Can I retire at age 44 with 1,750,000?

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$144,513$143,226$141,970$140,744$139,547$134,543
2 years$71,541$70,209$68,918$67,666$66,451$61,463
3 years$47,220$45,882$44,594$43,354$42,159$37,345
4 years$35,062$33,728$32,453$31,234$30,068$25,464
5 years$27,769$26,443$25,185$23,991$22,858$18,475
6 years$22,909$21,593$20,353$19,186$18,086$13,930
7 years$19,439$18,134$16,914$15,774$14,709$10,777
8 years$16,837$15,544$14,344$13,232$12,203$8,492
9 years$14,815$13,534$12,355$11,271$10,276$6,782
10 years$13,198$11,929$10,771$9,716$8,756$5,472
11 years$11,876$10,620$9,483$8,455$7,530$4,450
12 years$10,775$9,532$8,416$7,417$6,526$3,641
13 years$9,844$8,614$7,519$6,548$5,691$2,994
14 years$9,047$7,830$6,756$5,812$4,988$2,472
15 years$8,357$7,153$6,099$5,184$4,392$2,048
16 years$7,753$6,563$5,530$4,641$3,882$1,700
17 years$7,221$6,044$5,032$4,170$3,442$1,415
18 years$6,749$5,585$4,594$3,758$3,060$1,180
19 years$6,327$5,176$4,205$3,396$2,728$985
20 years$5,948$4,810$3,859$3,076$2,436$823
21 years$5,605$4,480$3,550$2,791$2,180$689
22 years$5,294$4,182$3,272$2,538$1,954$577
23 years$5,010$3,911$3,021$2,311$1,754$483
24 years$4,750$3,665$2,794$2,108$1,577$405
25 years$4,512$3,439$2,588$1,925$1,419$340
26 years$4,292$3,232$2,400$1,760$1,278$285
27 years$4,089$3,042$2,229$1,611$1,152$240
28 years$3,900$2,866$2,072$1,476$1,040$201
29 years$3,725$2,704$1,928$1,354$939$169
30 years$3,562$2,554$1,796$1,242$848$142
31 years$3,410$2,414$1,674$1,141$767$119
32 years$3,268$2,284$1,562$1,049$694$100
33 years$3,134$2,163$1,458$964$628$84
34 years$3,009$2,050$1,363$887$568$71
35 years$2,891$1,945$1,274$817$515$60
36 years$2,779$1,846$1,192$752$467$50
37 years$2,674$1,753$1,116$693$423$42
38 years$2,575$1,666$1,045$639$383$35
39 years$2,481$1,584$979$589$348$30
40 years$2,393$1,507$917$543$315$25
41 years$2,308$1,435$860$501$286$21
42 years$2,228$1,366$807$463$260$18
43 years$2,152$1,302$757$427$236$15
44 years$2,079$1,241$711$394$214$13
45 years$2,010$1,183$667$364$194$11
46 years$1,944$1,129$627$336$176$9
47 years$1,881$1,077$589$311$160$7
48 years$1,821$1,028$553$287$145$6
49 years$1,764$982$520$265$132$5
50 years$1,709$938$489$245$120$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,750,000, adding $4,034 every year, while hoping to spend $45,380 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: 73/20/7 Blend
43$1,750,000$1,750,000$1,750,000$1,750,000
44$1,932,661$1,839,911$1,812,786$2,071,548
45$2,081,509$1,881,783$1,825,230$2,205,516
46$2,244,017$1,924,185$1,836,571$2,346,096
47$2,421,534$1,967,096$1,846,722$2,498,774
48$2,615,538$2,010,492$1,855,595$2,664,729
49$2,827,661$2,054,345$1,863,096$2,845,262
50$3,059,700$2,098,625$1,869,127$3,041,803
51$3,313,630$2,143,298$1,873,584$3,255,928
52$3,591,629$2,188,329$1,876,357$3,489,374
53$3,896,094$2,233,676$1,877,334$3,744,052
54$4,229,666$2,279,296$1,876,395$4,022,069
55$4,595,251$2,325,140$1,873,413$4,325,744
56$4,996,052$2,371,157$1,868,258$4,657,633
57$5,435,595$2,417,290$1,860,790$5,020,552
58$5,917,765$2,463,476$1,850,866$5,417,601
59$6,446,839$2,509,650$1,838,333$5,852,198
60$7,027,532$2,555,738$1,823,032$6,328,108
61$7,665,034$2,601,662$1,804,797$6,849,478
62$8,365,062$2,647,338$1,783,453$7,420,878
63$9,133,916$2,692,676$1,758,816$8,047,343
64$9,978,536$2,737,577$1,730,697$8,734,422
65$10,906,565$2,781,937$1,698,894$9,488,228
66$11,926,425$2,825,642$1,663,197$10,315,496
67$13,047,393$2,868,571$1,623,387$11,223,649
68$14,279,691$2,910,595$1,579,234$12,220,867
69$15,634,580$2,951,575$1,530,499$13,316,161
70$17,124,465$2,991,360$1,476,929$14,519,463
71$18,763,017$3,029,793$1,418,262$15,841,717
72$20,565,294$3,066,702$1,354,223$17,294,982
73$22,547,889$3,101,906$1,284,525$18,892,549
74$24,729,085$3,135,210$1,208,867$20,649,061
75$27,129,023$3,166,407$1,126,936$22,580,658
76$29,769,900$3,195,277$1,038,405$24,705,123
77$32,676,167$3,221,584$942,929$27,042,055
78$35,874,771$3,245,076$840,152$29,613,052
79$39,395,399$3,265,486$729,699$32,441,915
80$43,270,766$3,282,532$611,180$35,554,873
81$47,536,917$3,295,908$484,187$38,980,830
82$52,233,571$3,305,296$348,295$42,751,640
83$57,404,491$3,310,351$203,059$46,902,407
84$63,097,902$3,310,712$48,015$51,471,816
85$69,366,944$3,305,992$0$56,502,500
86$76,270,169$3,295,783$0$62,050,211
87$83,872,098$3,279,648$0$68,162,351
88$92,243,830$3,257,128$0$74,892,429
89$101,463,706$3,227,733$0$82,303,366
90$111,618,056$3,190,944$0$90,464,501
91$122,802,009$3,146,211$0$99,452,247
92$135,120,391$3,092,953$0$109,350,809
93$148,688,714$3,030,551$0$120,252,983
94$163,634,266$2,958,351$0$132,261,031
95$180,097,313$2,875,662$0$145,487,644
96$198,232,419$2,781,750$0$160,057,012
97$218,209,910$2,675,840$0$176,105,989
98$240,217,475$2,557,110$0$193,785,394
99$264,461,941$2,424,692$0$213,261,429
100$291,171,225$2,277,668$0$234,717,249