Can I retire at age 44 with 810,000?

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 $810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$66,889$66,293$65,712$65,145$64,591$62,126
2 years$33,113$32,497$31,899$31,319$30,757$28,303
3 years$21,856$21,237$20,641$20,067$19,514$17,148
4 years$16,229$15,611$15,021$14,457$13,917$11,657
5 years$12,853$12,240$11,657$11,104$10,580$8,431
6 years$10,604$9,994$9,421$8,880$8,371$6,336
7 years$8,997$8,393$7,829$7,301$6,808$4,885
8 years$7,793$7,195$6,639$6,125$5,648$3,835
9 years$6,857$6,264$5,718$5,217$4,756$3,052
10 years$6,109$5,522$4,985$4,497$4,053$2,453
11 years$5,497$4,916$4,389$3,914$3,486$1,987
12 years$4,987$4,412$3,895$3,433$3,020$1,620
13 years$4,556$3,987$3,480$3,031$2,634$1,326
14 years$4,187$3,624$3,127$2,690$2,309$1,090
15 years$3,868$3,311$2,823$2,399$2,033$899
16 years$3,589$3,038$2,560$2,148$1,797$744
17 years$3,342$2,797$2,329$1,930$1,593$616
18 years$3,124$2,585$2,126$1,739$1,416$511
19 years$2,929$2,396$1,946$1,572$1,263$425
20 years$2,753$2,226$1,786$1,424$1,128$354
21 years$2,594$2,074$1,643$1,292$1,009$294
22 years$2,450$1,936$1,514$1,175$905$245
23 years$2,319$1,810$1,398$1,070$812$205
24 years$2,199$1,696$1,293$976$730$171
25 years$2,088$1,592$1,198$891$657$143
26 years$1,987$1,496$1,111$815$592$119
27 years$1,892$1,408$1,031$746$533$100
28 years$1,805$1,327$959$683$481$83
29 years$1,724$1,252$892$627$435$70
30 years$1,649$1,182$831$575$393$58
31 years$1,578$1,117$775$528$355$49
32 years$1,512$1,057$723$485$321$41
33 years$1,451$1,001$675$446$291$34
34 years$1,393$949$631$411$263$28
35 years$1,338$900$590$378$238$24
36 years$1,286$854$552$348$216$20
37 years$1,238$811$516$321$196$17
38 years$1,192$771$484$296$177$14
39 years$1,149$733$453$273$161$12
40 years$1,107$698$425$251$146$10
41 years$1,068$664$398$232$132$8
42 years$1,031$632$373$214$120$7
43 years$996$603$350$198$109$6
44 years$962$574$329$183$99$5
45 years$930$548$309$169$90$4
46 years$900$523$290$156$82$3
47 years$871$499$273$144$74$3
48 years$843$476$256$133$67$2
49 years$816$455$241$123$61$2
50 years$791$434$226$114$55$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $810,000, adding $3,666 every year, while hoping to spend $28,381 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: 41/31/28 Blend
43$810,000$810,000$810,000$810,000
44$896,401$853,471$840,916$925,646
45$957,637$865,094$838,890$958,763
46$1,024,168$876,336$835,844$991,660
47$1,096,503$887,147$831,716$1,026,728
48$1,175,205$897,475$826,437$1,064,186
49$1,260,891$907,266$819,937$1,104,272
50$1,354,239$916,459$812,142$1,147,254
51$1,455,998$924,993$802,976$1,193,427
52$1,566,991$932,798$792,356$1,243,118
53$1,688,123$939,805$780,199$1,296,686
54$1,820,392$945,935$766,416$1,354,534
55$1,964,895$951,109$750,914$1,417,103
56$2,122,839$955,239$733,595$1,484,883
57$2,295,557$958,233$714,358$1,558,416
58$2,484,511$959,994$693,097$1,638,301
59$2,691,315$960,417$669,699$1,725,200
60$2,917,745$959,394$644,050$1,819,848
61$3,165,755$956,805$616,026$1,923,053
62$3,437,501$952,527$585,502$2,035,713
63$3,735,353$946,427$552,343$2,158,816
64$4,061,924$938,367$516,411$2,293,459
65$4,420,090$928,197$477,561$2,440,849
66$4,813,020$915,759$435,640$2,602,325
67$5,244,205$900,888$390,491$2,779,363
68$5,717,488$883,407$341,947$2,973,594
69$6,237,106$863,127$289,836$3,186,822
70$6,807,722$839,852$233,976$3,421,037
71$7,434,475$813,370$174,180$3,678,439
72$8,123,027$783,461$110,251$3,961,456
73$8,879,613$749,888$41,982$4,272,769
74$9,711,105$712,404$0$4,615,341
75$10,625,070$670,744$0$5,001,665
76$11,629,848$624,631$0$5,440,110
77$12,734,626$573,771$0$5,922,177
78$13,949,525$517,853$0$6,452,336
79$15,285,696$456,548$0$7,035,519
80$16,755,426$389,508$0$7,677,163
81$18,372,253$316,366$0$8,383,265
82$20,151,090$236,736$0$9,160,436
83$22,108,372$150,207$0$10,015,969
84$24,262,207$56,348$0$10,957,903
85$26,632,543$0$0$11,995,103
86$29,241,365$0$0$13,152,796
87$32,112,895$0$0$14,448,351
88$35,273,821$0$0$15,874,602
89$38,753,552$0$0$17,444,836
90$42,584,493$0$0$19,173,690
91$46,802,349$0$0$21,077,297
92$51,446,464$0$0$23,173,429
93$56,560,193$0$0$25,481,674
94$62,191,308$0$0$28,023,614
95$68,392,448$0$0$30,823,030
96$75,221,620$0$0$33,906,128
97$82,742,741$0$0$37,301,785
98$91,026,245$0$0$41,041,822
99$100,149,745$0$0$45,161,303
100$110,198,764$0$0$49,698,868