Can I retire at age 44 with 910,000?

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 $910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$75,147$74,478$73,825$73,187$72,565$69,741
2 years$37,201$36,509$35,837$35,186$34,555$31,744
3 years$24,555$23,859$23,189$22,544$21,923$19,213
4 years$18,232$17,539$16,876$16,242$15,636$13,048
5 years$14,440$13,751$13,096$12,475$11,886$9,427
6 years$11,913$11,228$10,584$9,977$9,405$7,077
7 years$10,108$9,430$8,795$8,202$7,649$5,450
8 years$8,755$8,083$7,459$6,881$6,345$4,274
9 years$7,704$7,038$6,424$5,861$5,344$3,397
10 years$6,863$6,203$5,601$5,052$4,553$2,727
11 years$6,175$5,522$4,931$4,397$3,916$2,206
12 years$5,603$4,957$4,376$3,857$3,393$1,795
13 years$5,119$4,479$3,910$3,405$2,959$1,468
14 years$4,704$4,072$3,513$3,022$2,594$1,205
15 years$4,345$3,719$3,172$2,695$2,284$993
16 years$4,032$3,413$2,876$2,413$2,019$820
17 years$3,755$3,143$2,617$2,168$1,790$678
18 years$3,510$2,904$2,389$1,954$1,591$562
19 years$3,290$2,692$2,187$1,766$1,418$466
20 years$3,093$2,501$2,007$1,599$1,267$387
21 years$2,915$2,330$1,846$1,451$1,134$322
22 years$2,753$2,175$1,701$1,320$1,016$268
23 years$2,605$2,034$1,571$1,202$912$223
24 years$2,470$1,906$1,453$1,096$820$186
25 years$2,346$1,788$1,346$1,001$738$155
26 years$2,232$1,681$1,248$915$665$129
27 years$2,126$1,582$1,159$838$599$108
28 years$2,028$1,491$1,077$768$541$90
29 years$1,937$1,406$1,003$704$488$75
30 years$1,852$1,328$934$646$441$63
31 years$1,773$1,255$871$593$399$52
32 years$1,699$1,188$812$545$361$44
33 years$1,630$1,125$758$501$326$36
34 years$1,564$1,066$709$461$296$30
35 years$1,503$1,011$662$425$268$25
36 years$1,445$960$620$391$243$21
37 years$1,391$912$580$360$220$18
38 years$1,339$866$543$332$199$15
39 years$1,290$824$509$306$181$12
40 years$1,244$784$477$283$164$10
41 years$1,200$746$447$261$149$9
42 years$1,159$711$420$241$135$7
43 years$1,119$677$394$222$122$6
44 years$1,081$645$370$205$111$5
45 years$1,045$615$347$189$101$4
46 years$1,011$587$326$175$92$4
47 years$978$560$306$162$83$3
48 years$947$535$288$149$76$2
49 years$917$511$270$138$69$2
50 years$888$488$254$128$62$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $910,000, adding $2,778 every year, while hoping to spend $25,508 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: 68/22/10 Blend
43$910,000$910,000$910,000$910,000
44$1,005,686$957,456$943,351$1,071,838
45$1,081,125$977,231$947,812$1,135,900
46$1,163,405$997,120$951,569$1,202,606
47$1,253,195$1,017,101$954,569$1,274,886
48$1,351,234$1,037,153$956,761$1,353,283
49$1,458,335$1,057,248$958,087$1,438,393
50$1,575,392$1,077,360$958,490$1,530,875
51$1,703,391$1,097,460$957,909$1,631,454
52$1,843,416$1,117,515$956,278$1,740,929
53$1,996,661$1,137,490$953,530$1,860,179
54$2,164,442$1,157,348$949,594$1,990,175
55$2,348,206$1,177,049$944,397$2,131,984
56$2,549,548$1,196,549$937,859$2,286,784
57$2,770,225$1,215,803$929,900$2,455,872
58$3,012,170$1,234,760$920,434$2,640,676
59$3,277,514$1,253,366$909,372$2,842,772
60$3,568,604$1,271,564$896,619$3,063,894
61$3,888,023$1,289,292$882,077$3,305,957
62$4,238,619$1,306,485$865,644$3,571,066
63$4,623,528$1,323,072$847,213$3,861,545
64$5,046,203$1,338,978$826,669$4,179,953
65$5,510,449$1,354,122$803,897$4,529,111
66$6,020,459$1,368,418$778,771$4,912,127
67$6,580,851$1,381,775$751,165$5,332,428
68$7,196,710$1,394,095$720,942$5,793,790
69$7,873,643$1,405,274$687,962$6,300,373
70$8,617,824$1,415,201$652,077$6,856,765
71$9,436,054$1,423,758$613,134$7,468,019
72$10,335,829$1,430,820$570,972$8,139,707
73$11,325,406$1,436,253$525,422$8,877,967
74$12,413,883$1,439,914$476,309$9,689,567
75$13,611,283$1,441,654$423,449$10,581,964
76$14,928,649$1,441,311$366,650$11,563,378
77$16,378,151$1,438,715$305,713$12,642,867
78$17,973,196$1,433,685$240,428$13,830,414
79$19,728,557$1,426,030$170,576$15,137,024
80$21,660,510$1,415,546$95,931$16,574,823
81$23,786,991$1,402,017$16,254$18,157,177
82$26,127,762$1,385,214$0$19,898,817
83$28,704,598$1,364,894$0$21,823,316
84$31,541,494$1,340,800$0$23,943,557
85$34,664,887$1,312,660$0$26,277,552
86$38,103,911$1,280,185$0$28,847,065
87$41,890,665$1,243,070$0$31,676,082
88$46,060,524$1,200,991$0$34,791,034
89$50,652,464$1,153,607$0$38,221,050
90$55,709,435$1,100,554$0$41,998,232
91$61,278,766$1,041,449$0$46,157,957
92$67,412,609$975,888$0$50,739,212
93$74,168,430$903,442$0$55,784,963
94$81,609,557$823,658$0$61,342,558
95$89,805,771$736,056$0$67,464,178
96$98,833,968$640,132$0$74,207,331
97$108,778,884$535,349$0$81,635,388
98$119,733,892$421,143$0$89,818,192
99$131,801,887$296,918$0$98,832,708
100$145,096,255$162,042$0$108,763,758