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

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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$149,468$148,137$146,838$145,570$144,332$140,786
2 years$73,994$72,616$71,280$69,986$68,729$65,179
3 years$48,839$47,455$46,123$44,840$43,605$40,160
4 years$36,265$34,885$33,566$32,305$31,099$27,788
5 years$28,722$27,350$26,048$24,813$23,641$20,472
6 years$23,695$22,333$21,051$19,843$18,706$15,682
7 years$20,105$18,756$17,494$16,314$15,213$12,335
8 years$17,414$16,077$14,836$13,686$12,621$9,887
9 years$15,323$13,998$12,778$11,657$10,629$8,036
10 years$13,650$12,338$11,140$10,049$9,056$6,603
11 years$12,283$10,984$9,808$8,745$7,789$5,471
12 years$11,144$9,859$8,704$7,671$6,749$4,564
13 years$10,182$8,909$7,777$6,772$5,886$3,827
14 years$9,357$8,098$6,987$6,012$5,159$3,224
15 years$8,643$7,398$6,309$5,361$4,543$2,725
16 years$8,019$6,788$5,720$4,800$4,015$2,311
17 years$7,469$6,251$5,205$4,313$3,560$1,964
18 years$6,980$5,776$4,751$3,887$3,165$1,673
19 years$6,544$5,353$4,349$3,512$2,821$1,428
20 years$6,152$4,975$3,992$3,181$2,520$1,220
21 years$5,797$4,634$3,672$2,887$2,255$1,044
22 years$5,475$4,325$3,384$2,625$2,021$894
23 years$5,182$4,045$3,124$2,391$1,815$767
24 years$4,913$3,790$2,890$2,180$1,631$658
25 years$4,666$3,557$2,676$1,991$1,468$565
26 years$4,439$3,343$2,482$1,821$1,322$485
27 years$4,229$3,146$2,305$1,666$1,192$417
28 years$4,034$2,965$2,143$1,527$1,075$359
29 years$3,853$2,797$1,994$1,400$971$309
30 years$3,684$2,641$1,857$1,285$877$265
31 years$3,527$2,497$1,732$1,180$793$228
32 years$3,380$2,363$1,616$1,085$718$197
33 years$3,241$2,237$1,508$997$649$169
34 years$3,112$2,121$1,409$918$588$146
35 years$2,990$2,011$1,318$845$533$126
36 years$2,875$1,909$1,233$778$483$108
37 years$2,766$1,813$1,154$717$437$93
38 years$2,664$1,723$1,080$661$396$80
39 years$2,567$1,639$1,012$609$360$69
40 years$2,475$1,559$949$562$326$60
41 years$2,387$1,484$890$518$296$51
42 years$2,304$1,413$835$478$268$44
43 years$2,226$1,347$783$442$244$38
44 years$2,151$1,284$735$408$221$33
45 years$2,079$1,224$690$377$201$28
46 years$2,011$1,168$648$348$182$24
47 years$1,946$1,114$609$321$166$21
48 years$1,884$1,064$572$297$150$18
49 years$1,824$1,016$538$274$137$16
50 years$1,767$970$506$254$124$13

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 $3,599 every year, while hoping to spend $27,456 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: 75/16/9 Blend
43$1,810,000$1,810,000$1,810,000$1,810,000
44$1,998,332$1,902,402$1,874,347$2,144,939
45$2,172,949$1,966,407$1,907,925$2,306,002
46$2,364,457$2,032,628$1,941,707$2,478,620
47$2,574,549$2,101,144$1,975,672$2,667,003
48$2,805,092$2,172,039$2,009,796$2,872,705
49$3,058,140$2,245,397$2,044,052$3,097,436
50$3,335,957$2,321,309$2,078,415$3,343,080
51$3,641,037$2,399,865$2,112,854$3,611,711
52$3,976,126$2,481,162$2,147,339$3,905,612
53$4,344,252$2,565,300$2,181,835$4,227,298
54$4,748,747$2,652,381$2,216,308$4,579,538
55$5,193,283$2,742,512$2,250,719$4,965,382
56$5,681,908$2,835,805$2,285,028$5,388,190
57$6,219,078$2,932,375$2,319,192$5,851,660
58$6,809,705$3,032,342$2,353,165$6,359,868
59$7,459,198$3,135,830$2,386,899$6,917,302
60$8,173,519$3,242,968$2,420,343$7,528,905
61$8,959,235$3,353,891$2,453,442$8,200,123
62$9,823,583$3,468,738$2,486,139$8,936,956
63$10,774,536$3,587,653$2,518,371$9,746,011
64$11,820,877$3,710,787$2,550,075$10,634,569
65$12,972,286$3,838,295$2,581,183$11,610,648
66$14,239,428$3,970,340$2,611,621$12,683,084
67$15,634,054$4,107,091$2,641,314$13,861,610
68$17,169,111$4,248,722$2,670,182$15,156,950
69$18,858,865$4,395,414$2,698,138$16,580,918
70$20,719,038$4,547,358$2,725,094$18,146,529
71$22,766,950$4,704,749$2,750,955$19,868,125
72$25,021,688$4,867,791$2,775,621$21,761,505
73$27,504,283$5,036,696$2,798,987$23,844,078
74$30,237,911$5,211,684$2,820,944$26,135,025
75$33,248,106$5,392,985$2,841,374$28,655,479
76$36,563,008$5,580,836$2,860,155$31,428,725
77$40,213,622$5,775,485$2,877,158$34,480,420
78$44,234,118$5,977,189$2,892,248$37,838,834
79$48,662,142$6,186,217$2,905,284$41,535,115
80$53,539,184$6,402,845$2,916,114$45,603,588
81$58,910,960$6,627,363$2,924,583$50,082,069
82$64,827,846$6,860,072$2,930,525$55,012,232
83$71,345,356$7,101,285$2,933,766$60,439,993
84$78,524,661$7,351,327$2,934,127$66,415,951
85$86,433,171$7,610,536$2,931,414$72,995,857
86$95,145,168$7,879,265$2,925,430$80,241,147
87$104,742,506$8,157,880$2,915,962$88,219,516
88$115,315,387$8,446,762$2,902,793$97,005,559
89$126,963,210$8,746,307$2,885,690$106,681,474
90$139,795,509$9,056,928$2,864,413$117,337,840
91$153,932,988$9,379,054$2,838,707$129,074,465
92$169,508,656$9,713,132$2,808,308$142,001,334
93$186,669,090$10,059,626$2,772,937$156,239,644
94$205,575,811$10,419,021$2,732,303$171,922,946
95$226,406,811$10,791,820$2,686,103$189,198,408
96$249,358,234$11,178,548$2,634,016$208,228,202
97$274,646,227$11,579,750$2,575,709$229,191,033
98$302,508,980$11,995,995$2,510,832$252,283,829
99$333,208,971$12,427,874$2,439,021$277,723,595
100$367,035,450$12,876,004$2,359,892$305,749,463