861,067$4,854,834$1,374,673$27,295,085
84$68,040,998$4,962,823$1,290,827$29,791,557
85$74,847,190$5,072,012$1,200,080$32,536,118
86$82,343,393$5,182,330$1,102,072$35,553,971
87$90,599,855$5,293,700$996,427$38,872,890
88$99,693,985$5,406,037$882,753$42,523,482
89$109,711,085$5,519,246$760,638$46,539,480
90$120,745,150$5,633,223$629,654$50,958,059
91$132,899,761$5,747,858$489,354$55,820,187
92$146,289,059$5,863,025$339,269$61,171,014
93$161,038,822$5,978,591$178,913$67,060,298
94$177,287,650$6,094,411$7,776$73,542,875
95$195,188,280$6,210,327$0$80,679,180
96$214,909,019$6,326,167$0$88,561,933
97$236,635,336$6,441,746$0$97,241,351
98$260,571,614$6,556,865$0$106,797,249
99$286,943,075$6,671,309$0$117,318,863
100$315,997,910$6,784,844$0$128,904,533