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

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 $1,770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$146,165$144,863$143,593$142,353$141,142$135,972
2 years$72,359$71,011$69,705$68,439$67,211$62,059
3 years$47,760$46,407$45,104$43,849$42,641$37,671
4 years$35,463$34,114$32,824$31,591$30,412$25,661
5 years$28,087$26,746$25,473$24,265$23,119$18,598
6 years$23,171$21,840$20,586$19,405$18,293$14,007
7 years$19,661$18,341$17,107$15,954$14,877$10,825
8 years$17,030$15,722$14,508$13,383$12,342$8,519
9 years$14,984$13,689$12,496$11,400$10,394$6,795
10 years$13,349$12,066$10,894$9,827$8,856$5,476
11 years$12,012$10,741$9,591$8,552$7,616$4,447
12 years$10,898$9,641$8,512$7,501$6,600$3,634
13 years$9,957$8,713$7,605$6,623$5,756$2,985
14 years$9,150$7,920$6,833$5,879$5,045$2,461
15 years$8,452$7,235$6,169$5,243$4,442$2,035
16 years$7,842$6,638$5,593$4,694$3,926$1,687
17 years$7,304$6,113$5,090$4,218$3,481$1,402
18 years$6,826$5,649$4,646$3,801$3,095$1,167
19 years$6,399$5,235$4,253$3,435$2,759$973
20 years$6,016$4,865$3,904$3,111$2,464$812
21 years$5,669$4,531$3,590$2,823$2,205$678
22 years$5,354$4,230$3,309$2,567$1,977$567
23 years$5,067$3,956$3,055$2,338$1,774$475
24 years$4,805$3,707$2,826$2,132$1,595$397
25 years$4,563$3,478$2,617$1,947$1,435$333
26 years$4,341$3,269$2,427$1,780$1,293$279
27 years$4,135$3,077$2,254$1,630$1,166$234
28 years$3,945$2,899$2,095$1,493$1,052$196
29 years$3,768$2,735$1,950$1,369$950$164
30 years$3,603$2,583$1,816$1,257$858$138
31 years$3,449$2,442$1,693$1,154$776$116
32 years$3,305$2,310$1,580$1,061$702$97
33 years$3,170$2,188$1,475$975$635$81
34 years$3,043$2,074$1,378$897$575$68
35 years$2,924$1,967$1,289$826$521$57
36 years$2,811$1,867$1,205$761$472$48
37 years$2,705$1,773$1,128$701$428$40
38 years$2,605$1,685$1,057$646$388$34
39 years$2,510$1,602$990$596$352$28
40 years$2,420$1,524$928$550$319$24
41 years$2,335$1,451$870$507$289$20
42 years$2,253$1,382$816$468$263$17
43 years$2,176$1,317$766$432$238$14
44 years$2,103$1,255$719$399$216$12
45 years$2,033$1,197$675$368$196$10
46 years$1,966$1,142$634$340$178$8
47 years$1,903$1,090$596$314$162$7
48 years$1,842$1,040$560$290$147$6
49 years$1,784$993$526$268$134$5
50 years$1,728$949$495$248$121$4

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 $6,414 every year, while hoping to spend $51,677 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: 32/41/27 Blend
43$1,770,000$1,770,000$1,770,000$1,770,000
44$1,957,156$1,863,346$1,835,911$2,003,471
45$2,101,802$1,899,666$1,842,430$2,075,724
46$2,259,470$1,936,034$1,847,436$2,148,470
47$2,431,433$1,972,397$1,850,822$2,225,806
48$2,619,094$2,008,699$1,852,479$2,308,172
49$2,823,996$2,044,879$1,852,291$2,396,054
50$3,047,836$2,080,871$1,850,136$2,489,989
51$3,292,486$2,116,605$1,845,886$2,590,569
52$3,560,004$2,152,003$1,839,408$2,698,452
53$3,852,657$2,186,983$1,830,560$2,814,362
54$4,172,941$2,221,458$1,819,197$2,939,101
55$4,523,604$2,255,332$1,805,163$3,073,553
56$4,907,672$2,288,505$1,788,297$3,218,698
57$5,328,480$2,320,867$1,768,430$3,375,616
58$5,789,697$2,352,301$1,745,385$3,545,504
59$6,295,366$2,382,684$1,718,975$3,729,681
60$6,849,940$2,411,882$1,689,007$3,929,607
61$7,458,322$2,439,752$1,655,277$4,146,892
62$8,125,915$2,466,144$1,617,573$4,383,317
63$8,858,667$2,490,894$1,575,670$4,640,848
64$9,663,133$2,513,830$1,529,338$4,921,658
65$10,546,533$2,534,768$1,478,331$5,228,144
66$11,516,819$2,553,511$1,422,394$5,562,958
67$12,582,752$2,569,851$1,361,262$5,929,022
68$13,753,984$2,583,564$1,294,655$6,329,569
69$15,041,146$2,594,415$1,222,282$6,768,164
70$16,455,954$2,602,152$1,143,839$7,248,745
71$18,011,311$2,606,507$1,059,008$7,775,660
72$19,721,435$2,607,196$967,455$8,353,706
73$21,601,990$2,603,918$868,833$8,988,183
74$23,670,234$2,596,351$762,781$9,684,936
75$25,945,182$2,584,157$648,918$10,450,419
76$28,447,783$2,566,973$526,849$11,291,754
77$31,201,119$2,544,417$396,161$12,216,801
78$34,230,623$2,516,083$256,422$13,234,235
79$37,564,317$2,481,541$107,182$14,353,625
80$41,233,076$2,440,335$0$15,585,534
81$45,270,919$2,391,981$0$16,956,618
82$49,715,333$2,335,969$0$18,498,656
83$54,607,621$2,271,755$0$20,195,070
84$59,993,294$2,198,767$0$22,061,659
85$65,922,500$2,116,396$0$24,115,846
86$72,450,497$2,024,001$0$26,376,839
87$79,638,172$1,920,901$0$28,865,817
88$87,552,618$1,806,378$0$31,606,128
89$96,267,765$1,679,671$0$34,623,514
90$105,865,078$1,539,976$0$37,946,356
91$116,434,324$1,386,443$0$41,605,942
92$128,074,420$1,218,173$0$45,636,767
93$140,894,365$1,034,218$0$50,076,859
94$155,014,269$833,574$0$54,968,139
95$170,566,488$615,182$0$60,356,825
96$187,696,866$377,922$0$66,293,865
97$206,566,120$120,614$0$72,835,423
98$227,351,350$0$0$80,043,413
99$250,247,710$0$0$88,057,367
100$275,470,255$0$0$96,945,861