Can I retire at age 44 with 1,780,000?

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 $1,780,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$146,991$145,681$144,404$143,157$141,940$138,172
2 years$72,768$71,412$70,099$68,826$67,590$63,821
3 years$48,030$46,669$45,359$44,097$42,882$39,229
4 years$35,663$34,307$33,010$31,770$30,584$27,075
5 years$28,246$26,897$25,617$24,402$23,249$19,894
6 years$23,302$21,963$20,702$19,515$18,396$15,198
7 years$19,772$18,445$17,204$16,044$14,961$11,920
8 years$17,126$15,810$14,590$13,459$12,412$9,526
9 years$15,069$13,766$12,566$11,464$10,453$7,720
10 years$13,424$12,134$10,956$9,882$8,906$6,324
11 years$12,079$10,802$9,645$8,600$7,660$5,223
12 years$10,960$9,695$8,560$7,544$6,638$4,342
13 years$10,013$8,762$7,648$6,660$5,788$3,629
14 years$9,202$7,964$6,871$5,912$5,074$3,047
15 years$8,500$7,275$6,204$5,272$4,467$2,567
16 years$7,886$6,675$5,625$4,721$3,948$2,168
17 years$7,345$6,148$5,118$4,242$3,501$1,837
18 years$6,865$5,681$4,672$3,823$3,113$1,559
19 years$6,436$5,265$4,277$3,454$2,774$1,325
20 years$6,050$4,892$3,926$3,128$2,478$1,128
21 years$5,701$4,557$3,611$2,839$2,218$962
22 years$5,384$4,254$3,328$2,581$1,988$821
23 years$5,096$3,978$3,073$2,351$1,784$701
24 years$4,832$3,728$2,842$2,144$1,604$599
25 years$4,589$3,498$2,632$1,958$1,443$512
26 years$4,366$3,288$2,441$1,790$1,300$438
27 years$4,159$3,094$2,267$1,639$1,172$375
28 years$3,967$2,916$2,107$1,502$1,058$321
29 years$3,789$2,750$1,961$1,377$955$275
30 years$3,623$2,598$1,827$1,264$863$236
31 years$3,468$2,456$1,703$1,161$780$202
32 years$3,324$2,323$1,589$1,067$706$173
33 years$3,188$2,200$1,483$981$639$149
34 years$3,060$2,085$1,386$902$578$127
35 years$2,940$1,978$1,296$831$524$109
36 years$2,827$1,877$1,212$765$475$94
37 years$2,720$1,783$1,135$705$430$80
38 years$2,619$1,695$1,063$650$390$69
39 years$2,524$1,611$995$599$354$59
40 years$2,434$1,533$933$553$321$51
41 years$2,348$1,459$875$510$291$44
42 years$2,266$1,390$821$471$264$37
43 years$2,189$1,324$770$434$240$32
44 years$2,115$1,262$723$401$217$28
45 years$2,045$1,204$679$370$197$24
46 years$1,978$1,148$638$342$179$20
47 years$1,914$1,096$599$316$163$17
48 years$1,852$1,046$563$292$148$15
49 years$1,794$999$529$270$134$13
50 years$1,738$954$497$250$122$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,780,000, adding $5,542 every year, while hoping to spend $53,866 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: 65/11/24 Blend
43$1,780,000$1,780,000$1,780,000$1,780,000
44$1,967,277$1,872,937$1,845,347$2,082,542
45$2,110,626$1,907,397$1,849,853$2,195,343
46$2,266,791$1,941,742$1,852,704$2,312,018
47$2,437,023$1,975,906$1,853,789$2,438,316
48$2,622,698$2,009,824$1,852,990$2,575,183
49$2,825,331$2,043,423$1,850,182$2,723,667
50$3,046,588$2,076,624$1,845,237$2,884,921
51$3,288,305$2,109,343$1,838,017$3,060,216
52$3,552,502$2,141,492$1,828,381$3,250,953
53$3,841,405$2,172,972$1,816,179$3,458,679
54$4,157,462$2,203,682$1,801,255$3,685,097
55$4,503,370$2,233,509$1,783,444$3,932,085
56$4,882,099$2,262,336$1,762,575$4,201,715
57$5,296,919$2,290,037$1,738,467$4,496,270
58$5,751,431$2,316,475$1,710,932$4,818,266
59$6,249,602$2,341,507$1,679,773$5,170,481
60$6,795,799$2,364,978$1,644,783$5,555,974
61$7,394,833$2,386,725$1,605,746$5,978,118
62$8,052,004$2,406,572$1,562,436$6,440,633
63$8,773,147$2,424,333$1,514,616$6,947,620
64$9,564,692$2,439,809$1,462,040$7,503,600
65$10,433,719$2,452,789$1,404,447$8,113,557
66$11,388,031$2,463,048$1,341,569$8,782,985
67$12,436,220$2,470,347$1,273,121$9,517,943
68$13,587,752$2,474,432$1,198,808$10,325,109
69$14,853,056$2,475,032$1,118,322$11,211,846
70$16,243,621$2,471,862$1,031,339$12,186,269
71$17,772,104$2,464,616$937,522$13,257,327
72$19,452,448$2,452,972$836,518$14,434,884
73$21,300,016$2,436,586$727,960$15,729,812
74$23,331,734$2,415,095$611,463$17,154,099
75$25,566,249$2,388,113$486,625$18,720,957
76$28,024,107$2,355,231$353,028$20,444,955
77$30,727,945$2,316,017$210,233$22,342,146
78$33,702,704$2,270,010$57,784$24,430,232
79$36,975,864$2,216,725$0$26,728,723
80$40,577,704$2,155,646$0$29,285,988
81$44,541,587$2,086,230$0$32,116,407
82$48,904,271$2,007,898$0$35,231,431
83$53,706,262$1,920,040$0$38,660,002
84$58,992,190$1,822,011$0$42,434,013
85$64,811,230$1,713,126$0$46,588,609
86$71,217,570$1,592,664$0$51,162,520
87$78,270,919$1,459,861$0$56,198,425
88$86,037,067$1,313,909$0$61,743,358
89$94,588,512$1,153,954$0$67,849,148
90$104,005,137$979,095$0$74,572,910
91$114,374,969$788,379$0$81,977,587
92$125,795,005$580,798$0$90,132,541
93$138,372,129$355,291$0$99,114,208
94$152,224,120$110,734$0$109,006,823
95$167,480,762$0$0$119,903,212
96$184,285,069$0$0$131,924,319
97$202,794,636$0$0$145,180,231
98$223,183,122$0$0$159,781,934
99$245,641,892$0$0$175,866,501
100$270,381,820$0$0$193,584,978