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%17.3%
1 years$66,889$66,293$65,712$65,145$64,591$62,674
2 years$33,113$32,497$31,899$31,319$30,757$28,842
3 years$21,856$21,237$20,641$20,067$19,514$17,660
4 years$16,229$15,611$15,021$14,457$13,917$12,139
5 years$12,853$12,240$11,657$11,104$10,580$8,882
6 years$10,604$9,994$9,421$8,880$8,371$6,756
7 years$8,997$8,393$7,829$7,301$6,808$5,275
8 years$7,793$7,195$6,639$6,125$5,648$4,196
9 years$6,857$6,264$5,718$5,217$4,756$3,384
10 years$6,109$5,522$4,985$4,497$4,053$2,758
11 years$5,497$4,916$4,389$3,914$3,486$2,266
12 years$4,987$4,412$3,895$3,433$3,020$1,874
13 years$4,556$3,987$3,480$3,031$2,634$1,558
14 years$4,187$3,624$3,127$2,690$2,309$1,301
15 years$3,868$3,311$2,823$2,399$2,033$1,090
16 years$3,589$3,038$2,560$2,148$1,797$915
17 years$3,342$2,797$2,329$1,930$1,593$771
18 years$3,124$2,585$2,126$1,739$1,416$650
19 years$2,929$2,396$1,946$1,572$1,263$549
20 years$2,753$2,226$1,786$1,424$1,128$465
21 years$2,594$2,074$1,643$1,292$1,009$394
22 years$2,450$1,936$1,514$1,175$905$334
23 years$2,319$1,810$1,398$1,070$812$283
24 years$2,199$1,696$1,293$976$730$241
25 years$2,088$1,592$1,198$891$657$205
26 years$1,987$1,496$1,111$815$592$174
27 years$1,892$1,408$1,031$746$533$148
28 years$1,805$1,327$959$683$481$126
29 years$1,724$1,252$892$627$435$107
30 years$1,649$1,182$831$575$393$91
31 years$1,578$1,117$775$528$355$78
32 years$1,512$1,057$723$485$321$66
33 years$1,451$1,001$675$446$291$56
34 years$1,393$949$631$411$263$48
35 years$1,338$900$590$378$238$41
36 years$1,286$854$552$348$216$35
37 years$1,238$811$516$321$196$30
38 years$1,192$771$484$296$177$25
39 years$1,149$733$453$273$161$22
40 years$1,107$698$425$251$146$18
41 years$1,068$664$398$232$132$16
42 years$1,031$632$373$214$120$13
43 years$996$603$350$198$109$11
44 years$962$574$329$183$99$10
45 years$930$548$309$169$90$8
46 years$900$523$290$156$82$7
47 years$871$499$273$144$74$6
48 years$843$476$256$133$67$5
49 years$816$455$241$123$61$4
50 years$791$434$226$114$55$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $810,000, adding $2,643 every year, while hoping to spend $50,104 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: 64/7/29 Blend
43$810,000$810,000$810,000$810,000
44$895,346$852,416$839,861$945,568
45$933,361$840,874$814,686$968,381
46$973,575$827,088$786,989$987,561
47$1,016,158$810,893$756,631$1,007,442
48$1,061,297$792,119$723,470$1,028,100
49$1,109,198$770,581$687,355$1,049,622
50$1,160,084$746,087$648,129$1,072,105
51$1,214,199$718,432$605,627$1,095,656
52$1,271,811$687,399$559,680$1,120,397
53$1,333,213$652,758$510,106$1,146,465
54$1,398,726$614,269$456,720$1,174,012
55$1,468,701$571,673$399,325$1,203,208
56$1,543,524$524,701$337,718$1,234,245
57$1,623,617$473,064$271,685$1,267,335
58$1,709,442$416,461$201,003$1,302,717
59$1,801,509$354,572$125,441$1,340,655
60$1,900,374$287,057$44,754$1,381,446
61$2,006,650$213,560$0$1,425,418
62$2,121,008$133,704$0$1,485,735
63$2,244,184$47,089$0$1,565,619
64$2,376,991$0$0$1,651,748
65$2,520,316$0$0$1,748,313
66$2,675,138$0$0$1,856,586
67$2,842,531$0$0$1,973,695
68$3,023,675$0$0$2,100,474
69$3,219,869$0$0$2,237,836
70$3,432,541$0$0$2,386,787
71$3,663,258$0$0$2,548,432
72$3,913,747$0$0$2,723,989
73$4,185,907$0$0$2,914,794
74$4,481,825$0$0$3,122,320
75$4,803,799$0$0$3,348,185
76$5,154,356$0$0$3,594,171
77$5,536,278$0$0$3,862,239
78$5,952,626$0$0$4,154,545
79$6,406,768$0$0$4,473,465
80$6,902,412$0$0$4,821,612
81$7,443,639$0$0$5,201,864
82$8,034,944$0$0$5,617,388
83$8,681,270$0$0$6,071,670
84$9,388,066$0$0$6,568,550
85$10,161,325$0$0$7,112,255
86$11,007,651$0$0$7,707,441
87$11,934,312$0$0$8,359,232
88$12,949,316$0$0$9,073,273
89$14,061,478$0$0$9,855,780
90$15,280,507$0$0$10,713,600
91$16,617,097$0$0$11,654,272
92$18,083,025$0$0$12,686,101
93$19,691,264$0$0$13,818,233
94$21,456,103$0$0$15,060,745
95$23,393,279$0$0$16,424,735
96$25,520,129$0$0$17,922,427
97$27,855,752$0$0$19,567,288
98$30,421,184$0$0$21,374,153
99$33,239,601$0$0$23,359,365
100$36,336,533$0$0$25,540,928