Can I retire at age 44 with 1,870,000?

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 $1,870,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.7%
1 years$154,423$153,047$151,705$150,395$149,116$148,053
2 years$76,447$75,023$73,643$72,306$71,008$69,935
3 years$50,458$49,028$47,652$46,327$45,050$44,002
4 years$37,467$36,041$34,679$33,376$32,130$31,114
5 years$29,674$28,257$26,912$25,636$24,425$23,444
6 years$24,480$23,074$21,749$20,501$19,327$18,383
7 years$20,772$19,377$18,073$16,855$15,718$14,811
8 years$17,992$16,610$15,328$14,139$13,039$12,170
9 years$15,831$14,462$13,202$12,044$10,981$10,148
10 years$14,103$12,747$11,510$10,382$9,356$8,560
11 years$12,690$11,348$10,133$9,035$8,047$7,286
12 years$11,514$10,186$8,993$7,925$6,973$6,248
13 years$10,519$9,205$8,034$6,997$6,081$5,390
14 years$9,667$8,367$7,219$6,211$5,330$4,673
15 years$8,930$7,643$6,518$5,539$4,693$4,068
16 years$8,285$7,013$5,909$4,960$4,148$3,555
17 years$7,716$6,458$5,377$4,456$3,678$3,115
18 years$7,212$5,968$4,909$4,016$3,270$2,738
19 years$6,761$5,531$4,494$3,629$2,915$2,411
20 years$6,356$5,140$4,124$3,286$2,604$2,127
21 years$5,989$4,787$3,793$2,983$2,330$1,880
22 years$5,657$4,469$3,496$2,712$2,088$1,664
23 years$5,354$4,180$3,228$2,470$1,875$1,475
24 years$5,076$3,916$2,985$2,253$1,685$1,309
25 years$4,821$3,675$2,765$2,057$1,516$1,163
26 years$4,586$3,454$2,564$1,881$1,366$1,034
27 years$4,369$3,251$2,381$1,722$1,231$920
28 years$4,168$3,063$2,214$1,577$1,111$819
29 years$3,981$2,890$2,060$1,447$1,003$729
30 years$3,807$2,729$1,919$1,328$907$650
31 years$3,644$2,580$1,789$1,219$820$580
32 years$3,492$2,441$1,669$1,121$741$517
33 years$3,349$2,312$1,558$1,030$671$462
34 years$3,215$2,191$1,456$948$607$412
35 years$3,089$2,078$1,361$873$550$368
36 years$2,970$1,972$1,274$804$499$329
37 years$2,858$1,873$1,192$741$452$294
38 years$2,752$1,780$1,116$683$410$262
39 years$2,652$1,693$1,046$629$371$235
40 years$2,557$1,611$980$581$337$210
41 years$2,466$1,533$919$536$306$188
42 years$2,381$1,460$862$494$277$168
43 years$2,299$1,391$809$456$252$150
44 years$2,222$1,326$759$421$228$134
45 years$2,148$1,265$713$389$207$120
46 years$2,078$1,206$670$359$188$107
47 years$2,010$1,151$629$332$171$96
48 years$1,946$1,099$591$307$155$86
49 years$1,885$1,049$556$284$141$77
50 years$1,826$1,002$523$262$128$69

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,870,000, adding $2,710 every year, while hoping to spend $40,996 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: 48/23/29 Blend
43$1,870,000$1,870,000$1,870,000$1,870,000
44$2,063,535$1,964,425$1,935,440$2,145,370
45$2,230,397$2,017,063$1,956,658$2,255,938
46$2,412,904$2,070,905$1,977,213$2,371,724
47$2,612,609$2,125,969$1,997,039$2,496,687
48$2,831,222$2,182,269$2,016,067$2,631,713
49$3,070,626$2,239,819$2,034,224$2,777,781
50$3,332,894$2,298,634$2,051,435$2,935,968
51$3,620,309$2,358,727$2,067,617$3,107,459
52$3,935,385$2,420,109$2,082,687$3,293,564
53$4,280,891$2,482,791$2,096,554$3,495,722
54$4,659,878$2,546,784$2,109,125$3,715,521
55$5,075,706$2,612,097$2,120,300$3,954,712
56$5,532,074$2,678,735$2,129,976$4,215,221
57$6,033,059$2,746,707$2,138,044$4,499,175
58$6,583,151$2,816,016$2,144,389$4,808,915
59$7,187,296$2,886,664$2,148,889$5,147,022
60$7,850,943$2,958,653$2,151,420$5,516,340
61$8,580,093$3,031,982$2,151,847$5,920,005
62$9,381,361$3,106,647$2,150,032$6,361,471
63$10,262,030$3,182,643$2,145,828$6,844,548
64$11,230,125$3,259,961$2,139,082$7,373,433
65$12,294,490$3,338,591$2,129,633$7,952,751
66$13,464,865$3,418,519$2,117,313$8,587,603
67$14,751,983$3,499,728$2,101,944$9,283,608
68$16,167,668$3,582,197$2,083,342$10,046,962
69$17,724,949$3,665,904$2,061,313$10,884,491
70$19,438,181$3,750,820$2,035,654$11,803,721
71$21,323,179$3,836,914$2,006,152$12,812,948
72$23,397,369$3,924,148$1,972,584$13,921,313
73$25,679,952$4,012,483$1,934,717$15,138,893
74$28,192,084$4,101,872$1,892,307$16,476,796
75$30,957,076$4,192,263$1,845,099$17,947,262
76$34,000,613$4,283,600$1,792,825$19,563,785
77$37,350,998$4,375,818$1,735,207$21,341,236
78$41,039,415$4,468,848$1,671,951$23,296,007
79$45,100,227$4,562,613$1,602,753$25,446,164
80$49,571,297$4,657,029$1,527,293$27,811,621
81$54,494,349$4,752,002$1,445,236$30,414,323
82$59,915,355$4,847,433$1,356,234$33,278,462
83$65,884,975$4,943,211$1,259,922$36,430,697
84$72,459,031$5,039,218$1,155,918$39,900,414
85$79,699,036$5,135,323$1,043,825$43,720,000
86$87,672,770$5,231,386$923,226$47,925,151
87$96,454,925$5,327,256$793,686$52,555,208
88$106,127,805$5,422,769$654,752$57,653,532
89$116,782,105$5,517,749$505,950$63,267,912
90$128,517,765$5,612,004$346,785$69,451,020
91$141,444,915$5,705,330$176,740$76,260,905
92$155,684,911$5,797,506$0$83,761,546
93$171,371,485$5,888,297$0$92,024,918
94$188,652,001$5,977,448$0$101,185,731
95$207,688,849$6,064,687$0$111,275,067
96$228,660,977$6,149,722$0$122,387,512
97$251,765,580$6,232,242$0$134,627,297
98$277,219,960$6,311,912$0$148,109,284
99$305,263,577$6,388,377$0$162,960,051
100$336,160,309$6,461,255$0$179,319,084