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%14.2%
1 years$144,513$143,226$141,970$140,744$139,547$137,123
2 years$71,541$70,209$68,918$67,666$66,451$64,016
3 years$47,220$45,882$44,594$43,354$42,159$39,790
4 years$35,062$33,728$32,453$31,234$30,068$27,783
5 years$27,769$26,443$25,185$23,991$22,858$20,662
6 years$22,909$21,593$20,353$19,186$18,086$15,984
7 years$19,439$18,134$16,914$15,774$14,709$12,700
8 years$16,837$15,544$14,344$13,232$12,203$10,287
9 years$14,815$13,534$12,355$11,271$10,276$8,452
10 years$13,198$11,929$10,771$9,716$8,756$7,022
11 years$11,876$10,620$9,483$8,455$7,530$5,885
12 years$10,775$9,532$8,416$7,417$6,526$4,967
13 years$9,844$8,614$7,519$6,548$5,691$4,216
14 years$9,047$7,830$6,756$5,812$4,988$3,595
15 years$8,357$7,153$6,099$5,184$4,392$3,077
16 years$7,753$6,563$5,530$4,641$3,882$2,642
17 years$7,221$6,044$5,032$4,170$3,442$2,275
18 years$6,749$5,585$4,594$3,758$3,060$1,964
19 years$6,327$5,176$4,205$3,396$2,728$1,698
20 years$5,948$4,810$3,859$3,076$2,436$1,471
21 years$5,605$4,480$3,550$2,791$2,180$1,276
22 years$5,294$4,182$3,272$2,538$1,954$1,109
23 years$5,010$3,911$3,021$2,311$1,754$964
24 years$4,750$3,665$2,794$2,108$1,577$839
25 years$4,512$3,439$2,588$1,925$1,419$731
26 years$4,292$3,232$2,400$1,760$1,278$637
27 years$4,089$3,042$2,229$1,611$1,152$555
28 years$3,900$2,866$2,072$1,476$1,040$485
29 years$3,725$2,704$1,928$1,354$939$423
30 years$3,562$2,554$1,796$1,242$848$369
31 years$3,410$2,414$1,674$1,141$767$323
32 years$3,268$2,284$1,562$1,049$694$282
33 years$3,134$2,163$1,458$964$628$247
34 years$3,009$2,050$1,363$887$568$216
35 years$2,891$1,945$1,274$817$515$188
36 years$2,779$1,846$1,192$752$467$165
37 years$2,674$1,753$1,116$693$423$144
38 years$2,575$1,666$1,045$639$383$126
39 years$2,481$1,584$979$589$348$110
40 years$2,393$1,507$917$543$315$97
41 years$2,308$1,435$860$501$286$85
42 years$2,228$1,366$807$463$260$74
43 years$2,152$1,302$757$427$236$65
44 years$2,079$1,241$711$394$214$57
45 years$2,010$1,183$667$364$194$50
46 years$1,944$1,129$627$336$176$43
47 years$1,881$1,077$589$311$160$38
48 years$1,821$1,028$553$287$145$33
49 years$1,764$982$520$265$132$29
50 years$1,709$938$489$245$120$26

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 $6,434 every year, while hoping to spend $59,014 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: 34/38/28 Blend
43$1,750,000$1,750,000$1,750,000$1,750,000
44$1,935,137$1,842,387$1,815,262$1,984,354
45$2,069,730$1,869,873$1,813,282$2,049,519
46$2,216,074$1,896,729$1,809,259$2,114,016
47$2,375,305$1,922,860$1,803,061$2,182,427
48$2,548,673$1,948,167$1,794,550$2,255,142
49$2,737,554$1,972,543$1,783,584$2,332,591
50$2,943,462$1,995,875$1,770,011$2,415,254
51$3,168,063$2,018,040$1,753,674$2,503,660
52$3,413,190$2,038,909$1,734,407$2,598,397
53$3,680,863$2,058,343$1,712,037$2,700,116
54$3,973,304$2,076,195$1,686,383$2,809,539
55$4,292,958$2,092,306$1,657,255$2,927,464
56$4,642,521$2,106,510$1,624,454$3,054,777
57$5,024,957$2,118,628$1,587,772$3,192,458
58$5,443,532$2,128,470$1,546,991$3,341,591
59$5,901,841$2,135,834$1,501,884$3,503,379
60$6,403,844$2,140,505$1,452,213$3,679,149
61$6,953,902$2,142,256$1,397,728$3,870,373
62$7,556,818$2,140,844$1,338,170$4,078,679
63$8,217,880$2,136,012$1,273,265$4,305,868
64$8,942,913$2,127,486$1,202,729$4,553,930
65$9,738,335$2,114,977$1,126,264$4,825,068
66$10,611,211$2,098,178$1,043,561$5,121,719
67$11,569,328$2,076,761$954,293$5,446,574
68$12,621,259$2,050,382$858,121$5,802,612
69$13,776,450$2,018,674$754,692$6,193,122
70$15,045,308$1,981,249$643,633$6,621,742
71$16,439,294$1,937,695$524,560$7,092,491
72$17,971,037$1,887,577$397,068$7,609,810
73$19,654,448$1,830,434$260,735$8,178,607
74$21,504,854$1,765,777$115,122$8,804,301
75$23,539,139$1,693,090$0$9,492,881
76$25,775,906$1,611,826$0$10,262,993
77$28,235,650$1,521,407$0$11,147,394
78$30,940,952$1,421,222$0$12,119,871
79$33,916,691$1,310,623$0$13,189,486
80$37,190,278$1,188,928$0$14,366,237
81$40,791,914$1,055,413$0$15,661,148
82$44,754,876$909,315$0$17,086,384
83$49,115,829$749,827$0$18,655,358
84$53,915,172$576,097$0$20,382,867
85$59,197,418$387,225$0$22,285,227
86$65,011,614$182,258$0$24,380,436
87$71,411,805$0$0$26,688,341
88$78,457,538$0$0$29,247,475
89$86,214,431$0$0$32,149,134
90$94,754,785$0$0$35,344,193
91$104,158,269$0$0$38,862,496
92$114,512,671$0$0$42,736,933
93$125,914,725$0$0$47,003,741
94$138,471,024$0$0$51,702,855
95$152,299,026$0$0$56,878,277
96$167,528,158$0$0$62,578,497
97$184,301,042$0$0$68,856,946
98$202,774,838$0$0$75,772,504
99$223,122,727$0$0$83,390,051
100$245,535,544$0$0$91,781,084