Can I retire at age 44 with 1,900,000?

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 $1,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.6%
1 years$156,900$155,503$154,139$152,808$151,509$146,835
2 years$77,673$76,227$74,825$73,465$72,147$67,479
3 years$51,268$49,815$48,417$47,070$45,773$41,258
4 years$38,068$36,619$35,235$33,911$32,646$28,317
5 years$30,150$28,710$27,344$26,047$24,817$20,687
6 years$24,873$23,444$22,098$20,830$19,637$15,709
7 years$21,105$19,688$18,363$17,126$15,970$12,244
8 years$18,280$16,876$15,574$14,366$13,249$9,722
9 years$16,085$14,694$13,414$12,237$11,157$7,827
10 years$14,329$12,952$11,694$10,548$9,506$6,367
11 years$12,894$11,530$10,295$9,180$8,176$5,221
12 years$11,698$10,349$9,137$8,052$7,085$4,310
13 years$10,688$9,353$8,163$7,109$6,178$3,575
14 years$9,822$8,501$7,335$6,310$5,416$2,979
15 years$9,073$7,766$6,622$5,628$4,769$2,490
16 years$8,418$7,125$6,004$5,039$4,214$2,087
17 years$7,840$6,562$5,463$4,528$3,737$1,754
18 years$7,328$6,064$4,987$4,080$3,323$1,476
19 years$6,869$5,620$4,566$3,687$2,962$1,245
20 years$6,457$5,222$4,190$3,339$2,645$1,051
21 years$6,085$4,864$3,854$3,031$2,367$888
22 years$5,747$4,540$3,552$2,755$2,122$751
23 years$5,439$4,247$3,280$2,509$1,905$636
24 years$5,157$3,979$3,033$2,289$1,712$539
25 years$4,898$3,734$2,809$2,090$1,541$457
26 years$4,660$3,509$2,606$1,911$1,388$387
27 years$4,439$3,303$2,420$1,749$1,251$329
28 years$4,235$3,112$2,249$1,603$1,129$279
29 years$4,045$2,936$2,093$1,470$1,019$237
30 years$3,868$2,773$1,950$1,349$921$201
31 years$3,702$2,621$1,818$1,239$833$171
32 years$3,548$2,480$1,696$1,139$753$145
33 years$3,403$2,349$1,583$1,047$682$123
34 years$3,266$2,226$1,479$963$617$105
35 years$3,138$2,111$1,383$887$559$89
36 years$3,018$2,004$1,294$817$507$76
37 years$2,904$1,903$1,211$752$459$64
38 years$2,796$1,809$1,134$694$416$55
39 years$2,694$1,720$1,063$640$377$46
40 years$2,598$1,636$996$590$342$40
41 years$2,506$1,558$934$544$311$34
42 years$2,419$1,484$876$502$282$29
43 years$2,336$1,414$822$464$256$24
44 years$2,257$1,347$772$428$232$21
45 years$2,182$1,285$725$395$211$18
46 years$2,111$1,226$681$365$191$15
47 years$2,043$1,170$639$337$174$13
48 years$1,977$1,117$601$312$158$11
49 years$1,915$1,066$565$288$143$9
50 years$1,855$1,019$531$266$130$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,900,000, adding $6,489 every year, while hoping to spend $35,115 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: 60/28/12 Blend
43$1,900,000$1,900,000$1,900,000$1,900,000
44$2,100,493$1,999,793$1,970,343$2,220,059
45$2,277,382$2,060,421$1,998,988$2,361,855
46$2,471,136$2,122,843$2,027,415$2,511,919
47$2,683,438$2,187,109$2,055,580$2,674,758
48$2,916,144$2,253,272$2,083,437$2,851,610
49$3,171,294$2,321,386$2,110,935$3,043,834
50$3,451,137$2,391,505$2,138,023$3,252,926
51$3,758,149$2,463,685$2,164,643$3,480,533
52$4,095,059$2,537,984$2,190,737$3,728,469
53$4,464,872$2,614,462$2,216,243$3,998,731
54$4,870,897$2,693,179$2,241,096$4,293,517
55$5,316,781$2,774,197$2,265,225$4,615,248
56$5,806,540$2,857,580$2,288,558$4,966,588
57$6,344,599$2,943,394$2,311,016$5,350,474
58$6,935,833$3,031,705$2,332,520$5,770,138
59$7,585,611$3,122,582$2,352,983$6,229,141
60$8,299,850$3,216,095$2,372,314$6,731,403
61$9,085,067$3,312,316$2,390,419$7,281,244
62$9,948,443$3,411,319$2,407,198$7,883,421
63$10,897,890$3,513,179$2,422,544$8,543,174
64$11,942,123$3,617,973$2,436,348$9,266,276
65$13,090,747$3,725,781$2,448,493$10,059,085
66$14,354,342$3,836,683$2,458,856$10,928,606
67$15,744,566$3,950,761$2,467,309$11,882,555
68$17,274,265$4,068,101$2,473,717$12,929,436
69$18,957,591$4,188,790$2,477,937$14,078,613
70$20,810,139$4,312,914$2,479,822$15,340,404
71$22,849,091$4,440,565$2,479,214$16,726,180
72$25,093,380$4,571,835$2,475,950$18,248,464
73$27,563,868$4,706,818$2,469,857$19,921,057
74$30,283,542$4,845,610$2,460,756$21,759,163
75$33,277,728$4,988,311$2,448,457$23,779,537
76$36,574,338$5,135,019$2,432,762$26,000,635
77$40,204,124$5,285,839$2,413,462$28,442,798
78$44,200,972$5,440,873$2,390,341$31,128,434
79$48,602,225$5,600,229$2,363,171$34,082,237
80$53,449,026$5,764,015$2,331,712$37,331,414
81$58,786,717$5,932,341$2,295,714$40,905,947
82$64,665,258$6,105,322$2,254,916$44,838,870
83$71,139,702$6,283,070$2,209,044$49,166,584
84$78,270,715$6,465,704$2,157,810$53,929,201
85$86,125,146$6,653,342$2,100,915$59,170,920
86$94,776,661$6,846,105$2,038,045$64,940,443
87$104,306,432$7,044,116$1,968,872$71,291,440
88$114,803,910$7,247,500$1,893,051$78,283,049
89$126,367,665$7,456,384$1,810,225$85,980,438
90$139,106,317$7,670,896$1,720,017$94,455,417
91$153,139,559$7,891,168$1,622,035$103,787,118
92$168,599,290$8,117,331$1,515,869$114,062,741
93$185,630,858$8,349,521$1,401,092$125,378,377
94$204,394,431$8,587,873$1,277,253$137,839,913
95$225,066,508$8,832,525$1,143,887$151,564,035
96$247,841,589$9,083,615$1,000,505$166,679,325
97$272,934,005$9,341,286$846,595$183,327,477
98$300,579,943$9,605,678$681,625$201,664,635
99$331,039,677$9,876,936$505,039$221,862,865
100$364,600,021$10,155,204$316,256$244,111,781