Can I retire at age 44 with 1,800,000?

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 $1,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$148,642$147,318$146,027$144,766$143,535$141,331
2 years$73,585$72,215$70,887$69,599$68,350$66,135
3 years$48,570$47,193$45,868$44,593$43,364$41,207
4 years$36,064$34,692$33,380$32,127$30,928$28,845
5 years$28,563$27,199$25,905$24,676$23,511$21,509
6 years$23,564$22,210$20,935$19,734$18,603$16,684
7 years$19,994$18,652$17,397$16,224$15,129$13,293
8 years$17,318$15,988$14,754$13,610$12,551$10,798
9 years$15,238$13,921$12,708$11,593$10,570$8,899
10 years$13,575$12,270$11,079$9,993$9,006$7,416
11 years$12,215$10,924$9,754$8,697$7,746$6,235
12 years$11,083$9,804$8,656$7,628$6,712$5,279
13 years$10,125$8,860$7,734$6,735$5,853$4,495
14 years$9,305$8,054$6,949$5,978$5,131$3,846
15 years$8,595$7,357$6,274$5,332$4,518$3,303
16 years$7,975$6,750$5,688$4,774$3,993$2,847
17 years$7,428$6,217$5,176$4,289$3,540$2,460
18 years$6,942$5,744$4,725$3,866$3,148$2,131
19 years$6,508$5,324$4,325$3,493$2,806$1,850
20 years$6,118$4,947$3,970$3,163$2,506$1,608
21 years$5,765$4,608$3,651$2,871$2,243$1,401
22 years$5,445$4,302$3,365$2,610$2,010$1,221
23 years$5,153$4,023$3,107$2,377$1,804$1,066
24 years$4,886$3,769$2,874$2,168$1,622$931
25 years$4,641$3,537$2,662$1,980$1,459$814
26 years$4,415$3,325$2,468$1,811$1,315$713
27 years$4,206$3,129$2,292$1,657$1,185$624
28 years$4,012$2,948$2,131$1,518$1,069$547
29 years$3,832$2,781$1,983$1,392$966$479
30 years$3,664$2,627$1,847$1,278$873$420
31 years$3,507$2,483$1,722$1,174$789$369
32 years$3,361$2,350$1,607$1,079$714$323
33 years$3,224$2,225$1,500$992$646$284
34 years$3,095$2,109$1,402$913$585$249
35 years$2,973$2,000$1,310$840$530$219
36 years$2,859$1,898$1,226$774$480$192
37 years$2,751$1,803$1,147$713$435$169
38 years$2,649$1,714$1,074$657$394$148
39 years$2,552$1,629$1,007$606$358$130
40 years$2,461$1,550$944$559$324$115
41 years$2,374$1,476$885$516$294$101
42 years$2,292$1,405$830$476$267$89
43 years$2,213$1,339$779$439$242$78
44 years$2,139$1,276$731$406$220$68
45 years$2,068$1,217$686$375$200$60
46 years$2,000$1,161$645$346$181$53
47 years$1,935$1,108$606$320$165$46
48 years$1,873$1,058$569$295$149$41
49 years$1,814$1,010$535$273$136$36
50 years$1,757$965$503$252$123$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,800,000, adding $4,848 every year, while hoping to spend $39,906 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: 64/26/10 Blend
43$1,800,000$1,800,000$1,800,000$1,800,000
44$1,988,601$1,893,201$1,865,301$2,111,244
45$2,148,978$1,943,508$1,885,329$2,244,007
46$2,324,377$1,994,943$1,904,690$2,383,851
47$2,516,287$2,047,518$1,923,320$2,535,578
48$2,726,348$2,101,247$1,941,152$2,700,343
49$2,956,368$2,156,140$1,958,113$2,879,415
50$3,208,335$2,212,209$1,974,127$3,074,193
51$3,484,442$2,269,463$1,989,117$3,286,218
52$3,787,100$2,327,912$2,002,998$3,517,183
53$4,118,968$2,387,564$2,015,682$3,768,959
54$4,482,972$2,448,424$2,027,076$4,043,599
55$4,882,337$2,510,498$2,037,085$4,343,371
56$5,320,612$2,573,790$2,045,605$4,670,770
57$5,801,711$2,638,301$2,052,529$5,028,543
58$6,329,941$2,704,034$2,057,744$5,419,718
59$6,910,049$2,770,986$2,061,132$5,847,630
60$7,547,264$2,839,153$2,062,570$6,315,953
61$8,247,344$2,908,531$2,061,925$6,828,735
62$9,016,636$2,979,112$2,059,063$7,390,434
63$9,862,130$3,050,886$2,053,838$8,005,964
64$10,791,527$3,123,838$2,046,101$8,680,736
65$11,813,311$3,197,955$2,035,694$9,420,715
66$12,936,830$3,273,216$2,022,451$10,232,471
67$14,172,382$3,349,599$2,006,199$11,123,244
68$15,531,315$3,427,080$1,986,756$12,101,010
69$17,026,130$3,505,627$1,963,933$13,174,559
70$18,670,600$3,585,208$1,937,530$14,353,576
71$20,479,902$3,665,784$1,907,338$15,648,733
72$22,470,757$3,747,312$1,873,139$17,071,789
73$24,661,590$3,829,746$1,834,704$18,635,701
74$27,072,700$3,913,031$1,791,795$20,354,749
75$29,726,455$3,997,110$1,744,160$22,244,665
76$32,647,503$4,081,917$1,691,539$24,322,790
77$35,862,999$4,167,382$1,633,656$26,608,227
78$39,402,867$4,253,426$1,570,226$29,122,031
79$43,300,080$4,339,965$1,500,949$31,887,403
80$47,590,970$4,426,904$1,425,512$34,929,909
81$52,315,570$4,514,144$1,343,588$38,277,724
82$57,517,994$4,601,573$1,254,834$41,961,895
83$63,246,852$4,689,073$1,158,894$46,016,637
84$69,555,708$4,776,514$1,055,394$50,479,652
85$76,503,583$4,863,757$943,943$55,392,490
86$84,155,517$4,950,649$824,133$60,800,940
87$92,583,179$5,037,030$695,541$66,755,458
88$101,865,542$5,122,723$557,720$73,311,651
89$112,089,630$5,207,540$410,206$80,530,797
90$123,351,340$5,291,277$252,516$88,480,423
91$135,756,345$5,373,717$84,143$97,234,947
92$149,421,089$5,454,627$0$106,876,379
93$164,473,892$5,533,756$0$117,505,288
94$181,056,155$5,610,835$0$129,221,318
95$199,323,694$5,685,578$0$142,125,299
96$219,448,217$5,757,677$0$156,338,249
97$241,618,937$5,826,805$0$171,993,525
98$266,044,360$5,892,610$0$189,238,088
99$292,954,256$5,954,719$0$208,233,886
100$322,601,823$6,012,733$0$229,159,388