Can I retire at age 44 with 1,880,000?

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 $1,880,000?

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$155,249$153,866$152,517$151,200$149,914$146,171
2 years$76,856$75,424$74,037$72,692$71,388$67,640
3 years$50,728$49,291$47,907$46,575$45,291$41,657
4 years$37,667$36,234$34,864$33,554$32,302$28,809
5 years$29,832$28,408$27,056$25,773$24,556$21,213
6 years$24,611$23,197$21,865$20,611$19,430$16,241
7 years$20,883$19,481$18,170$16,945$15,802$12,767
8 years$18,088$16,699$15,410$14,215$13,109$10,227
9 years$15,915$14,539$13,272$12,108$11,040$8,308
10 years$14,178$12,816$11,571$10,437$9,406$6,822
11 years$12,758$11,409$10,187$9,084$8,090$5,649
12 years$11,575$10,240$9,041$7,967$7,010$4,709
13 years$10,575$9,254$8,077$7,034$6,113$3,946
14 years$9,719$8,412$7,257$6,244$5,359$3,322
15 years$8,977$7,684$6,553$5,569$4,718$2,806
16 years$8,329$7,050$5,941$4,986$4,170$2,378
17 years$7,758$6,493$5,406$4,480$3,697$2,020
18 years$7,250$6,000$4,935$4,037$3,288$1,719
19 years$6,797$5,560$4,518$3,648$2,930$1,466
20 years$6,390$5,167$4,146$3,304$2,617$1,252
21 years$6,021$4,813$3,814$2,999$2,342$1,070
22 years$5,687$4,493$3,515$2,726$2,100$916
23 years$5,382$4,202$3,245$2,483$1,885$785
24 years$5,103$3,937$3,001$2,265$1,694$673
25 years$4,847$3,695$2,780$2,068$1,524$577
26 years$4,611$3,472$2,578$1,891$1,373$496
27 years$4,392$3,268$2,394$1,731$1,238$426
28 years$4,190$3,079$2,226$1,586$1,117$366
29 years$4,002$2,905$2,071$1,454$1,009$314
30 years$3,827$2,743$1,929$1,335$911$270
31 years$3,663$2,593$1,799$1,226$824$232
32 years$3,510$2,454$1,678$1,127$745$200
33 years$3,367$2,324$1,567$1,036$675$172
34 years$3,232$2,203$1,464$953$611$148
35 years$3,105$2,089$1,369$877$553$127
36 years$2,986$1,983$1,280$808$501$110
37 years$2,873$1,883$1,198$745$454$94
38 years$2,767$1,790$1,122$686$412$81
39 years$2,666$1,702$1,051$633$373$70
40 years$2,570$1,619$985$584$339$60
41 years$2,480$1,541$924$538$307$52
42 years$2,394$1,468$867$497$279$45
43 years$2,312$1,399$813$459$253$38
44 years$2,234$1,333$764$424$230$33
45 years$2,159$1,271$717$391$209$28
46 years$2,089$1,213$673$361$189$25
47 years$2,021$1,157$633$334$172$21
48 years$1,956$1,105$594$308$156$18
49 years$1,895$1,055$559$285$142$16
50 years$1,836$1,008$525$264$129$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,880,000, adding $4,050 every year, while hoping to spend $35,142 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: 68/14/18 Blend
43$1,880,000$1,880,000$1,880,000$1,880,000
44$2,075,938$1,976,298$1,947,158$2,207,750
45$2,250,292$2,035,745$1,974,997$2,355,733
46$2,441,254$2,096,928$2,002,590$2,513,047
47$2,650,478$2,159,894$2,029,894$2,684,257
48$2,879,790$2,224,692$2,056,858$2,870,730
49$3,131,199$2,291,373$2,083,434$3,073,969
50$3,406,919$2,359,987$2,109,566$3,295,630
51$3,709,386$2,430,589$2,135,198$3,537,537
52$4,041,287$2,503,231$2,160,271$3,801,699
53$4,405,578$2,577,969$2,184,719$4,090,329
54$4,805,517$2,654,859$2,208,478$4,405,864
55$5,244,693$2,733,961$2,231,475$4,750,988
56$5,727,059$2,815,332$2,253,637$5,128,658
57$6,256,970$2,899,034$2,274,884$5,542,133
58$6,839,222$2,985,128$2,295,134$5,995,002
59$7,479,102$3,073,678$2,314,300$6,491,217
60$8,182,431$3,164,749$2,332,290$7,035,134
61$8,955,624$3,258,407$2,349,007$7,631,553
62$9,805,748$3,354,720$2,364,349$8,285,760
63$10,740,590$3,453,756$2,378,210$9,003,580
64$11,768,727$3,555,587$2,390,477$9,791,431
65$12,899,611$3,660,285$2,401,032$10,656,384
66$14,143,654$3,767,922$2,409,750$11,606,230
67$15,512,332$3,878,575$2,416,501$12,649,555
68$17,018,284$3,992,319$2,421,148$13,795,815
69$18,675,439$4,109,234$2,423,547$15,055,436
70$20,499,145$4,229,397$2,423,547$16,439,899
71$22,506,312$4,352,892$2,420,990$17,961,860
72$24,715,572$4,479,799$2,415,709$19,635,263
73$27,147,455$4,610,204$2,407,530$21,475,473
74$29,824,583$4,744,192$2,396,270$23,499,419
75$32,771,883$4,881,850$2,381,738$25,725,759
76$36,016,821$5,023,267$2,363,732$28,175,051
77$39,589,663$5,168,533$2,342,043$30,869,948
78$43,523,757$5,317,739$2,316,449$33,835,413
79$47,855,850$5,470,979$2,286,721$37,098,955
80$52,626,437$5,628,346$2,252,616$40,690,886
81$57,880,136$5,789,938$2,213,881$44,644,610
82$63,666,115$5,955,850$2,170,251$48,996,936
83$70,038,553$6,126,181$2,121,449$53,788,428
84$77,057,153$6,301,031$2,067,185$59,063,784
85$84,787,701$6,480,501$2,007,154$64,872,262
86$93,302,694$6,664,692$1,941,041$71,268,143
87$102,682,014$6,853,708$1,868,512$78,311,243
88$113,013,693$7,047,653$1,789,220$86,067,478
89$124,394,734$7,246,632$1,702,803$94,609,488
90$136,932,030$7,450,750$1,608,880$104,017,320
91$150,743,375$7,660,115$1,507,056$114,379,186
92$165,958,572$7,874,833$1,396,915$125,792,294
93$182,720,660$8,095,013$1,278,025$138,363,766
94$201,187,261$8,320,763$1,149,933$152,211,652
95$221,532,072$8,552,191$1,012,166$167,466,042
96$243,946,501$8,789,406$864,231$184,270,292
97$268,641,473$9,032,516$705,612$202,782,382
98$295,849,425$9,281,630$535,771$223,176,408
99$325,826,492$9,536,856$354,145$245,644,219
100$358,854,934$9,798,302$160,149$270,397,236