Can I retire at age 44 with 1,810,000?

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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$149,468$148,137$146,838$145,570$144,332$143,724
2 years$73,994$72,616$71,280$69,986$68,729$68,116
3 years$48,839$47,455$46,123$44,840$43,605$43,004
4 years$36,265$34,885$33,566$32,305$31,099$30,516
5 years$28,722$27,350$26,048$24,813$23,641$23,078
6 years$23,695$22,333$21,051$19,843$18,706$18,163
7 years$20,105$18,756$17,494$16,314$15,213$14,691
8 years$17,414$16,077$14,836$13,686$12,621$12,119
9 years$15,323$13,998$12,778$11,657$10,629$10,147
10 years$13,650$12,338$11,140$10,049$9,056$8,595
11 years$12,283$10,984$9,808$8,745$7,789$7,347
12 years$11,144$9,859$8,704$7,671$6,749$6,328
13 years$10,182$8,909$7,777$6,772$5,886$5,483
14 years$9,357$8,098$6,987$6,012$5,159$4,776
15 years$8,643$7,398$6,309$5,361$4,543$4,177
16 years$8,019$6,788$5,720$4,800$4,015$3,667
17 years$7,469$6,251$5,205$4,313$3,560$3,230
18 years$6,980$5,776$4,751$3,887$3,165$2,852
19 years$6,544$5,353$4,349$3,512$2,821$2,524
20 years$6,152$4,975$3,992$3,181$2,520$2,239
21 years$5,797$4,634$3,672$2,887$2,255$1,989
22 years$5,475$4,325$3,384$2,625$2,021$1,770
23 years$5,182$4,045$3,124$2,391$1,815$1,577
24 years$4,913$3,790$2,890$2,180$1,631$1,407
25 years$4,666$3,557$2,676$1,991$1,468$1,256
26 years$4,439$3,343$2,482$1,821$1,322$1,123
27 years$4,229$3,146$2,305$1,666$1,192$1,005
28 years$4,034$2,965$2,143$1,527$1,075$899
29 years$3,853$2,797$1,994$1,400$971$806
30 years$3,684$2,641$1,857$1,285$877$722
31 years$3,527$2,497$1,732$1,180$793$648
32 years$3,380$2,363$1,616$1,085$718$581
33 years$3,241$2,237$1,508$997$649$522
34 years$3,112$2,121$1,409$918$588$468
35 years$2,990$2,011$1,318$845$533$421
36 years$2,875$1,909$1,233$778$483$378
37 years$2,766$1,813$1,154$717$437$340
38 years$2,664$1,723$1,080$661$396$305
39 years$2,567$1,639$1,012$609$360$275
40 years$2,475$1,559$949$562$326$247
41 years$2,387$1,484$890$518$296$222
42 years$2,304$1,413$835$478$268$200
43 years$2,226$1,347$783$442$244$180
44 years$2,151$1,284$735$408$221$162
45 years$2,079$1,224$690$377$201$146
46 years$2,011$1,168$648$348$182$131
47 years$1,946$1,114$609$321$166$118
48 years$1,884$1,064$572$297$150$106
49 years$1,824$1,016$538$274$137$96
50 years$1,767$970$506$254$124$86

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,810,000, adding $6,313 every year, while hoping to spend $30,624 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: 37/47/16 Blend
43$1,810,000$1,810,000$1,810,000$1,810,000
44$2,001,132$1,905,202$1,877,147$2,065,238
45$2,172,664$1,965,973$1,907,448$2,172,736
46$2,360,665$2,028,696$1,937,737$2,285,392
47$2,566,784$2,093,433$1,967,982$2,406,424
48$2,792,835$2,160,250$1,998,149$2,536,598
49$3,040,817$2,229,215$2,028,200$2,676,755
50$3,312,931$2,300,397$2,058,095$2,827,822
51$3,611,602$2,373,869$2,087,793$2,990,816
52$3,939,502$2,449,705$2,117,250$3,166,856
53$4,299,572$2,527,981$2,146,419$3,357,171
54$4,695,053$2,608,777$2,175,249$3,563,114
55$5,129,517$2,692,175$2,203,688$3,786,172
56$5,606,896$2,778,261$2,231,680$4,027,983
57$6,131,525$2,867,120$2,259,167$4,290,346
58$6,708,176$2,958,845$2,286,085$4,575,243
59$7,342,110$3,053,528$2,312,368$4,884,853
60$8,039,120$3,151,267$2,337,948$5,221,574
61$8,805,592$3,252,160$2,362,750$5,588,048
62$9,648,557$3,356,311$2,386,698$5,987,180
63$10,575,766$3,463,826$2,409,708$6,422,168
64$11,595,757$3,574,816$2,431,696$6,896,535
65$12,717,936$3,689,394$2,452,570$7,414,157
66$13,952,669$3,807,678$2,472,235$7,979,303
67$15,311,377$3,929,790$2,490,589$8,596,672
68$16,806,642$4,055,854$2,507,529$9,271,440
69$18,452,329$4,186,000$2,522,941$10,009,306
70$20,263,716$4,320,364$2,536,708$10,816,545
71$22,257,635$4,459,082$2,548,709$11,700,070
72$24,452,636$4,602,299$2,558,812$12,667,492
73$26,869,155$4,750,162$2,566,883$13,727,196
74$29,529,713$4,902,824$2,572,778$14,888,416
75$32,459,126$5,060,444$2,576,348$16,161,323
76$35,684,735$5,223,185$2,577,434$17,557,121
77$39,236,673$5,391,215$2,575,873$19,088,151
78$43,148,139$5,564,711$2,571,490$20,768,009
79$47,455,719$5,743,851$2,564,104$22,611,671
80$52,199,725$5,928,822$2,553,525$24,635,634
81$57,424,581$6,119,819$2,539,552$26,858,074
82$63,179,238$6,317,039$2,521,976$29,299,014
83$69,517,636$6,520,690$2,500,578$31,980,514
84$76,499,215$6,730,984$2,475,128$34,926,877
85$84,189,475$6,948,142$2,445,385$38,164,878
86$92,660,592$7,172,392$2,411,096$41,724,018
87$101,992,103$7,403,970$2,371,999$45,636,800
88$112,271,653$7,643,120$2,327,815$49,939,035
89$123,595,821$7,890,092$2,278,257$54,670,179
90$136,071,037$8,145,149$2,223,021$59,873,707
91$149,814,582$8,408,560$2,161,791$65,597,518
92$164,955,693$8,680,603$2,094,235$71,894,391
93$181,636,788$8,961,567$2,020,006$78,822,482
94$200,014,807$9,251,751$1,938,743$86,445,867
95$220,262,692$9,551,461$1,850,065$94,835,153
96$242,571,022$9,861,019$1,753,578$104,068,138
97$267,149,811$10,180,753$1,648,867$114,230,546
98$294,230,487$10,511,005$1,535,500$125,416,839
99$324,068,081$10,852,128$1,413,023$137,731,103
100$356,943,631$11,204,489$1,280,965$151,288,029