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%18.8%
1 years$142,862$141,589$140,348$139,136$137,953$133,058
2 years$70,724$69,406$68,130$66,892$65,692$60,813
3 years$46,681$45,358$44,085$42,859$41,678$36,967
4 years$34,662$33,343$32,082$30,877$29,725$25,219
5 years$27,452$26,141$24,897$23,717$22,596$18,308
6 years$22,647$21,346$20,121$18,966$17,880$13,811
7 years$19,217$17,927$16,720$15,593$14,541$10,691
8 years$16,645$15,366$14,180$13,081$12,063$8,429
9 years$14,646$13,379$12,213$11,142$10,159$6,736
10 years$13,047$11,793$10,648$9,604$8,656$5,438
11 years$11,740$10,499$9,374$8,359$7,444$4,426
12 years$10,652$9,423$8,319$7,332$6,451$3,624
13 years$9,732$8,516$7,433$6,473$5,626$2,982
14 years$8,943$7,741$6,678$5,746$4,931$2,464
15 years$8,261$7,071$6,030$5,124$4,342$2,042
16 years$7,665$6,488$5,467$4,588$3,837$1,697
17 years$7,139$5,975$4,975$4,123$3,402$1,413
18 years$6,672$5,521$4,541$3,715$3,025$1,179
19 years$6,255$5,117$4,157$3,357$2,697$985
20 years$5,880$4,755$3,815$3,040$2,409$824
21 years$5,541$4,429$3,509$2,759$2,155$690
22 years$5,233$4,134$3,234$2,509$1,932$578
23 years$4,953$3,867$2,986$2,285$1,734$485
24 years$4,696$3,623$2,762$2,084$1,559$407
25 years$4,460$3,400$2,558$1,903$1,403$342
26 years$4,243$3,195$2,372$1,740$1,264$287
27 years$4,042$3,007$2,203$1,593$1,139$241
28 years$3,856$2,834$2,048$1,459$1,028$203
29 years$3,683$2,673$1,906$1,338$928$170
30 years$3,522$2,525$1,775$1,228$839$143
31 years$3,371$2,387$1,655$1,128$758$120
32 years$3,230$2,258$1,544$1,037$686$101
33 years$3,098$2,139$1,442$953$621$85
34 years$2,974$2,027$1,347$877$562$72
35 years$2,858$1,922$1,259$807$509$60
36 years$2,748$1,825$1,178$744$461$51
37 years$2,644$1,733$1,103$685$418$43
38 years$2,546$1,647$1,033$632$379$36
39 years$2,453$1,566$968$582$344$30
40 years$2,365$1,490$907$537$312$25
41 years$2,282$1,418$850$496$283$21
42 years$2,203$1,351$798$457$257$18
43 years$2,127$1,287$748$422$233$15
44 years$2,055$1,227$703$390$211$13
45 years$1,987$1,170$660$360$192$11
46 years$1,922$1,116$620$333$174$9
47 years$1,860$1,065$582$307$158$8
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$5

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 $5,551 every year, while hoping to spend $37,514 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: 51/32/17 Blend
43$1,730,000$1,730,000$1,730,000$1,730,000
44$1,912,186$1,820,496$1,793,681$2,000,511
45$2,067,314$1,869,786$1,813,855$2,111,136
46$2,237,008$1,920,233$1,833,447$2,226,977
47$2,422,714$1,971,856$1,852,398$2,352,101
48$2,626,025$2,024,670$1,870,647$2,487,398
49$2,848,693$2,078,692$1,888,127$2,633,849
50$3,092,649$2,133,938$1,904,770$2,792,531
51$3,360,022$2,190,423$1,920,501$2,964,632
52$3,653,151$2,248,161$1,935,246$3,151,460
53$3,974,618$2,307,167$1,948,922$3,354,455
54$4,327,263$2,367,452$1,961,444$3,575,203
55$4,714,215$2,429,029$1,972,725$3,815,452
56$5,138,923$2,491,908$1,982,668$4,077,127
57$5,605,182$2,556,101$1,991,176$4,362,346
58$6,117,175$2,621,614$1,998,145$4,673,446
59$6,679,509$2,688,456$2,003,466$5,013,000
60$7,297,261$2,756,633$2,007,024$5,383,842
61$7,976,022$2,826,147$2,008,699$5,789,095
62$8,721,951$2,897,003$2,008,366$6,232,200
63$9,541,835$2,969,201$2,005,890$6,716,948
64$10,443,149$3,042,739$2,001,135$7,247,516
65$11,434,131$3,117,614$1,993,954$7,828,506
66$12,523,855$3,193,820$1,984,194$8,464,991
67$13,722,320$3,271,349$1,971,696$9,162,557
68$15,040,540$3,350,189$1,956,292$9,927,365
69$16,490,653$3,430,326$1,937,805$10,766,198
70$18,086,031$3,511,743$1,916,053$11,686,535
71$19,841,407$3,594,420$1,890,842$12,696,615
72$21,773,016$3,678,331$1,861,970$13,805,520
73$23,898,744$3,763,450$1,829,227$15,023,254
74$26,238,300$3,849,743$1,792,390$16,360,846
75$28,813,400$3,937,174$1,751,228$17,830,447
76$31,647,972$4,025,701$1,705,500$19,445,450
77$34,768,382$4,115,277$1,654,951$21,220,612
78$38,203,682$4,205,850$1,599,317$23,172,197
79$41,985,883$4,297,363$1,538,320$25,318,129
80$46,150,260$4,389,751$1,471,671$27,678,160
81$50,735,681$4,482,943$1,399,066$30,274,058
82$55,784,975$4,576,861$1,320,189$33,129,812
83$61,345,336$4,671,421$1,234,708$36,271,860
84$67,468,767$4,766,528$1,142,279$39,729,337
85$74,212,575$4,862,081$1,042,538$43,534,352
86$81,639,903$4,957,969$935,109$47,722,291
87$89,820,335$5,054,071$819,596$52,332,151
88$98,830,545$5,150,256$695,589$57,406,909
89$108,755,026$5,246,384$562,656$62,993,928
90$119,686,882$5,342,301$420,349$69,145,406
91$131,728,711$5,437,841$268,198$75,918,866
92$144,993,571$5,532,826$105,714$83,377,704
93$159,606,045$5,627,064$0$91,591,784
94$175,703,419$5,720,348$0$100,650,378
95$193,436,979$5,812,457$0$110,647,325
96$212,973,435$5,903,150$0$121,657,041
97$234,496,494$5,992,173$0$133,782,689
98$258,208,598$6,079,251$0$147,137,950
99$284,332,830$6,164,090$0$161,848,104
100$313,115,023$6,246,375$0$178,051,208