Can I retire at age 44 with 1,790,000?

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 $1,790,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$147,817$146,500$145,215$143,961$142,737$141,838
2 years$73,176$71,814$70,493$69,212$67,970$67,063
3 years$48,300$46,931$45,614$44,345$43,123$42,236
4 years$35,864$34,499$33,195$31,948$30,756$29,896
5 years$28,404$27,048$25,761$24,539$23,380$22,550
6 years$23,433$22,087$20,818$19,624$18,500$17,700
7 years$19,883$18,548$17,300$16,134$15,045$14,277
8 years$17,222$15,899$14,672$13,534$12,482$11,744
9 years$15,153$13,843$12,637$11,528$10,511$9,805
10 years$13,500$12,202$11,017$9,938$8,956$8,280
11 years$12,147$10,863$9,699$8,649$7,703$7,057
12 years$11,021$9,750$8,608$7,586$6,675$6,058
13 years$10,069$8,811$7,691$6,697$5,821$5,233
14 years$9,254$8,009$6,910$5,945$5,102$4,543
15 years$8,548$7,316$6,239$5,302$4,492$3,961
16 years$7,930$6,713$5,656$4,747$3,970$3,465
17 years$7,386$6,182$5,147$4,265$3,520$3,041
18 years$6,903$5,713$4,699$3,844$3,130$2,676
19 years$6,472$5,294$4,301$3,473$2,790$2,360
20 years$6,084$4,920$3,948$3,146$2,492$2,086
21 years$5,733$4,583$3,631$2,855$2,230$1,846
22 years$5,415$4,278$3,347$2,596$1,999$1,637
23 years$5,125$4,001$3,090$2,364$1,794$1,453
24 years$4,859$3,748$2,858$2,156$1,613$1,291
25 years$4,615$3,518$2,647$1,969$1,451$1,149
26 years$4,390$3,306$2,455$1,801$1,307$1,023
27 years$4,182$3,111$2,279$1,648$1,179$911
28 years$3,990$2,932$2,119$1,510$1,064$813
29 years$3,810$2,766$1,972$1,385$960$725
30 years$3,644$2,612$1,837$1,271$868$647
31 years$3,488$2,469$1,712$1,167$785$578
32 years$3,342$2,336$1,598$1,073$710$517
33 years$3,206$2,213$1,492$986$642$462
34 years$3,077$2,097$1,394$908$581$413
35 years$2,957$1,989$1,303$835$527$369
36 years$2,843$1,888$1,219$769$477$331
37 years$2,736$1,793$1,141$709$432$296
38 years$2,634$1,704$1,069$653$392$265
39 years$2,538$1,620$1,001$602$356$237
40 years$2,447$1,542$938$556$323$212
41 years$2,361$1,468$880$513$293$190
42 years$2,279$1,398$825$473$265$170
43 years$2,201$1,332$774$437$241$153
44 years$2,127$1,269$727$403$219$137
45 years$2,056$1,210$683$372$199$123
46 years$1,989$1,155$641$344$180$110
47 years$1,924$1,102$602$318$164$98
48 years$1,863$1,052$566$294$149$88
49 years$1,804$1,005$532$271$135$79
50 years$1,748$960$500$251$123$71

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,790,000, adding $3,275 every year, while hoping to spend $56,704 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: 75/18/7 Blend
43$1,790,000$1,790,000$1,790,000$1,790,000
44$1,975,958$1,881,088$1,853,343$2,122,100
45$2,117,173$1,912,929$1,855,098$2,250,539
46$2,270,892$1,944,429$1,855,010$2,383,696
47$2,438,329$1,975,513$1,852,960$2,527,975
48$2,620,823$2,006,097$1,848,818$2,684,459
49$2,819,846$2,036,095$1,842,452$2,854,338
50$3,037,018$2,065,411$1,833,722$3,038,923
51$3,274,121$2,093,944$1,822,479$3,239,658
52$3,533,120$2,121,586$1,808,571$3,458,134
53$3,816,176$2,148,221$1,791,836$3,696,106
54$4,125,668$2,173,726$1,772,104$3,955,502
55$4,464,216$2,197,968$1,749,199$4,238,453
56$4,834,704$2,220,806$1,722,935$4,547,300
57$5,240,308$2,242,090$1,693,118$4,884,628
58$5,684,527$2,261,660$1,659,545$5,253,283
59$6,171,212$2,279,345$1,622,003$5,656,401
60$6,704,605$2,294,962$1,580,269$6,097,437
61$7,289,378$2,308,318$1,534,111$6,580,200
62$7,930,676$2,319,207$1,483,286$7,108,885
63$8,634,166$2,327,410$1,427,538$7,688,119
64$9,406,092$2,332,694$1,366,601$8,322,995
65$10,253,328$2,334,810$1,300,196$9,019,131
66$11,183,448$2,333,496$1,228,033$9,782,717
67$12,204,795$2,328,473$1,149,808$10,620,572
68$13,326,559$2,319,444$1,065,202$11,540,214
69$14,558,865$2,306,094$973,883$12,549,928
70$15,912,866$2,288,089$875,505$13,658,844
71$17,400,848$2,265,075$769,704$14,877,023
72$19,036,348$2,236,677$656,103$16,215,556
73$20,834,278$2,202,497$534,305$17,686,665
74$22,811,068$2,162,113$403,897$19,303,819
75$24,984,819$2,115,078$264,450$21,081,864
76$27,375,474$2,060,920$115,512$23,037,162
77$30,005,005$1,999,138$0$25,187,744
78$32,897,620$1,929,201$0$27,556,727
79$36,079,994$1,850,548$0$30,172,189
80$39,581,515$1,762,587$0$33,049,671
81$43,434,564$1,664,688$0$36,215,817
82$47,674,820$1,556,187$0$39,699,990
83$52,341,594$1,436,383$0$43,534,549
84$57,478,203$1,304,533$0$47,755,155
85$63,132,377$1,159,852$0$52,401,108
86$69,356,705$1,001,510$0$57,515,718
87$76,209,136$828,631$0$63,146,713
88$83,753,524$640,290$0$69,346,695
89$92,060,228$435,509$0$76,173,629
90$101,206,776$213,254$0$83,691,399
91$111,278,600$0$0$91,970,408
92$122,369,834$0$0$101,093,700
93$134,584,210$0$0$111,187,465
94$148,036,031$0$0$122,303,934
95$162,851,252$0$0$134,547,206
96$179,168,664$0$0$148,031,993
97$197,141,209$0$0$162,884,698
98$216,937,421$0$0$179,244,613
99$238,743,012$0$0$197,265,228
100$262,762,630$0$0$217,115,682