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%16.1%
1 years$152,771$151,410$150,083$148,787$147,522$143,839
2 years$75,629$74,221$72,856$71,532$70,248$66,561
3 years$49,919$48,504$47,142$45,831$44,568$40,992
4 years$37,066$35,656$34,308$33,019$31,787$28,349
5 years$29,356$27,954$26,624$25,362$24,164$20,874
6 years$24,218$22,827$21,516$20,282$19,120$15,982
7 years$20,550$19,170$17,880$16,675$15,550$12,563
8 years$17,799$16,432$15,164$13,988$12,900$10,064
9 years$15,661$14,307$13,061$11,915$10,864$8,176
10 years$13,952$12,611$11,386$10,271$9,256$6,713
11 years$12,554$11,227$10,024$8,939$7,961$5,559
12 years$11,391$10,077$8,896$7,840$6,899$4,634
13 years$10,407$9,106$7,948$6,922$6,016$3,883
14 years$9,564$8,277$7,142$6,144$5,273$3,269
15 years$8,834$7,562$6,448$5,480$4,643$2,761
16 years$8,196$6,938$5,846$4,907$4,104$2,340
17 years$7,634$6,389$5,320$4,408$3,638$1,988
18 years$7,135$5,904$4,856$3,973$3,235$1,692
19 years$6,689$5,472$4,446$3,590$2,884$1,443
20 years$6,288$5,085$4,080$3,251$2,576$1,232
21 years$5,925$4,736$3,753$2,951$2,305$1,053
22 years$5,596$4,421$3,459$2,683$2,066$902
23 years$5,296$4,135$3,194$2,443$1,855$772
24 years$5,022$3,874$2,953$2,229$1,667$662
25 years$4,770$3,636$2,736$2,035$1,500$568
26 years$4,537$3,417$2,537$1,861$1,351$488
27 years$4,322$3,216$2,356$1,703$1,218$419
28 years$4,123$3,030$2,190$1,561$1,099$360
29 years$3,938$2,859$2,038$1,431$993$309
30 years$3,766$2,700$1,898$1,313$897$266
31 years$3,605$2,552$1,770$1,206$811$229
32 years$3,454$2,415$1,651$1,109$733$197
33 years$3,313$2,287$1,542$1,019$664$169
34 years$3,180$2,167$1,441$938$601$146
35 years$3,056$2,056$1,347$863$544$125
36 years$2,938$1,951$1,260$795$493$108
37 years$2,827$1,853$1,179$733$447$93
38 years$2,722$1,761$1,104$675$405$80
39 years$2,623$1,675$1,035$623$367$69
40 years$2,529$1,593$970$574$333$59
41 years$2,440$1,517$909$530$302$51
42 years$2,355$1,444$853$489$274$44
43 years$2,275$1,376$800$451$249$38
44 years$2,198$1,312$751$417$226$33
45 years$2,125$1,251$705$385$205$28
46 years$2,055$1,193$663$356$186$24
47 years$1,989$1,139$622$329$169$21
48 years$1,925$1,087$585$304$154$18
49 years$1,864$1,038$550$281$140$15
50 years$1,806$992$517$259$127$13

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 $2,258 every year, while hoping to spend $38,460 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: 60/14/26 Blend
43$1,850,000$1,850,000$1,850,000$1,850,000
44$2,041,029$1,942,979$1,914,304$2,149,088
45$2,208,293$1,997,264$1,937,512$2,277,212
46$2,391,329$2,052,920$1,960,209$2,412,606
47$2,591,704$2,109,973$1,982,336$2,559,522
48$2,811,147$2,168,450$2,003,833$2,719,087
49$3,051,558$2,228,379$2,024,635$2,892,546
50$3,315,032$2,289,784$2,044,675$3,081,270
51$3,603,874$2,352,693$2,063,881$3,286,768
52$3,920,626$2,417,132$2,082,178$3,510,704
53$4,268,086$2,483,126$2,099,487$3,754,909
54$4,649,334$2,550,703$2,115,723$4,021,404
55$5,067,765$2,619,886$2,130,799$4,312,413
56$5,527,119$2,690,702$2,144,622$4,630,387
57$6,031,513$2,763,175$2,157,095$4,978,027
58$6,585,486$2,837,329$2,168,116$5,358,309
59$7,194,034$2,913,187$2,177,577$5,774,512
60$7,862,665$2,990,773$2,185,365$6,230,251
61$8,597,443$3,070,107$2,191,362$6,729,506
62$9,405,052$3,151,212$2,195,442$7,276,667
63$10,292,853$3,234,107$2,197,474$7,876,569
64$11,268,957$3,318,811$2,197,323$8,534,540
65$12,342,300$3,405,342$2,194,842$9,256,454
66$13,522,726$3,493,716$2,189,882$10,048,782
67$14,821,084$3,583,948$2,182,283$10,918,656
68$16,249,325$3,676,051$2,171,879$11,873,935
69$17,820,615$3,770,037$2,158,496$12,923,281
70$19,549,463$3,865,914$2,141,951$14,076,238
71$21,451,855$3,963,691$2,122,053$15,343,327
72$23,545,404$4,063,371$2,098,602$16,736,141
73$25,849,517$4,164,958$2,071,387$18,267,455
74$28,385,578$4,268,451$2,040,188$19,951,350
75$31,177,148$4,373,846$2,004,775$21,803,342
76$34,250,190$4,481,137$1,964,908$23,840,532
77$37,633,311$4,590,315$1,920,334$26,081,767
78$41,358,032$4,701,364$1,870,789$28,547,815
79$45,459,089$4,814,268$1,815,998$31,261,567
80$49,974,752$4,929,004$1,755,670$34,248,248
81$54,947,197$5,045,545$1,689,505$37,535,657
82$60,422,895$5,163,860$1,617,187$41,154,434
83$66,453,052$5,283,911$1,538,385$45,138,342
84$73,094,097$5,405,657$1,452,755$49,524,592
85$80,408,208$5,529,047$1,359,935$54,354,193
86$88,463,901$5,654,026$1,259,549$59,672,339
87$97,336,678$5,780,532$1,151,202$65,528,837
88$107,109,736$5,908,495$1,034,484$71,978,576
89$117,874,754$6,037,836$908,965$79,082,048
90$129,732,759$6,168,470$774,195$86,905,919
91$142,795,075$6,300,300$629,706$95,523,658
92$157,184,380$6,433,222$475,008$105,016,230
93$173,035,856$6,567,119$309,590$115,472,866
94$190,498,471$6,701,866$132,919$126,991,901
95$209,736,381$6,837,323$0$139,681,706
96$230,930,480$6,973,340$0$153,677,140
97$254,280,109$7,109,753$0$169,134,745
98$280,004,933$7,246,384$0$186,162,823
99$308,347,019$7,383,040$0$204,921,399
100$339,573,118$7,519,512$0$225,586,818