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%14.5%
1 years$157,726$156,321$154,950$153,612$152,306$149,476
2 years$78,082$76,628$75,219$73,852$72,527$69,686
3 years$51,538$50,077$48,671$47,318$46,014$43,251
4 years$38,268$36,812$35,420$34,090$32,818$30,154
5 years$30,308$28,861$27,488$26,184$24,947$22,390
6 years$25,004$23,567$22,214$20,940$19,740$17,293
7 years$21,216$19,792$18,460$17,216$16,054$13,717
8 years$18,377$16,965$15,656$14,442$13,318$11,091
9 years$16,169$14,771$13,484$12,301$11,216$9,097
10 years$14,405$13,020$11,756$10,604$9,557$7,544
11 years$12,962$11,591$10,350$9,228$8,219$6,310
12 years$11,760$10,404$9,185$8,095$7,122$5,315
13 years$10,744$9,402$8,206$7,146$6,211$4,502
14 years$9,874$8,546$7,373$6,344$5,444$3,831
15 years$9,121$7,807$6,657$5,657$4,794$3,273
16 years$8,462$7,163$6,036$5,066$4,237$2,805
17 years$7,882$6,597$5,492$4,551$3,756$2,410
18 years$7,366$6,095$5,014$4,102$3,340$2,076
19 years$6,906$5,649$4,590$3,706$2,977$1,791
20 years$6,491$5,250$4,212$3,357$2,659$1,548
21 years$6,117$4,890$3,874$3,046$2,380$1,340
22 years$5,778$4,564$3,571$2,770$2,133$1,161
23 years$5,468$4,269$3,297$2,523$1,915$1,007
24 years$5,185$4,000$3,049$2,301$1,721$875
25 years$4,924$3,754$2,824$2,101$1,549$760
26 years$4,684$3,528$2,619$1,921$1,395$661
27 years$4,463$3,320$2,432$1,759$1,258$575
28 years$4,257$3,128$2,261$1,611$1,135$500
29 years$4,066$2,951$2,104$1,478$1,025$436
30 years$3,888$2,787$1,960$1,356$926$380
31 years$3,722$2,635$1,827$1,245$837$331
32 years$3,566$2,493$1,705$1,145$757$288
33 years$3,421$2,361$1,592$1,052$685$251
34 years$3,284$2,238$1,487$968$620$219
35 years$3,155$2,122$1,391$891$562$191
36 years$3,034$2,014$1,301$821$509$167
37 years$2,919$1,913$1,218$756$461$146
38 years$2,811$1,818$1,140$697$418$127
39 years$2,708$1,729$1,068$643$379$111
40 years$2,611$1,645$1,001$593$344$97
41 years$2,519$1,566$939$547$312$84
42 years$2,432$1,491$881$505$283$74
43 years$2,349$1,421$826$466$257$64
44 years$2,269$1,354$776$430$233$56
45 years$2,194$1,292$728$397$212$49
46 years$2,122$1,232$684$367$192$43
47 years$2,053$1,176$643$339$175$37
48 years$1,988$1,122$604$313$159$33
49 years$1,925$1,072$568$290$144$29
50 years$1,865$1,024$534$268$131$25

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 $2,534 every year, while hoping to spend $49,568 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: 51/43/6 Blend
43$1,910,000$1,910,000$1,910,000$1,910,000
44$2,107,434$2,006,204$1,976,599$2,211,731
45$2,269,652$2,051,768$1,990,075$2,328,446
46$2,446,755$2,097,903$2,002,341$2,449,677
47$2,640,209$2,144,586$2,013,305$2,580,268
48$2,851,628$2,191,788$2,022,868$2,721,107
49$3,082,789$2,239,479$2,030,928$2,873,173
50$3,335,646$2,287,627$2,037,378$3,037,543
51$3,612,356$2,336,195$2,042,103$3,215,405
52$3,915,288$2,385,140$2,044,986$3,408,066
53$4,247,056$2,434,421$2,045,901$3,616,967
54$4,610,535$2,483,986$2,044,718$3,843,694
55$5,008,892$2,533,785$2,041,299$4,089,994
56$5,445,617$2,583,757$2,035,500$4,357,794
57$5,924,551$2,633,842$2,027,170$4,649,215
58$6,449,925$2,683,971$2,016,151$4,966,595
59$7,026,402$2,734,070$2,002,276$5,312,511
60$7,659,114$2,784,059$1,985,372$5,689,801
61$8,353,718$2,833,852$1,965,256$6,101,593
62$9,116,443$2,883,356$1,941,737$6,551,336
63$9,954,151$2,932,471$1,914,616$7,042,829
64$10,874,401$2,981,090$1,883,683$7,580,258
65$11,885,523$3,029,096$1,848,719$8,168,240
66$12,996,690$3,076,365$1,809,495$8,811,859
67$14,218,009$3,122,764$1,765,770$9,516,722
68$15,560,616$3,168,149$1,717,294$10,289,007
69$17,036,779$3,212,369$1,663,803$11,135,524
70$18,660,013$3,255,258$1,605,023$12,063,778
71$20,445,210$3,296,641$1,540,667$13,082,041
72$22,408,776$3,336,331$1,470,434$14,199,431
73$24,568,788$3,374,127$1,394,010$15,425,999
74$26,945,162$3,409,817$1,311,067$16,772,821
75$29,559,842$3,443,172$1,221,261$18,252,107
76$32,437,007$3,473,949$1,124,235$19,877,314
77$35,603,298$3,501,888$1,019,613$21,663,274
78$39,088,069$3,526,715$907,004$23,626,337
79$42,923,663$3,548,135$786,000$25,784,524
80$47,145,719$3,565,836$656,173$28,157,696
81$51,793,506$3,579,486$517,079$30,767,746
82$56,910,294$3,588,730$368,250$33,638,805
83$62,543,759$3,593,194$209,202$36,797,469
84$68,746,440$3,592,478$39,428$40,273,054
85$75,576,225$3,586,158$0$44,097,872
86$83,096,905$3,573,784$0$48,316,611
87$91,378,769$3,554,879$0$52,962,734
88$100,499,271$3,528,936$0$58,077,017
89$110,543,760$3,495,417$0$63,707,184
90$121,606,285$3,453,754$0$69,905,836
91$133,790,479$3,403,341$0$76,730,945
92$147,210,543$3,343,539$0$84,246,405
93$161,992,316$3,273,670$0$92,522,635
94$178,274,468$3,193,016$0$101,637,246
95$196,209,806$3,100,816$0$111,675,775
96$215,966,716$2,996,266$0$122,732,497
97$237,730,752$2,878,514$0$134,911,311
98$261,706,385$2,746,657$0$148,326,729
99$288,118,936$2,599,743$0$163,104,956
100$317,216,700$2,436,764$0$179,385,082