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

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 $1,780,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$146,991$145,681$144,404$143,157$141,940$136,849
2 years$72,768$71,412$70,099$68,826$67,590$62,517
3 years$48,030$46,669$45,359$44,097$42,882$37,985
4 years$35,663$34,307$33,010$31,770$30,584$25,901
5 years$28,246$26,897$25,617$24,402$23,249$18,792
6 years$23,302$21,963$20,702$19,515$18,396$14,169
7 years$19,772$18,445$17,204$16,044$14,961$10,962
8 years$17,126$15,810$14,590$13,459$12,412$8,638
9 years$15,069$13,766$12,566$11,464$10,453$6,898
10 years$13,424$12,134$10,956$9,882$8,906$5,566
11 years$12,079$10,802$9,645$8,600$7,660$4,526
12 years$10,960$9,695$8,560$7,544$6,638$3,704
13 years$10,013$8,762$7,648$6,660$5,788$3,046
14 years$9,202$7,964$6,871$5,912$5,074$2,514
15 years$8,500$7,275$6,204$5,272$4,467$2,083
16 years$7,886$6,675$5,625$4,721$3,948$1,729
17 years$7,345$6,148$5,118$4,242$3,501$1,439
18 years$6,865$5,681$4,672$3,823$3,113$1,200
19 years$6,436$5,265$4,277$3,454$2,774$1,002
20 years$6,050$4,892$3,926$3,128$2,478$837
21 years$5,701$4,557$3,611$2,839$2,218$701
22 years$5,384$4,254$3,328$2,581$1,988$587
23 years$5,096$3,978$3,073$2,351$1,784$492
24 years$4,832$3,728$2,842$2,144$1,604$412
25 years$4,589$3,498$2,632$1,958$1,443$346
26 years$4,366$3,288$2,441$1,790$1,300$290
27 years$4,159$3,094$2,267$1,639$1,172$244
28 years$3,967$2,916$2,107$1,502$1,058$205
29 years$3,789$2,750$1,961$1,377$955$172
30 years$3,623$2,598$1,827$1,264$863$144
31 years$3,468$2,456$1,703$1,161$780$121
32 years$3,324$2,323$1,589$1,067$706$102
33 years$3,188$2,200$1,483$981$639$86
34 years$3,060$2,085$1,386$902$578$72
35 years$2,940$1,978$1,296$831$524$61
36 years$2,827$1,877$1,212$765$475$51
37 years$2,720$1,783$1,135$705$430$43
38 years$2,619$1,695$1,063$650$390$36
39 years$2,524$1,611$995$599$354$30
40 years$2,434$1,533$933$553$321$25
41 years$2,348$1,459$875$510$291$21
42 years$2,266$1,390$821$471$264$18
43 years$2,189$1,324$770$434$240$15
44 years$2,115$1,262$723$401$217$13
45 years$2,045$1,204$679$370$197$11
46 years$1,978$1,148$638$342$179$9
47 years$1,914$1,096$599$316$163$8
48 years$1,852$1,046$563$292$148$6
49 years$1,794$999$529$270$134$5
50 years$1,738$954$497$250$122$5

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 $6,442 every year, while hoping to spend $39,115 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: 59/15/26 Blend
43$1,780,000$1,780,000$1,780,000$1,780,000
44$1,968,205$1,873,865$1,846,275$2,070,146
45$2,127,344$1,924,066$1,866,507$2,190,630
46$2,301,404$1,975,416$1,886,106$2,317,247
47$2,491,866$2,027,931$1,905,009$2,454,527
48$2,700,360$2,081,623$1,923,151$2,603,516
49$2,928,682$2,136,508$1,940,462$2,765,363
50$3,178,808$2,192,597$1,956,868$2,941,338
51$3,452,917$2,249,905$1,972,293$3,132,837
52$3,753,405$2,308,441$1,986,656$3,341,399
53$4,082,914$2,368,217$1,999,871$3,568,720
54$4,444,354$2,429,241$2,011,849$3,816,669
55$4,840,927$2,491,523$2,022,495$4,087,306
56$5,276,162$2,555,069$2,031,709$4,382,899
57$5,753,948$2,619,885$2,039,389$4,705,949
58$6,278,566$2,685,974$2,045,424$5,059,211
59$6,854,733$2,753,340$2,049,699$5,445,721
60$7,487,646$2,821,983$2,052,093$5,868,827
61$8,183,027$2,891,903$2,052,480$6,332,215
62$8,947,185$2,963,095$2,050,727$6,839,950
63$9,787,065$3,035,554$2,046,694$7,396,511
64$10,710,323$3,109,272$2,040,235$8,006,833
65$11,725,389$3,184,240$2,031,196$8,676,356
66$12,841,554$3,260,443$2,019,416$9,411,076
67$14,069,054$3,337,866$2,004,728$10,217,599
68$15,419,165$3,416,489$1,986,954$11,103,207
69$16,904,312$3,496,289$1,965,909$12,075,925
70$18,538,184$3,577,240$1,941,399$13,144,598
71$20,335,864$3,659,310$1,913,222$14,318,973
72$22,313,972$3,742,466$1,881,164$15,609,794
73$24,490,818$3,826,668$1,845,004$17,028,899
74$26,886,578$3,911,871$1,804,509$18,589,338
75$29,523,483$3,998,027$1,759,434$20,305,491
76$32,426,029$4,085,081$1,709,525$22,193,208
77$35,621,205$4,172,971$1,654,515$24,269,957
78$39,138,753$4,261,631$1,594,126$26,554,989
79$43,011,442$4,350,988$1,528,066$29,069,522
80$47,275,382$4,440,959$1,456,029$31,836,937
81$51,970,363$4,531,458$1,377,698$34,883,007
82$57,140,227$4,622,387$1,292,739$38,236,133
83$62,833,288$4,713,642$1,200,803$41,927,618
84$69,102,781$4,805,108$1,101,527$45,991,957
85$76,007,368$4,896,661$994,532$50,467,172
86$83,611,690$4,988,168$879,419$55,395,162
87$91,986,978$5,079,483$755,775$60,822,107
88$101,211,721$5,170,450$623,165$66,798,898
89$111,372,414$5,260,899$481,139$73,381,625
90$122,564,367$5,350,649$329,223$80,632,101
91$134,892,605$5,439,504$166,925$88,618,449
92$148,472,864$5,527,253$0$97,415,745
93$163,432,677$5,613,670$0$107,108,474
94$179,912,582$5,698,511$0$117,835,610
95$198,067,445$5,781,518$0$129,651,447
96$218,067,924$5,862,412$0$142,666,897
97$240,102,076$5,940,893$0$157,004,184
98$264,377,134$6,016,644$0$172,797,995
99$291,121,465$6,089,323$0$190,196,754
100$320,586,721$6,158,566$0$209,364,023