Can I retire at age 44 with 1,770,000?

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 $1,770,000?

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$146,165$144,863$143,593$142,353$141,142$136,134
2 years$72,359$71,011$69,705$68,439$67,211$62,219
3 years$47,760$46,407$45,104$43,849$42,641$37,822
4 years$35,463$34,114$32,824$31,591$30,412$25,802
5 years$28,087$26,746$25,473$24,265$23,119$18,731
6 years$23,171$21,840$20,586$19,405$18,293$14,130
7 years$19,661$18,341$17,107$15,954$14,877$10,938
8 years$17,030$15,722$14,508$13,383$12,342$8,624
9 years$14,984$13,689$12,496$11,400$10,394$6,892
10 years$13,349$12,066$10,894$9,827$8,856$5,564
11 years$12,012$10,741$9,591$8,552$7,616$4,528
12 years$10,898$9,641$8,512$7,501$6,600$3,708
13 years$9,957$8,713$7,605$6,623$5,756$3,051
14 years$9,150$7,920$6,833$5,879$5,045$2,521
15 years$8,452$7,235$6,169$5,243$4,442$2,089
16 years$7,842$6,638$5,593$4,694$3,926$1,736
17 years$7,304$6,113$5,090$4,218$3,481$1,446
18 years$6,826$5,649$4,646$3,801$3,095$1,206
19 years$6,399$5,235$4,253$3,435$2,759$1,008
20 years$6,016$4,865$3,904$3,111$2,464$843
21 years$5,669$4,531$3,590$2,823$2,205$706
22 years$5,354$4,230$3,309$2,567$1,977$592
23 years$5,067$3,956$3,055$2,338$1,774$496
24 years$4,805$3,707$2,826$2,132$1,595$416
25 years$4,563$3,478$2,617$1,947$1,435$350
26 years$4,341$3,269$2,427$1,780$1,293$294
27 years$4,135$3,077$2,254$1,630$1,166$247
28 years$3,945$2,899$2,095$1,493$1,052$207
29 years$3,768$2,735$1,950$1,369$950$174
30 years$3,603$2,583$1,816$1,257$858$147
31 years$3,449$2,442$1,693$1,154$776$123
32 years$3,305$2,310$1,580$1,061$702$104
33 years$3,170$2,188$1,475$975$635$87
34 years$3,043$2,074$1,378$897$575$73
35 years$2,924$1,967$1,289$826$521$62
36 years$2,811$1,867$1,205$761$472$52
37 years$2,705$1,773$1,128$701$428$44
38 years$2,605$1,685$1,057$646$388$37
39 years$2,510$1,602$990$596$352$31
40 years$2,420$1,524$928$550$319$26
41 years$2,335$1,451$870$507$289$22
42 years$2,253$1,382$816$468$263$18
43 years$2,176$1,317$766$432$238$16
44 years$2,103$1,255$719$399$216$13
45 years$2,033$1,197$675$368$196$11
46 years$1,966$1,142$634$340$178$9
47 years$1,903$1,090$596$314$162$8
48 years$1,842$1,040$560$290$147$7
49 years$1,784$993$526$268$134$6
50 years$1,728$949$495$248$121$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,770,000, adding $4,985 every year, while hoping to spend $25,718 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: 56/26/18 Blend
43$1,770,000$1,770,000$1,770,000$1,770,000
44$1,955,682$1,861,872$1,834,437$2,055,568
45$2,127,798$1,925,740$1,868,527$2,188,012
46$2,316,608$1,991,876$1,902,897$2,329,027
47$2,523,787$2,060,363$1,937,529$2,482,071
48$2,751,181$2,131,288$1,972,404$2,648,302
49$3,000,823$2,204,744$2,007,502$2,828,996
50$3,274,954$2,280,822$2,042,800$3,025,558
51$3,576,039$2,359,622$2,078,273$3,239,531
52$3,906,796$2,441,245$2,113,897$3,472,616
53$4,270,220$2,525,797$2,149,643$3,726,683
54$4,669,608$2,613,387$2,185,482$4,003,794
55$5,108,594$2,704,129$2,221,381$4,306,215
56$5,591,182$2,798,142$2,257,309$4,636,444
57$6,121,781$2,895,550$2,293,227$4,997,228
58$6,705,251$2,996,480$2,329,098$5,391,594
59$7,346,944$3,101,065$2,364,881$5,822,875
60$8,052,760$3,209,445$2,400,532$6,294,741
61$8,829,196$3,321,762$2,436,004$6,811,232
62$9,683,413$3,438,168$2,471,250$7,376,799
63$10,623,300$3,558,816$2,506,215$7,996,343
64$11,657,549$3,683,871$2,540,845$8,675,262
65$12,795,737$3,813,499$2,575,082$9,419,503
66$14,048,418$3,947,876$2,608,863$10,235,613
67$15,427,219$4,087,184$2,642,123$11,130,807
68$16,944,953$4,231,613$2,674,791$12,113,029
69$18,615,736$4,381,361$2,706,794$13,191,032
70$20,455,125$4,536,631$2,738,055$14,374,457
71$22,480,259$4,697,638$2,768,492$15,673,925
72$24,710,027$4,864,603$2,798,018$17,101,137
73$27,165,240$5,037,759$2,826,542$18,668,982
74$29,868,830$5,217,345$2,853,967$20,391,659
75$32,846,068$5,403,612$2,880,192$22,284,814
76$36,124,799$5,596,820$2,905,110$24,365,681
77$39,735,705$5,797,242$2,928,608$26,653,249
78$43,712,599$6,005,158$2,950,568$29,168,439
79$48,092,737$6,220,864$2,970,865$31,934,299
80$52,917,175$6,444,665$2,989,368$34,976,226
81$58,231,153$6,676,880$3,005,938$38,322,199
82$64,084,525$6,917,841$3,020,431$42,003,047
83$70,532,225$7,167,894$3,032,694$46,052,738
84$77,634,789$7,427,399$3,042,567$50,508,699
85$85,458,926$7,696,729$3,049,881$55,412,168
86$94,078,145$7,976,277$3,054,460$60,808,582
87$103,573,449$8,266,449$3,056,119$66,748,008
88$114,034,104$8,567,667$3,054,662$73,285,611
89$125,558,475$8,880,375$3,049,885$80,482,178
90$138,254,957$9,205,032$3,041,574$88,404,688
91$152,243,001$9,542,116$3,029,505$97,126,945
92$167,654,235$9,892,128$3,013,441$106,730,272
93$184,633,712$10,255,587$2,993,137$117,304,281
94$203,341,276$10,633,037$2,968,332$128,947,714
95$223,953,072$11,025,042$2,938,757$141,769,378
96$246,663,208$11,432,191$2,904,128$155,889,169
97$271,685,585$11,855,098$2,864,146$171,439,202
98$299,255,920$12,294,404$2,818,501$188,565,061
99$329,633,970$12,750,775$2,766,866$207,427,166
100$363,105,980$13,224,908$2,708,901$228,202,294