Can I retire at age 44 with 1,830,000?

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 $1,830,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$151,120$149,774$148,460$147,178$145,927$140,359
2 years$74,812$73,418$72,068$70,759$69,489$63,945
3 years$49,379$47,980$46,633$45,336$44,087$38,741
4 years$36,665$35,270$33,937$32,662$31,443$26,336
5 years$29,039$27,652$26,336$25,088$23,902$19,048
6 years$23,956$22,580$21,284$20,063$18,913$14,314
7 years$20,327$18,963$17,687$16,495$15,381$11,036
8 years$17,607$16,255$15,000$13,837$12,760$8,665
9 years$15,492$14,153$12,919$11,786$10,746$6,895
10 years$13,801$12,475$11,263$10,160$9,156$5,542
11 years$12,419$11,106$9,916$8,842$7,875$4,489
12 years$11,267$9,968$8,800$7,756$6,824$3,659
13 years$10,294$9,008$7,862$6,847$5,951$2,996
14 years$9,460$8,188$7,064$6,078$5,216$2,464
15 years$8,739$7,480$6,378$5,421$4,593$2,032
16 years$8,108$6,863$5,783$4,853$4,059$1,680
17 years$7,551$6,320$5,262$4,361$3,599$1,392
18 years$7,058$5,840$4,804$3,930$3,200$1,155
19 years$6,616$5,413$4,398$3,551$2,852$960
20 years$6,220$5,030$4,036$3,216$2,548$799
21 years$5,861$4,685$3,712$2,919$2,280$665
22 years$5,536$4,373$3,421$2,654$2,044$554
23 years$5,239$4,090$3,159$2,417$1,835$462
24 years$4,967$3,832$2,922$2,204$1,649$386
25 years$4,718$3,596$2,706$2,013$1,484$322
26 years$4,488$3,380$2,510$1,841$1,337$269
27 years$4,276$3,181$2,330$1,685$1,205$225
28 years$4,079$2,997$2,166$1,544$1,087$188
29 years$3,896$2,828$2,016$1,416$982$157
30 years$3,725$2,670$1,878$1,299$887$131
31 years$3,566$2,524$1,751$1,193$802$110
32 years$3,417$2,389$1,633$1,097$726$92
33 years$3,277$2,262$1,525$1,008$657$77
34 years$3,146$2,144$1,425$928$594$64
35 years$3,023$2,034$1,332$854$538$54
36 years$2,906$1,930$1,246$787$488$45
37 years$2,797$1,833$1,167$725$442$38
38 years$2,693$1,742$1,092$668$401$31
39 years$2,595$1,657$1,023$616$364$26
40 years$2,502$1,576$959$568$330$22
41 years$2,414$1,500$899$524$299$18
42 years$2,330$1,429$844$484$271$15
43 years$2,250$1,361$792$447$246$13
44 years$2,174$1,298$743$412$224$11
45 years$2,102$1,237$698$381$203$9
46 years$2,033$1,181$655$352$184$8
47 years$1,967$1,127$616$325$167$6
48 years$1,904$1,075$579$300$152$5
49 years$1,844$1,027$544$278$138$4
50 years$1,787$981$511$257$125$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,830,000, adding $3,615 every year, while hoping to spend $28,883 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: 81/11/8 Blend
43$1,830,000$1,830,000$1,830,000$1,830,000
44$2,020,389$1,923,399$1,895,034$2,181,724
45$2,195,737$1,986,914$1,927,786$2,351,405
46$2,388,003$2,052,574$1,960,668$2,533,409
47$2,598,882$2,120,452$1,993,652$2,732,293
48$2,830,240$2,190,626$2,026,712$2,949,732
49$3,084,134$2,263,177$2,059,816$3,187,568
50$3,362,829$2,338,186$2,092,934$3,447,830
51$3,668,821$2,415,741$2,126,031$3,732,753
52$4,004,859$2,495,929$2,159,070$4,044,797
53$4,373,969$2,578,845$2,192,014$4,386,672
54$4,779,488$2,664,582$2,224,820$4,761,365
55$5,225,090$2,753,241$2,257,446$5,172,162
56$5,714,823$2,844,924$2,289,845$5,622,686
57$6,253,148$2,939,738$2,321,967$6,116,925
58$6,844,977$3,037,793$2,353,761$6,659,274
59$7,495,724$3,139,204$2,385,172$7,254,574
60$8,211,353$3,244,090$2,416,140$7,908,158
61$8,998,435$3,352,574$2,446,604$8,625,899
62$9,864,208$3,464,784$2,476,499$9,414,270
63$10,816,651$3,580,852$2,505,755$10,280,400
64$11,864,551$3,700,915$2,534,300$11,232,144
65$13,017,592$3,825,117$2,562,055$12,278,156
66$14,286,443$3,953,604$2,588,941$13,427,971
67$15,682,860$4,086,531$2,614,870$14,692,091
68$17,219,797$4,224,056$2,639,753$16,082,091
69$18,911,526$4,366,344$2,663,494$17,610,723
70$20,773,773$4,513,566$2,685,993$19,292,035
71$22,823,867$4,665,900$2,707,143$21,141,507
72$25,080,903$4,823,531$2,726,834$23,176,196
73$27,565,920$4,986,649$2,744,948$25,414,895
74$30,302,101$5,155,453$2,761,361$27,878,310
75$33,314,994$5,330,148$2,775,945$30,589,258
76$36,632,748$5,510,949$2,788,563$33,572,879
77$40,286,380$5,698,078$2,799,072$36,856,876
78$44,310,071$5,891,764$2,807,322$40,471,771
79$48,741,485$6,092,247$2,813,154$44,451,200
80$53,622,124$6,299,775$2,816,402$48,832,224
81$58,997,722$6,514,606$2,816,893$53,655,680
82$64,918,675$6,737,006$2,814,444$58,966,569
83$71,440,515$6,967,255$2,808,863$64,814,478
84$78,624,438$7,205,640$2,799,950$71,254,046
85$86,537,875$7,452,461$2,787,493$78,345,484
86$95,255,136$7,708,030$2,771,272$86,155,138
87$104,858,106$7,972,669$2,751,055$94,756,119
88$115,437,016$8,246,714$2,726,599$104,228,989
89$127,091,303$8,530,513$2,697,651$114,662,525
90$139,930,537$8,824,430$2,663,944$126,154,555
91$154,075,465$9,128,840$2,625,199$138,812,877
92$169,659,144$9,444,135$2,581,125$152,756,284
93$186,828,200$9,770,720$2,531,416$168,115,678
94$205,744,210$10,109,019$2,475,752$185,035,310
95$226,585,228$10,459,470$2,413,798$203,674,137
96$249,547,465$10,822,528$2,345,205$224,207,326
97$274,847,144$11,198,669$2,269,606$246,827,904
98$302,722,533$11,588,384$2,186,618$271,748,582
99$333,436,203$11,992,187$2,095,841$299,203,762
100$367,277,500$12,410,608$1,996,857$329,451,747