Can I retire at age 44 with 1,910,000?

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 $1,910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$157,726$156,321$154,950$153,612$152,306$148,987
2 years$78,082$76,628$75,219$73,852$72,527$69,200
3 years$51,538$50,077$48,671$47,318$46,014$42,783
4 years$38,268$36,812$35,420$34,090$32,818$29,707
5 years$30,308$28,861$27,488$26,184$24,947$21,966
6 years$25,004$23,567$22,214$20,940$19,740$16,891
7 years$21,216$19,792$18,460$17,216$16,054$13,338
8 years$18,377$16,965$15,656$14,442$13,318$10,735
9 years$16,169$14,771$13,484$12,301$11,216$8,763
10 years$14,405$13,020$11,756$10,604$9,557$7,231
11 years$12,962$11,591$10,350$9,228$8,219$6,018
12 years$11,760$10,404$9,185$8,095$7,122$5,043
13 years$10,744$9,402$8,206$7,146$6,211$4,249
14 years$9,874$8,546$7,373$6,344$5,444$3,596
15 years$9,121$7,807$6,657$5,657$4,794$3,055
16 years$8,462$7,163$6,036$5,066$4,237$2,603
17 years$7,882$6,597$5,492$4,551$3,756$2,224
18 years$7,366$6,095$5,014$4,102$3,340$1,904
19 years$6,906$5,649$4,590$3,706$2,977$1,634
20 years$6,491$5,250$4,212$3,357$2,659$1,403
21 years$6,117$4,890$3,874$3,046$2,380$1,207
22 years$5,778$4,564$3,571$2,770$2,133$1,040
23 years$5,468$4,269$3,297$2,523$1,915$896
24 years$5,185$4,000$3,049$2,301$1,721$773
25 years$4,924$3,754$2,824$2,101$1,549$668
26 years$4,684$3,528$2,619$1,921$1,395$577
27 years$4,463$3,320$2,432$1,759$1,258$499
28 years$4,257$3,128$2,261$1,611$1,135$431
29 years$4,066$2,951$2,104$1,478$1,025$373
30 years$3,888$2,787$1,960$1,356$926$323
31 years$3,722$2,635$1,827$1,245$837$280
32 years$3,566$2,493$1,705$1,145$757$242
33 years$3,421$2,361$1,592$1,052$685$210
34 years$3,284$2,238$1,487$968$620$182
35 years$3,155$2,122$1,391$891$562$157
36 years$3,034$2,014$1,301$821$509$136
37 years$2,919$1,913$1,218$756$461$118
38 years$2,811$1,818$1,140$697$418$102
39 years$2,708$1,729$1,068$643$379$89
40 years$2,611$1,645$1,001$593$344$77
41 years$2,519$1,566$939$547$312$67
42 years$2,432$1,491$881$505$283$58
43 years$2,349$1,421$826$466$257$50
44 years$2,269$1,354$776$430$233$43
45 years$2,194$1,292$728$397$212$38
46 years$2,122$1,232$684$367$192$33
47 years$2,053$1,176$643$339$175$28
48 years$1,988$1,122$604$313$159$25
49 years$1,925$1,072$568$290$144$21
50 years$1,865$1,024$534$268$131$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,910,000, adding $2,010 every year, while hoping to spend $30,944 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: 53/20/27 Blend
43$1,910,000$1,910,000$1,910,000$1,910,000
44$2,106,893$2,005,663$1,976,058$2,202,598
45$2,288,872$2,071,017$2,009,332$2,334,432
46$2,488,376$2,138,535$2,042,683$2,474,502
47$2,707,159$2,208,292$2,076,082$2,626,317
48$2,947,155$2,280,364$2,109,496$2,791,015
49$3,210,492$2,354,829$2,142,892$2,969,844
50$3,499,515$2,431,769$2,176,232$3,164,182
51$3,816,808$2,511,268$2,209,478$3,375,544
52$4,165,215$2,593,413$2,242,588$3,605,599
53$4,547,871$2,678,294$2,275,519$3,856,184
54$4,968,229$2,766,006$2,308,224$4,129,323
55$5,430,093$2,856,644$2,340,653$4,427,245
56$5,937,652$2,950,309$2,372,755$4,752,401
57$6,495,523$3,047,105$2,404,473$5,107,497
58$7,108,793$3,147,140$2,435,750$5,495,508
59$7,783,064$3,250,524$2,466,521$5,919,712
60$8,524,510$3,357,373$2,496,723$6,383,722
61$9,339,932$3,467,806$2,526,285$6,891,516
62$10,236,823$3,581,947$2,555,134$7,447,475
63$11,223,440$3,699,923$2,583,192$8,056,428
64$12,308,880$3,821,868$2,610,378$8,723,692
65$13,503,165$3,947,919$2,636,604$9,455,126
66$14,817,338$4,078,217$2,661,781$10,257,185
67$16,263,568$4,212,911$2,685,812$11,136,980
68$17,855,261$4,352,154$2,708,597$12,102,345
69$19,607,191$4,496,102$2,730,028$13,161,912
70$21,535,635$4,644,921$2,749,994$14,325,191
71$23,658,527$4,798,780$2,768,377$15,602,661
72$25,995,632$4,957,856$2,785,052$17,005,868
73$28,568,726$5,122,330$2,799,891$18,547,530
74$31,401,803$5,292,392$2,812,754$20,241,667
75$34,521,306$5,468,237$2,823,500$22,103,720
76$37,956,367$5,650,069$2,831,976$24,150,707
77$41,739,093$5,838,098$2,838,023$26,401,379
78$45,904,858$6,032,543$2,841,475$28,876,398
79$50,492,646$6,233,630$2,842,156$31,598,530
80$55,545,410$6,441,593$2,839,883$34,592,861
81$61,110,487$6,656,675$2,834,463$37,887,035
82$67,240,033$6,879,129$2,825,695$41,511,513
83$73,991,526$7,109,215$2,813,365$45,499,859
84$81,428,300$7,347,206$2,797,252$49,889,062
85$89,620,150$7,593,382$2,777,122$54,719,878
86$98,643,982$7,848,035$2,752,733$60,037,219
87$108,584,546$8,111,466$2,723,828$65,890,577
88$119,535,233$8,383,991$2,690,139$72,334,488
89$131,598,954$8,665,934$2,651,385$79,429,049
90$144,889,115$8,957,632$2,607,275$87,240,486
91$159,530,685$9,259,437$2,557,499$95,841,775
92$175,661,376$9,571,710$2,501,736$105,313,336
93$193,432,942$9,894,830$2,439,650$115,743,788
94$213,012,612$10,229,186$2,370,888$127,230,785
95$234,584,668$10,575,186$2,295,083$139,881,944
96$258,352,184$10,933,250$2,211,848$153,815,851
97$284,538,943$11,303,816$2,120,781$169,163,190
98$313,391,549$11,687,336$2,021,461$186,067,970
99$345,181,754$12,084,283$1,913,447$204,688,887
100$380,209,024$12,495,144$1,796,278$225,200,822