Can I retire at age 44 with 1,760,000?

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 $1,760,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$145,339$144,045$142,781$141,549$140,345$136,180
2 years$71,950$70,610$69,311$68,052$66,831$62,669
3 years$47,490$46,144$44,849$43,602$42,400$38,372
4 years$35,263$33,921$32,639$31,413$30,240$26,377
5 years$27,928$26,595$25,329$24,128$22,988$19,300
6 years$23,040$21,716$20,470$19,295$18,190$14,680
7 years$19,550$18,237$17,010$15,864$14,793$11,461
8 years$16,933$15,633$14,426$13,308$12,272$9,117
9 years$14,900$13,611$12,425$11,335$10,335$7,353
10 years$13,273$11,998$10,833$9,771$8,806$5,992
11 years$11,944$10,681$9,537$8,504$7,573$4,924
12 years$10,836$9,586$8,464$7,459$6,563$4,072
13 years$9,900$8,663$7,562$6,585$5,723$3,385
14 years$9,099$7,875$6,794$5,846$5,017$2,826
15 years$8,404$7,194$6,134$5,213$4,417$2,367
16 years$7,797$6,600$5,562$4,668$3,904$1,989
17 years$7,263$6,078$5,061$4,194$3,461$1,675
18 years$6,788$5,617$4,620$3,780$3,078$1,413
19 years$6,363$5,206$4,229$3,415$2,743$1,194
20 years$5,982$4,837$3,881$3,093$2,450$1,010
21 years$5,637$4,506$3,570$2,807$2,193$856
22 years$5,324$4,206$3,290$2,552$1,966$726
23 years$5,039$3,934$3,038$2,325$1,764$616
24 years$4,777$3,686$2,810$2,120$1,586$523
25 years$4,538$3,459$2,602$1,936$1,427$444
26 years$4,316$3,251$2,414$1,770$1,285$378
27 years$4,112$3,059$2,241$1,620$1,159$321
28 years$3,923$2,883$2,084$1,485$1,046$273
29 years$3,747$2,720$1,939$1,361$944$233
30 years$3,583$2,568$1,806$1,250$853$198
31 years$3,429$2,428$1,684$1,148$771$169
32 years$3,286$2,297$1,571$1,055$698$144
33 years$3,152$2,176$1,467$970$631$122
34 years$3,026$2,062$1,370$892$572$104
35 years$2,907$1,956$1,281$821$518$89
36 years$2,795$1,856$1,199$757$469$76
37 years$2,690$1,763$1,122$697$425$64
38 years$2,590$1,676$1,051$642$386$55
39 years$2,496$1,593$984$592$350$47
40 years$2,406$1,516$923$546$317$40
41 years$2,321$1,443$865$504$288$34
42 years$2,241$1,374$811$465$261$29
43 years$2,164$1,309$761$429$237$25
44 years$2,091$1,248$715$397$215$21
45 years$2,022$1,190$671$366$195$18
46 years$1,955$1,135$630$338$177$15
47 years$1,892$1,083$592$313$161$13
48 years$1,832$1,034$557$289$146$11
49 years$1,774$988$523$267$133$9
50 years$1,718$944$492$247$121$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,760,000, adding $4,127 every year, while hoping to spend $25,428 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: 53/42/5 Blend
43$1,760,000$1,760,000$1,760,000$1,760,000
44$1,943,777$1,850,497$1,823,217$2,044,464
45$2,114,987$1,914,116$1,857,240$2,176,638
46$2,302,808$1,980,000$1,891,550$2,317,202
47$2,508,908$2,048,234$1,926,130$2,469,493
48$2,735,124$2,118,904$1,960,962$2,634,622
49$2,983,478$2,192,102$1,996,026$2,813,808
50$3,256,199$2,267,921$2,031,299$3,008,395
51$3,555,742$2,346,461$2,066,759$3,219,857
52$3,884,813$2,427,822$2,102,380$3,449,820
53$4,246,390$2,512,111$2,138,136$3,700,067
54$4,643,755$2,599,439$2,173,997$3,972,563
55$5,080,526$2,689,918$2,209,933$4,269,470
56$5,560,684$2,783,669$2,245,911$4,593,164
57$6,088,620$2,880,815$2,281,895$4,946,262
58$6,669,169$2,981,485$2,317,848$5,331,642
59$7,307,659$3,085,812$2,353,731$5,752,475
60$8,009,959$3,193,935$2,389,499$6,212,246
61$8,782,536$3,306,000$2,425,109$6,714,794
62$9,632,516$3,422,156$2,460,512$7,264,346
63$10,567,751$3,542,559$2,495,657$7,865,553
64$11,596,890$3,667,373$2,530,490$8,523,536
65$12,729,465$3,796,766$2,564,954$9,243,934
66$13,975,978$3,930,916$2,598,987$10,032,955
67$15,348,001$4,070,003$2,632,526$10,897,436
68$16,858,283$4,214,220$2,665,503$11,844,904
69$18,520,876$4,363,765$2,697,845$12,883,648
70$20,351,259$4,518,843$2,729,476$14,022,797
71$22,366,490$4,679,669$2,760,316$15,272,405
72$24,585,366$4,846,467$2,790,281$16,643,543
73$27,028,599$5,019,469$2,819,281$18,148,408
74$29,719,011$5,198,918$2,847,221$19,800,430
75$32,681,749$5,385,064$2,874,003$21,614,403
76$35,944,526$5,578,171$2,899,520$23,606,623
77$39,537,877$5,778,511$2,923,664$25,795,039
78$43,495,451$5,986,368$2,946,317$28,199,424
79$47,854,326$6,202,039$2,967,357$30,841,557
80$52,655,360$6,425,831$2,986,656$33,745,431
81$57,943,575$6,658,066$3,004,078$36,937,477
82$63,768,586$6,899,077$3,019,481$40,446,812
83$70,185,063$7,149,213$3,032,714$44,305,513
84$77,253,251$7,408,836$3,043,622$48,548,919
85$85,039,538$7,678,324$3,052,039$53,215,962
86$93,617,079$7,958,071$3,057,790$58,349,533
87$103,066,490$8,248,485$3,060,695$63,996,889
88$113,476,606$8,549,995$3,060,563$70,210,093
89$124,945,320$8,863,044$3,057,191$77,046,506
90$137,580,506$9,188,097$3,050,371$84,569,327
91$151,501,041$9,525,637$3,039,881$92,848,188
92$166,837,921$9,876,167$3,025,491$101,959,810
93$183,735,501$10,240,212$3,006,958$111,988,723
94$202,352,858$10,618,318$2,984,027$123,028,066
95$222,865,291$11,011,056$2,956,432$135,180,461
96$245,465,973$11,419,021$2,923,895$148,558,982
97$270,367,780$11,842,831$2,886,124$163,288,218
98$297,805,296$12,283,132$2,842,811$179,505,450
99$328,037,029$12,740,598$2,793,638$197,361,941
100$361,347,850$13,215,931$2,738,269$217,024,368