Can I retire at age 44 with 1,850,000?

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 $1,850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$152,771$151,410$150,083$148,787$147,522$146,653
2 years$75,629$74,221$72,856$71,532$70,248$69,372
3 years$49,919$48,504$47,142$45,831$44,568$43,712
4 years$37,066$35,656$34,308$33,019$31,787$30,956
5 years$29,356$27,954$26,624$25,362$24,164$23,362
6 years$24,218$22,827$21,516$20,282$19,120$18,347
7 years$20,550$19,170$17,880$16,675$15,550$14,807
8 years$17,799$16,432$15,164$13,988$12,900$12,187
9 years$15,661$14,307$13,061$11,915$10,864$10,181
10 years$13,952$12,611$11,386$10,271$9,256$8,603
11 years$12,554$11,227$10,024$8,939$7,961$7,336
12 years$11,391$10,077$8,896$7,840$6,899$6,302
13 years$10,407$9,106$7,948$6,922$6,016$5,447
14 years$9,564$8,277$7,142$6,144$5,273$4,732
15 years$8,834$7,562$6,448$5,480$4,643$4,128
16 years$8,196$6,938$5,846$4,907$4,104$3,614
17 years$7,634$6,389$5,320$4,408$3,638$3,174
18 years$7,135$5,904$4,856$3,973$3,235$2,795
19 years$6,689$5,472$4,446$3,590$2,884$2,467
20 years$6,288$5,085$4,080$3,251$2,576$2,182
21 years$5,925$4,736$3,753$2,951$2,305$1,932
22 years$5,596$4,421$3,459$2,683$2,066$1,714
23 years$5,296$4,135$3,194$2,443$1,855$1,523
24 years$5,022$3,874$2,953$2,229$1,667$1,355
25 years$4,770$3,636$2,736$2,035$1,500$1,206
26 years$4,537$3,417$2,537$1,861$1,351$1,075
27 years$4,322$3,216$2,356$1,703$1,218$958
28 years$4,123$3,030$2,190$1,561$1,099$855
29 years$3,938$2,859$2,038$1,431$993$764
30 years$3,766$2,700$1,898$1,313$897$682
31 years$3,605$2,552$1,770$1,206$811$610
32 years$3,454$2,415$1,651$1,109$733$546
33 years$3,313$2,287$1,542$1,019$664$488
34 years$3,180$2,167$1,441$938$601$437
35 years$3,056$2,056$1,347$863$544$391
36 years$2,938$1,951$1,260$795$493$350
37 years$2,827$1,853$1,179$733$447$314
38 years$2,722$1,761$1,104$675$405$281
39 years$2,623$1,675$1,035$623$367$252
40 years$2,529$1,593$970$574$333$226
41 years$2,440$1,517$909$530$302$202
42 years$2,355$1,444$853$489$274$181
43 years$2,275$1,376$800$451$249$163
44 years$2,198$1,312$751$417$226$146
45 years$2,125$1,251$705$385$205$131
46 years$2,055$1,193$663$356$186$117
47 years$1,989$1,139$622$329$169$105
48 years$1,925$1,087$585$304$154$94
49 years$1,864$1,038$550$281$140$85
50 years$1,806$992$517$259$127$76

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,850,000, adding $4,207 every year, while hoping to spend $26,590 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: 37/46/17 Blend
43$1,850,000$1,850,000$1,850,000$1,850,000
44$2,043,040$1,944,990$1,916,315$2,107,965
45$2,223,138$2,012,002$1,952,220$2,222,196
46$2,420,715$2,081,408$1,988,436$2,342,669
47$2,637,526$2,153,295$2,024,947$2,472,235
48$2,875,504$2,227,756$2,061,732$2,611,724
49$3,136,777$2,304,888$2,098,772$2,762,047
50$3,423,691$2,384,790$2,136,044$2,924,204
51$3,738,830$2,467,567$2,173,523$3,099,296
52$4,085,039$2,553,326$2,211,185$3,288,529
53$4,465,454$2,642,181$2,249,001$3,493,233
54$4,883,530$2,734,247$2,286,942$3,714,866
55$5,343,071$2,829,646$2,324,976$3,955,033
56$5,848,270$2,928,505$2,363,068$4,215,499
57$6,403,746$3,030,954$2,401,183$4,498,204
58$7,014,588$3,137,130$2,439,283$4,805,282
59$7,686,401$3,247,175$2,477,324$5,139,080
60$8,425,364$3,361,237$2,515,265$5,502,181
61$9,238,282$3,479,468$2,553,057$5,897,425
62$10,132,654$3,602,029$2,590,651$6,327,939
63$11,116,742$3,729,086$2,627,995$6,797,161
64$12,199,650$3,860,811$2,665,033$7,308,879
65$13,391,407$3,997,384$2,701,705$7,867,257
66$14,703,067$4,138,992$2,737,948$8,476,882
67$16,146,807$4,285,829$2,773,696$9,142,800
68$17,736,045$4,438,099$2,808,879$9,870,570
69$19,485,566$4,596,011$2,843,421$10,666,308
70$21,411,663$4,759,784$2,877,245$11,536,748
71$23,532,286$4,929,647$2,910,266$12,489,306
72$25,867,217$5,105,838$2,942,398$13,532,147
73$28,438,253$5,288,603$2,973,547$14,674,261
74$31,269,410$5,478,200$3,003,616$15,925,548
75$34,387,154$5,674,896$3,032,502$17,296,911
76$37,820,648$5,878,971$3,060,096$18,800,355
77$41,602,029$6,090,715$3,086,283$20,449,105
78$45,766,705$6,310,429$3,110,943$22,257,722
79$50,353,699$6,538,430$3,133,950$24,242,249
80$55,406,008$6,775,045$3,155,169$26,420,350
81$60,971,014$7,020,615$3,174,460$28,811,486
82$67,100,928$7,275,496$3,191,675$31,437,092
83$73,853,287$7,540,059$3,206,660$34,320,779
84$81,291,489$7,814,690$3,219,251$37,488,555
85$89,485,402$8,099,790$3,229,276$40,969,072
86$98,512,012$8,395,779$3,236,556$44,793,890
87$108,456,158$8,703,092$3,240,901$48,997,781
88$119,411,328$9,022,186$3,242,113$53,619,047
89$131,480,544$9,353,534$3,239,984$58,699,886
90$144,777,331$9,697,629$3,234,296$64,286,789
91$159,426,793$10,054,987$3,224,819$70,430,972
92$175,566,788$10,426,143$3,211,313$77,188,863
93$193,349,234$10,811,658$3,193,526$84,622,632
94$212,941,541$11,212,115$3,171,194$92,800,772
95$234,528,190$11,628,120$3,144,040$101,798,749
96$258,312,475$12,060,307$3,111,775$111,699,710
97$284,518,423$12,509,338$3,074,095$122,595,264
98$313,392,907$12,975,901$3,030,683$134,586,349
99$345,207,977$13,460,713$2,981,204$147,784,179
100$380,263,428$13,964,525$2,925,311$162,311,291