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

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$144,513$143,226$141,970$140,744$139,547$136,174
2 years$71,541$70,209$68,918$67,666$66,451$63,073
3 years$47,220$45,882$44,594$43,354$42,159$38,882
4 years$35,062$33,728$32,453$31,234$30,068$26,916
5 years$27,769$26,443$25,185$23,991$22,858$19,840
6 years$22,909$21,593$20,353$19,186$18,086$15,207
7 years$19,439$18,134$16,914$15,774$14,709$11,967
8 years$16,837$15,544$14,344$13,232$12,203$9,598
9 years$14,815$13,534$12,355$11,271$10,276$7,806
10 years$13,198$11,929$10,771$9,716$8,756$6,418
11 years$11,876$10,620$9,483$8,455$7,530$5,321
12 years$10,775$9,532$8,416$7,417$6,526$4,441
13 years$9,844$8,614$7,519$6,548$5,691$3,727
14 years$9,047$7,830$6,756$5,812$4,988$3,142
15 years$8,357$7,153$6,099$5,184$4,392$2,658
16 years$7,753$6,563$5,530$4,641$3,882$2,255
17 years$7,221$6,044$5,032$4,170$3,442$1,918
18 years$6,749$5,585$4,594$3,758$3,060$1,635
19 years$6,327$5,176$4,205$3,396$2,728$1,397
20 years$5,948$4,810$3,859$3,076$2,436$1,194
21 years$5,605$4,480$3,550$2,791$2,180$1,023
22 years$5,294$4,182$3,272$2,538$1,954$877
23 years$5,010$3,911$3,021$2,311$1,754$752
24 years$4,750$3,665$2,794$2,108$1,577$646
25 years$4,512$3,439$2,588$1,925$1,419$555
26 years$4,292$3,232$2,400$1,760$1,278$477
27 years$4,089$3,042$2,229$1,611$1,152$411
28 years$3,900$2,866$2,072$1,476$1,040$353
29 years$3,725$2,704$1,928$1,354$939$304
30 years$3,562$2,554$1,796$1,242$848$262
31 years$3,410$2,414$1,674$1,141$767$226
32 years$3,268$2,284$1,562$1,049$694$194
33 years$3,134$2,163$1,458$964$628$168
34 years$3,009$2,050$1,363$887$568$144
35 years$2,891$1,945$1,274$817$515$124
36 years$2,779$1,846$1,192$752$467$107
37 years$2,674$1,753$1,116$693$423$93
38 years$2,575$1,666$1,045$639$383$80
39 years$2,481$1,584$979$589$348$69
40 years$2,393$1,507$917$543$315$59
41 years$2,308$1,435$860$501$286$51
42 years$2,228$1,366$807$463$260$44
43 years$2,152$1,302$757$427$236$38
44 years$2,079$1,241$711$394$214$33
45 years$2,010$1,183$667$364$194$28
46 years$1,944$1,129$627$336$176$24
47 years$1,881$1,077$589$311$160$21
48 years$1,821$1,028$553$287$145$18
49 years$1,764$982$520$265$132$16
50 years$1,709$938$489$245$120$14

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 $3,879 every year, while hoping to spend $25,303 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: 24/47/29 Blend
43$1,750,000$1,750,000$1,750,000$1,750,000
44$1,932,501$1,839,751$1,812,626$1,961,203
45$2,102,694$1,902,977$1,846,427$2,049,288
46$2,289,399$1,968,452$1,880,512$2,141,213
47$2,494,272$2,036,262$1,914,864$2,239,176
48$2,719,141$2,106,491$1,949,465$2,343,696
49$2,966,015$2,179,231$1,984,294$2,455,345
50$3,237,110$2,254,575$2,019,330$2,574,747
51$3,534,867$2,332,621$2,054,549$2,702,589
52$3,861,974$2,413,470$2,089,926$2,839,624
53$4,221,392$2,497,226$2,125,435$2,986,680
54$4,616,383$2,584,000$2,161,047$3,144,665
55$5,050,543$2,673,904$2,196,730$3,314,576
56$5,527,830$2,767,057$2,232,453$3,497,509
57$6,052,608$2,863,582$2,268,179$3,694,668
58$6,629,683$2,963,607$2,303,872$3,907,376
59$7,264,350$3,067,263$2,339,491$4,137,087
60$7,962,444$3,174,689$2,374,994$4,385,399
61$8,730,393$3,286,029$2,410,337$4,654,070
62$9,575,281$3,401,432$2,445,470$4,945,032
63$10,504,909$3,521,052$2,480,344$5,260,411
64$11,527,879$3,645,052$2,514,904$5,602,545
65$12,653,662$3,773,599$2,549,092$5,974,004
66$13,892,698$3,906,868$2,582,850$6,377,617
67$15,256,489$4,045,040$2,616,111$6,816,498
68$16,757,709$4,188,306$2,648,809$7,294,071
69$18,410,323$4,336,860$2,680,872$7,814,105
70$20,229,718$4,490,909$2,712,223$8,380,748
71$22,232,850$4,650,664$2,742,784$8,998,565
72$24,438,403$4,816,348$2,772,468$9,672,583
73$26,866,962$4,988,192$2,801,188$10,408,332
74$29,541,213$5,166,434$2,828,849$11,211,903
75$32,486,154$5,351,326$2,855,353$12,090,001
76$35,729,328$5,543,128$2,880,593$13,050,007
77$39,301,088$5,742,109$2,904,461$14,100,051
78$43,234,879$5,948,553$2,926,841$15,249,081
79$47,567,557$6,162,753$2,947,611$16,506,955
80$52,339,734$6,385,014$2,966,642$17,884,525
81$57,596,162$6,615,654$2,983,800$19,393,744
82$63,386,156$6,855,007$2,998,942$21,047,776
83$69,764,057$7,103,415$3,011,920$22,861,119
84$76,789,749$7,361,240$3,022,577$24,849,741
85$84,529,218$7,628,856$3,030,749$27,031,230
86$93,055,181$7,906,653$3,036,261$29,424,959
87$102,447,768$8,195,037$3,038,935$32,052,267
88$112,795,279$8,494,432$3,038,577$34,936,659
89$124,195,017$8,805,280$3,034,990$38,104,028
90$136,754,210$9,128,040$3,027,963$41,582,897
91$150,591,016$9,463,190$3,017,277$45,404,688
92$165,835,645$9,811,232$3,002,700$49,604,016
93$182,631,583$10,172,684$2,983,993$54,219,014
94$201,136,948$10,548,090$2,960,901$59,291,693
95$221,525,984$10,938,014$2,933,158$64,868,336
96$243,990,704$11,343,046$2,900,489$70,999,936
97$268,742,701$11,763,800$2,862,600$77,742,669
98$296,015,147$12,200,917$2,819,188$85,158,429
99$326,064,995$12,655,064$2,769,933$93,315,410
100$359,175,400$13,126,939$2,714,502$102,288,744