Can I retire at age 44 with 400,000?

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 $400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$33,032$32,737$32,450$32,170$31,897$31,025
2 years$16,352$16,048$15,753$15,466$15,189$14,317
3 years$10,793$10,487$10,193$9,909$9,636$8,792
4 years$8,014$7,709$7,418$7,139$6,873$6,062
5 years$6,347$6,044$5,757$5,484$5,225$4,449
6 years$5,236$4,936$4,652$4,385$4,134$3,395
7 years$4,443$4,145$3,866$3,605$3,362$2,660
8 years$3,849$3,553$3,279$3,024$2,789$2,123
9 years$3,386$3,093$2,824$2,576$2,349$1,719
10 years$3,017$2,727$2,462$2,221$2,001$1,406
11 years$2,714$2,427$2,167$1,933$1,721$1,160
12 years$2,463$2,179$1,924$1,695$1,492$963
13 years$2,250$1,969$1,719$1,497$1,301$804
14 years$2,068$1,790$1,544$1,329$1,140$674
15 years$1,910$1,635$1,394$1,185$1,004$567
16 years$1,772$1,500$1,264$1,061$887$478
17 years$1,651$1,381$1,150$953$787$404
18 years$1,543$1,277$1,050$859$699$343
19 years$1,446$1,183$961$776$623$291
20 years$1,359$1,099$882$703$557$247
21 years$1,281$1,024$811$638$498$210
22 years$1,210$956$748$580$447$179
23 years$1,145$894$690$528$401$153
24 years$1,086$838$639$482$360$130
25 years$1,031$786$591$440$324$111
26 years$981$739$549$402$292$95
27 years$935$695$509$368$263$81
28 years$892$655$474$337$238$70
29 years$852$618$441$309$215$59
30 years$814$584$410$284$194$51
31 years$779$552$383$261$175$44
32 years$747$522$357$240$159$37
33 years$716$494$333$220$144$32
34 years$688$469$311$203$130$27
35 years$661$444$291$187$118$23
36 years$635$422$272$172$107$20
37 years$611$401$255$158$97$17
38 years$589$381$239$146$88$15
39 years$567$362$224$135$79$13
40 years$547$345$210$124$72$11
41 years$528$328$197$115$65$9
42 years$509$312$184$106$59$8
43 years$492$298$173$98$54$7
44 years$475$284$162$90$49$6
45 years$459$270$153$83$44$5
46 years$444$258$143$77$40$4
47 years$430$246$135$71$37$4
48 years$416$235$126$66$33$3
49 years$403$224$119$61$30$3
50 years$391$214$112$56$27$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $400,000, adding $4,471 every year, while hoping to spend $25,290 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: 83/8/9 Blend
43$400,000$400,000$400,000$400,000
44$445,412$424,212$418,012$481,459
45$463,935$418,090$405,107$499,575
46$483,501$410,820$390,922$515,619
47$504,188$402,320$375,388$532,462
48$526,083$392,502$358,431$550,170
49$549,281$381,272$339,976$568,815
50$573,885$368,532$319,943$588,475
51$600,010$354,179$298,249$609,238
52$627,778$338,101$274,808$631,201
53$657,326$320,182$249,528$654,468
54$688,801$300,298$222,315$679,156
55$722,366$278,320$193,070$705,395
56$758,199$254,109$161,690$733,325
57$796,494$227,520$128,065$763,103
58$837,466$198,398$92,085$794,900
59$881,348$166,581$53,631$828,907
60$928,398$131,895$12,580$865,332
61$978,898$94,161$0$904,407
62$1,033,156$53,186$0$949,385
63$1,091,512$8,766$0$999,032
64$1,154,340$0$0$1,052,461
65$1,222,048$0$0$1,113,488
66$1,295,086$0$0$1,180,159
67$1,373,948$0$0$1,252,152
68$1,459,177$0$0$1,329,965
69$1,551,370$0$0$1,414,142
70$1,651,182$0$0$1,505,284
71$1,759,334$0$0$1,604,050
72$1,876,620$0$0$1,711,164
73$2,003,911$0$0$1,827,424
74$2,142,165$0$0$1,953,708
75$2,292,437$0$0$2,090,978
76$2,455,888$0$0$2,240,297
77$2,633,795$0$0$2,402,831
78$2,827,561$0$0$2,579,866
79$3,038,732$0$0$2,772,815
80$3,269,010$0$0$2,983,233
81$3,520,266$0$0$3,212,833
82$3,794,562$0$0$3,463,500
83$4,094,166$0$0$3,737,308
84$4,421,575$0$0$4,036,540
85$4,779,538$0$0$4,363,713
86$5,171,083$0$0$4,721,593
87$5,599,543$0$0$5,113,230
88$6,068,587$0$0$5,541,980
89$6,582,258$0$0$6,011,539
90$7,145,005$0$0$6,525,978
91$7,761,730$0$0$7,089,780
92$8,437,830$0$0$7,707,881
93$9,179,252$0$0$8,385,719
94$9,992,543$0$0$9,129,283
95$10,884,916$0$0$9,945,170
96$11,864,314$0$0$10,840,645
97$12,939,488$0$0$11,823,712
98$14,120,078$0$0$12,903,188
99$15,416,703$0$0$14,088,784
100$16,841,058$0$0$15,391,200