Can I retire at age 44 with 410,000?

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 $410,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$33,857$33,556$33,262$32,974$32,694$31,509
2 years$16,761$16,449$16,146$15,853$15,569$14,388
3 years$11,063$10,750$10,448$10,157$9,877$8,738
4 years$8,215$7,902$7,603$7,318$7,045$5,955
5 years$6,506$6,195$5,900$5,621$5,355$4,318
6 years$5,367$5,059$4,768$4,495$4,237$3,254
7 years$4,554$4,248$3,963$3,696$3,446$2,516
8 years$3,945$3,642$3,361$3,100$2,859$1,981
9 years$3,471$3,171$2,894$2,641$2,408$1,582
10 years$3,092$2,795$2,523$2,276$2,051$1,275
11 years$2,782$2,488$2,222$1,981$1,764$1,036
12 years$2,524$2,233$1,972$1,738$1,529$847
13 years$2,306$2,018$1,762$1,534$1,333$696
14 years$2,120$1,834$1,583$1,362$1,169$575
15 years$1,958$1,676$1,429$1,214$1,029$476
16 years$1,816$1,538$1,296$1,087$909$395
17 years$1,692$1,416$1,179$977$806$328
18 years$1,581$1,308$1,076$880$717$273
19 years$1,482$1,213$985$796$639$228
20 years$1,393$1,127$904$721$571$190
21 years$1,313$1,050$832$654$511$159
22 years$1,240$980$767$595$458$133
23 years$1,174$916$708$542$411$112
24 years$1,113$859$655$494$369$93
25 years$1,057$806$606$451$332$78
26 years$1,006$757$562$412$299$66
27 years$958$713$522$377$270$55
28 years$914$672$485$346$244$46
29 years$873$634$452$317$220$39
30 years$835$598$421$291$199$33
31 years$799$566$392$267$180$27
32 years$766$535$366$246$163$23
33 years$734$507$342$226$147$19
34 years$705$480$319$208$133$16
35 years$677$456$298$191$121$14
36 years$651$432$279$176$109$11
37 years$627$411$261$162$99$10
38 years$603$390$245$150$90$8
39 years$581$371$229$138$81$7
40 years$561$353$215$127$74$6
41 years$541$336$202$117$67$5
42 years$522$320$189$108$61$4
43 years$504$305$177$100$55$3
44 years$487$291$167$92$50$3
45 years$471$277$156$85$45$2
46 years$455$264$147$79$41$2
47 years$441$252$138$73$37$2
48 years$427$241$130$67$34$1
49 years$413$230$122$62$31$1
50 years$400$220$115$57$28$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $410,000, adding $4,134 every year, while hoping to spend $29,571 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: 85/10/5 Blend
43$410,000$410,000$410,000$410,000
44$456,084$434,354$427,999$494,497
45$471,141$424,174$410,874$509,981
46$486,744$412,504$392,184$522,498
47$502,915$399,240$371,845$535,298
48$519,681$384,272$349,771$548,390
49$537,069$367,482$325,869$561,783
50$555,109$348,748$300,045$575,486
51$573,832$327,938$272,198$589,510
52$593,271$304,915$242,224$603,866
53$613,461$279,532$210,015$618,566
54$634,440$251,636$175,457$633,623
55$656,249$221,062$138,431$649,053
56$678,931$187,639$98,813$664,872
57$702,533$151,184$56,474$681,098
58$727,104$111,504$11,279$697,750
59$752,698$68,397$0$714,850
60$779,372$21,648$0$734,393
61$807,190$0$0$755,205
62$836,216$0$0$779,909
63$866,525$0$0$808,193
64$898,192$0$0$837,746
65$931,303$0$0$868,648
66$965,949$0$0$900,984
67$1,002,227$0$0$934,846
68$1,040,245$0$0$970,333
69$1,080,119$0$0$1,007,555
70$1,121,973$0$0$1,046,627
71$1,165,944$0$0$1,087,679
72$1,212,180$0$0$1,130,848
73$1,260,843$0$0$1,176,286
74$1,312,108$0$0$1,224,156
75$1,366,165$0$0$1,274,637
76$1,423,223$0$0$1,327,924
77$1,483,509$0$0$1,384,230
78$1,547,270$0$0$1,443,786
79$1,614,777$0$0$1,506,845
80$1,686,325$0$0$1,573,684
81$1,762,236$0$0$1,644,604
82$1,842,863$0$0$1,719,935
83$1,928,592$0$0$1,800,040
84$2,019,844$0$0$1,885,312
85$2,117,082$0$0$1,976,184
86$2,220,811$0$0$2,073,131
87$2,331,586$0$0$2,176,670
88$2,450,014$0$0$2,287,371
89$2,576,761$0$0$2,405,856
90$2,712,557$0$0$2,532,811
91$2,858,202$0$0$2,668,983
92$3,014,575$0$0$2,815,197
93$3,182,641$0$0$2,972,355
94$3,363,458$0$0$3,141,448
95$3,558,188$0$0$3,323,565
96$3,768,108$0$0$3,519,901
97$3,994,619$0$0$3,731,769
98$4,239,263$0$0$3,960,612
99$4,503,732$0$0$4,208,016
100$4,789,887$0$0$4,475,722