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

Use the below retirement simulation to view the chances of a successful retirement.
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%15.6%
1 years$154,423$153,047$151,705$150,395$149,116$145,689
2 years$76,447$75,023$73,643$72,306$71,008$67,574
3 years$50,458$49,028$47,652$46,327$45,050$41,717
4 years$37,467$36,041$34,679$33,376$32,130$28,923
5 years$29,674$28,257$26,912$25,636$24,425$21,353
6 years$24,480$23,074$21,749$20,501$19,327$16,393
7 years$20,772$19,377$18,073$16,855$15,718$12,923
8 years$17,992$16,610$15,328$14,139$13,039$10,382
9 years$15,831$14,462$13,202$12,044$10,981$8,460
10 years$14,103$12,747$11,510$10,382$9,356$6,968
11 years$12,690$11,348$10,133$9,035$8,047$5,788
12 years$11,514$10,186$8,993$7,925$6,973$4,841
13 years$10,519$9,205$8,034$6,997$6,081$4,071
14 years$9,667$8,367$7,219$6,211$5,330$3,438
15 years$8,930$7,643$6,518$5,539$4,693$2,915
16 years$8,285$7,013$5,909$4,960$4,148$2,478
17 years$7,716$6,458$5,377$4,456$3,678$2,113
18 years$7,212$5,968$4,909$4,016$3,270$1,805
19 years$6,761$5,531$4,494$3,629$2,915$1,545
20 years$6,356$5,140$4,124$3,286$2,604$1,324
21 years$5,989$4,787$3,793$2,983$2,330$1,137
22 years$5,657$4,469$3,496$2,712$2,088$977
23 years$5,354$4,180$3,228$2,470$1,875$840
24 years$5,076$3,916$2,985$2,253$1,685$723
25 years$4,821$3,675$2,765$2,057$1,516$623
26 years$4,586$3,454$2,564$1,881$1,366$537
27 years$4,369$3,251$2,381$1,722$1,231$463
28 years$4,168$3,063$2,214$1,577$1,111$399
29 years$3,981$2,890$2,060$1,447$1,003$345
30 years$3,807$2,729$1,919$1,328$907$297
31 years$3,644$2,580$1,789$1,219$820$257
32 years$3,492$2,441$1,669$1,121$741$222
33 years$3,349$2,312$1,558$1,030$671$192
34 years$3,215$2,191$1,456$948$607$166
35 years$3,089$2,078$1,361$873$550$143
36 years$2,970$1,972$1,274$804$499$124
37 years$2,858$1,873$1,192$741$452$107
38 years$2,752$1,780$1,116$683$410$92
39 years$2,652$1,693$1,046$629$371$80
40 years$2,557$1,611$980$581$337$69
41 years$2,466$1,533$919$536$306$60
42 years$2,381$1,460$862$494$277$52
43 years$2,299$1,391$809$456$252$45
44 years$2,222$1,326$759$421$228$39
45 years$2,148$1,265$713$389$207$33
46 years$2,078$1,206$670$359$188$29
47 years$2,010$1,151$629$332$171$25
48 years$1,946$1,099$591$307$155$22
49 years$1,885$1,049$556$284$141$19
50 years$1,826$1,002$523$262$128$16

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 $6,084 every year, while hoping to spend $30,234 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: 29/47/24 Blend
43$1,870,000$1,870,000$1,870,000$1,870,000
44$2,067,016$1,967,906$1,938,921$2,111,363
45$2,245,683$2,032,164$1,971,706$2,210,606
46$2,441,560$2,098,558$2,004,576$2,314,153
47$2,656,372$2,167,160$2,037,502$2,424,856
48$2,892,016$2,238,046$2,070,453$2,543,351
49$3,150,584$2,311,292$2,103,395$2,670,335
50$3,434,379$2,386,981$2,136,294$2,806,577
51$3,745,938$2,465,195$2,169,112$2,952,919
52$4,088,055$2,546,021$2,201,809$3,110,286
53$4,463,809$2,629,548$2,234,342$3,279,697
54$4,876,591$2,715,870$2,266,666$3,462,270
55$5,330,138$2,805,082$2,298,733$3,659,233
56$5,828,564$2,897,283$2,330,493$3,871,940
57$6,376,405$2,992,577$2,361,892$4,101,876
58$6,978,655$3,091,070$2,392,872$4,350,677
59$7,640,819$3,192,873$2,423,374$4,620,141
60$8,368,958$3,298,100$2,453,333$4,912,245
61$9,169,754$3,406,870$2,482,682$5,229,168
62$10,050,568$3,519,304$2,511,350$5,573,304
63$11,019,507$3,635,532$2,539,262$5,947,288
64$12,085,507$3,755,683$2,566,338$6,354,022
65$13,258,412$3,879,896$2,592,494$6,796,698
66$14,549,070$4,008,310$2,617,642$7,278,831
67$15,969,431$4,141,073$2,641,689$7,804,289
68$17,532,665$4,278,337$2,664,537$8,377,331
69$19,253,280$4,420,259$2,686,082$9,002,646
70$21,147,264$4,567,002$2,706,216$9,685,398
71$23,232,235$4,718,735$2,724,824$10,431,271
72$25,527,604$4,875,633$2,741,786$11,246,525
73$28,054,759$5,037,879$2,756,976$12,138,055
74$30,837,269$5,205,659$2,770,259$13,113,452
75$33,901,104$5,379,170$2,781,496$14,181,076
76$37,274,881$5,558,614$2,790,541$15,350,138
77$40,990,133$5,744,200$2,797,238$16,630,780
78$45,081,606$5,936,146$2,801,425$18,034,173
79$49,587,591$6,134,678$2,802,934$19,572,622
80$54,550,277$6,340,029$2,801,584$21,259,683
81$60,016,156$6,552,441$2,797,188$23,110,287
82$66,036,461$6,772,168$2,789,550$25,140,880
83$72,667,644$6,999,468$2,778,465$27,369,584
84$79,971,915$7,234,613$2,763,714$29,816,358
85$88,017,825$7,477,884$2,745,074$32,503,192
86$96,880,914$7,729,572$2,722,305$35,454,312
87$106,644,425$7,989,978$2,695,159$38,696,409
88$117,400,085$8,259,416$2,663,376$42,258,887
89$129,248,978$8,538,212$2,626,684$46,174,142
90$142,302,492$8,826,702$2,584,795$50,477,869
91$156,683,373$9,125,237$2,537,413$55,209,393
92$172,526,883$9,434,180$2,484,222$60,412,043
93$189,982,078$9,753,908$2,424,897$66,133,559
94$209,213,213$10,084,813$2,359,094$72,426,541
95$230,401,293$10,427,300$2,286,455$79,348,948
96$253,745,778$10,781,791$2,206,605$86,964,637
97$279,466,473$11,148,725$2,119,152$95,343,973
98$307,805,596$11,528,555$2,023,687$104,564,487
99$339,030,066$11,921,753$1,919,779$114,711,606
100$373,434,023$12,328,810$1,806,982$125,879,464