Can I retire at age 44 with 900,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$74,321$73,659$73,013$72,383$71,767$71,405
2 years$36,793$36,107$35,443$34,799$34,175$33,809
3 years$24,285$23,597$22,934$22,296$21,682$21,324
4 years$18,032$17,346$16,690$16,063$15,464$15,117
5 years$14,281$13,599$12,952$12,338$11,755$11,420
6 years$11,782$11,105$10,467$9,867$9,302$8,978
7 years$9,997$9,326$8,698$8,112$7,565$7,254
8 years$8,659$7,994$7,377$6,805$6,276$5,977
9 years$7,619$6,960$6,354$5,796$5,285$4,999
10 years$6,787$6,135$5,539$4,997$4,503$4,229
11 years$6,108$5,462$4,877$4,348$3,873$3,611
12 years$5,541$4,902$4,328$3,814$3,356$3,106
13 years$5,063$4,430$3,867$3,367$2,927$2,688
14 years$4,653$4,027$3,474$2,989$2,565$2,338
15 years$4,298$3,679$3,137$2,666$2,259$2,042
16 years$3,987$3,375$2,844$2,387$1,996$1,791
17 years$3,714$3,108$2,588$2,145$1,770$1,575
18 years$3,471$2,872$2,362$1,933$1,574$1,389
19 years$3,254$2,662$2,163$1,746$1,403$1,227
20 years$3,059$2,474$1,985$1,582$1,253$1,087
21 years$2,883$2,304$1,826$1,436$1,121$964
22 years$2,722$2,151$1,683$1,305$1,005$857
23 years$2,577$2,012$1,554$1,189$902$762
24 years$2,443$1,885$1,437$1,084$811$679
25 years$2,320$1,769$1,331$990$730$605
26 years$2,207$1,662$1,234$905$657$540
27 years$2,103$1,564$1,146$829$593$483
28 years$2,006$1,474$1,065$759$535$431
29 years$1,916$1,391$991$696$483$386
30 years$1,832$1,313$924$639$436$345
31 years$1,754$1,242$861$587$394$309
32 years$1,680$1,175$803$539$357$277
33 years$1,612$1,113$750$496$323$248
34 years$1,547$1,054$701$456$292$222
35 years$1,487$1,000$655$420$265$200
36 years$1,429$949$613$387$240$179
37 years$1,375$902$574$356$217$161
38 years$1,324$857$537$329$197$144
39 years$1,276$815$503$303$179$129
40 years$1,230$775$472$279$162$116
41 years$1,187$738$442$258$147$104
42 years$1,146$703$415$238$133$94
43 years$1,107$670$389$220$121$84
44 years$1,069$638$366$203$110$76
45 years$1,034$609$343$187$100$68
46 years$1,000$581$322$173$91$61
47 years$968$554$303$160$82$55
48 years$937$529$285$148$75$49
49 years$907$505$267$136$68$44
50 years$879$482$251$126$62$40

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $900,000, adding $3,501 every year, while hoping to spend $38,164 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: 32/49/19 Blend
43$900,000$900,000$900,000$900,000
44$995,411$947,711$933,761$1,021,285
45$1,056,337$953,543$924,436$1,046,723
46$1,122,198$958,381$913,519$1,070,372
47$1,193,458$962,137$900,918$1,095,040
48$1,270,625$964,716$886,533$1,120,839
49$1,354,259$966,018$870,262$1,147,895
50$1,444,976$965,935$851,998$1,176,347
51$1,543,452$964,355$831,629$1,206,356
52$1,650,433$961,157$809,037$1,238,098
53$1,766,736$956,212$784,099$1,271,773
54$1,893,262$949,386$756,686$1,307,603
55$2,031,004$940,535$726,663$1,345,838
56$2,181,051$929,506$693,891$1,386,756
57$2,344,603$916,137$658,222$1,430,669
58$2,522,982$900,257$619,502$1,477,924
59$2,717,642$881,685$577,570$1,528,909
60$2,930,182$860,228$532,260$1,584,057
61$3,162,365$835,683$483,394$1,643,850
62$3,416,129$807,835$430,791$1,708,826
63$3,693,610$776,455$374,258$1,779,583
64$3,997,159$741,302$313,597$1,856,786
65$4,329,363$702,120$248,597$1,941,177
66$4,693,075$658,640$179,041$2,033,579
67$5,091,432$610,577$104,702$2,134,907
68$5,527,890$557,627$25,342$2,246,179
69$6,006,257$499,473$0$2,368,525
70$6,530,725$435,777$0$2,515,231
71$7,105,911$366,182$0$2,681,922
72$7,736,901$290,312$0$2,865,054
73$8,429,297$207,770$0$3,066,399
74$9,189,269$118,135$0$3,287,916
75$10,023,615$20,963$0$3,531,773
76$10,939,820$0$0$3,800,369
77$11,946,133$0$0$4,141,767
78$13,051,638$0$0$4,529,378
79$14,266,346$0$0$4,955,429
80$15,601,283$0$0$5,423,804
81$17,068,596$0$0$5,938,785
82$18,681,668$0$0$6,505,090
83$20,455,244$0$0$7,127,915
84$22,405,568$0$0$7,812,987
85$24,550,538$0$0$8,566,614
86$26,909,872$0$0$9,395,746
87$29,505,296$0$0$10,308,043
88$32,360,748$0$0$11,311,944
89$35,502,603$0$0$12,416,745
90$38,959,920$0$0$13,632,692
91$42,764,719$0$0$14,971,073
92$46,952,280$0$0$16,444,326
93$51,561,477$0$0$18,066,157
94$56,635,145$0$0$19,851,666
95$62,220,481$0$0$21,817,494
96$68,369,490$0$0$23,981,976
97$75,139,477$0$0$26,365,317
98$82,593,586$0$0$28,989,781
99$90,801,396$0$0$31,879,898
100$99,839,575$0$0$35,062,702