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%15.2%
1 years$152,771$151,410$150,083$148,787$147,522$144,366
2 years$75,629$74,221$72,856$71,532$70,248$67,085
3 years$49,919$48,504$47,142$45,831$44,568$41,495
4 years$37,066$35,656$34,308$33,019$31,787$28,827
5 years$29,356$27,954$26,624$25,362$24,164$21,327
6 years$24,218$22,827$21,516$20,282$19,120$16,409
7 years$20,550$19,170$17,880$16,675$15,550$12,965
8 years$17,799$16,432$15,164$13,988$12,900$10,440
9 years$15,661$14,307$13,061$11,915$10,864$8,527
10 years$13,952$12,611$11,386$10,271$9,256$7,041
11 years$12,554$11,227$10,024$8,939$7,961$5,864
12 years$11,391$10,077$8,896$7,840$6,899$4,917
13 years$10,407$9,106$7,948$6,922$6,016$4,146
14 years$9,564$8,277$7,142$6,144$5,273$3,511
15 years$8,834$7,562$6,448$5,480$4,643$2,985
16 years$8,196$6,938$5,846$4,907$4,104$2,545
17 years$7,634$6,389$5,320$4,408$3,638$2,176
18 years$7,135$5,904$4,856$3,973$3,235$1,865
19 years$6,689$5,472$4,446$3,590$2,884$1,601
20 years$6,288$5,085$4,080$3,251$2,576$1,376
21 years$5,925$4,736$3,753$2,951$2,305$1,185
22 years$5,596$4,421$3,459$2,683$2,066$1,021
23 years$5,296$4,135$3,194$2,443$1,855$881
24 years$5,022$3,874$2,953$2,229$1,667$761
25 years$4,770$3,636$2,736$2,035$1,500$657
26 years$4,537$3,417$2,537$1,861$1,351$568
27 years$4,322$3,216$2,356$1,703$1,218$492
28 years$4,123$3,030$2,190$1,561$1,099$426
29 years$3,938$2,859$2,038$1,431$993$368
30 years$3,766$2,700$1,898$1,313$897$319
31 years$3,605$2,552$1,770$1,206$811$277
32 years$3,454$2,415$1,651$1,109$733$240
33 years$3,313$2,287$1,542$1,019$664$208
34 years$3,180$2,167$1,441$938$601$180
35 years$3,056$2,056$1,347$863$544$156
36 years$2,938$1,951$1,260$795$493$135
37 years$2,827$1,853$1,179$733$447$117
38 years$2,722$1,761$1,104$675$405$102
39 years$2,623$1,675$1,035$623$367$88
40 years$2,529$1,593$970$574$333$77
41 years$2,440$1,517$909$530$302$67
42 years$2,355$1,444$853$489$274$58
43 years$2,275$1,376$800$451$249$50
44 years$2,198$1,312$751$417$226$43
45 years$2,125$1,251$705$385$205$38
46 years$2,055$1,193$663$356$186$33
47 years$1,989$1,139$622$329$169$28
48 years$1,925$1,087$585$304$154$25
49 years$1,864$1,038$550$281$140$21
50 years$1,806$992$517$259$127$19

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 $6,178 every year, while hoping to spend $21,919 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: 23/47/30 Blend
43$1,850,000$1,850,000$1,850,000$1,850,000
44$2,045,073$1,947,023$1,918,348$2,072,708
45$2,230,348$2,019,105$1,959,291$2,169,580
46$2,433,788$2,093,985$2,000,871$2,270,995
47$2,657,220$2,171,776$2,043,086$2,379,111
48$2,902,661$2,252,597$2,085,933$2,494,497
49$3,172,330$2,336,573$2,129,410$2,617,776
50$3,468,674$2,423,831$2,173,512$2,749,629
51$3,794,387$2,514,508$2,218,233$2,890,804
52$4,152,439$2,608,742$2,263,567$3,042,123
53$4,546,098$2,706,681$2,309,508$3,204,482
54$4,978,970$2,808,478$2,356,046$3,378,869
55$5,455,023$2,914,292$2,403,171$3,566,365
56$5,978,631$3,024,288$2,450,874$3,768,157
57$6,554,615$3,138,642$2,499,142$3,985,549
58$7,188,283$3,257,532$2,547,960$4,219,972
59$7,885,486$3,381,149$2,597,315$4,472,996
60$8,652,669$3,509,689$2,647,188$4,746,348
61$9,496,935$3,643,358$2,697,563$5,041,923
62$10,426,110$3,782,370$2,748,419$5,361,805
63$11,448,816$3,926,949$2,799,734$5,708,282
64$12,574,554$4,077,328$2,851,484$6,083,871
65$13,813,793$4,233,752$2,903,643$6,491,337
66$15,178,069$4,396,474$2,956,183$6,933,721
67$16,680,091$4,565,761$3,009,075$7,414,366
68$18,333,866$4,741,889$3,062,285$7,936,948
69$20,154,828$4,925,149$3,115,779$8,505,512
70$22,159,980$5,115,842$3,169,518$9,124,504
71$24,368,064$5,314,283$3,223,462$9,798,818
72$26,799,726$5,520,803$3,277,568$10,533,836
73$29,477,721$5,735,745$3,331,789$11,335,481
74$32,427,120$5,959,468$3,386,076$12,210,269
75$35,675,553$6,192,348$3,440,375$13,165,371
76$39,253,463$6,434,777$3,494,631$14,208,680
77$43,194,398$6,687,163$3,548,783$15,348,882
78$47,535,327$6,949,934$3,602,768$16,595,538
79$52,316,986$7,223,537$3,656,516$17,959,171
80$57,584,265$7,508,437$3,709,957$19,451,369
81$63,386,632$7,805,122$3,763,012$21,084,884
82$69,778,597$8,114,102$3,815,601$22,873,760
83$76,820,228$8,435,906$3,867,638$24,833,456
84$84,577,717$8,771,092$3,919,030$26,980,995
85$93,124,009$9,120,240$3,969,682$29,335,122
86$102,539,482$9,483,956$4,019,490$31,916,477
87$112,912,713$9,862,874$4,068,347$34,747,791
88$124,341,311$10,257,656$4,116,138$37,854,093
89$136,932,838$10,668,995$4,162,742$41,262,951
90$150,805,826$11,097,614$4,208,033$45,004,726
91$166,090,892$11,544,269$4,251,874$49,112,854
92$182,931,976$12,009,751$4,294,124$53,624,164
93$201,487,694$12,494,885$4,334,634$58,579,220
94$221,932,840$13,000,536$4,373,246$64,022,704
95$244,460,034$13,527,606$4,409,793$70,003,829
96$269,281,537$14,077,038$4,444,101$76,576,807
97$296,631,261$14,649,820$4,475,985$83,801,354
98$326,766,971$15,246,983$4,505,253$91,743,253
99$359,972,723$15,869,606$4,531,699$100,474,970
100$396,561,540$16,518,816$4,555,111$110,076,332