Can I retire at age 44 with 1,570,000?

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 $1,570,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$129,649$128,494$127,368$126,268$125,194$123,019
2 years$64,183$62,987$61,829$60,706$59,616$57,432
3 years$42,363$41,163$40,007$38,895$37,823$35,697
4 years$31,456$30,259$29,115$28,021$26,976$24,925
5 years$24,913$23,724$22,595$21,523$20,506$18,537
6 years$20,553$19,372$18,260$17,212$16,226$14,340
7 years$17,439$16,269$15,174$14,151$13,196$11,394
8 years$15,105$13,945$12,869$11,871$10,947$9,229
9 years$13,291$12,142$11,084$10,111$9,219$7,583
10 years$11,840$10,702$9,663$8,716$7,855$6,300
11 years$10,654$9,528$8,507$7,586$6,756$5,280
12 years$9,667$8,552$7,550$6,654$5,854$4,456
13 years$8,831$7,728$6,745$5,874$5,105$3,782
14 years$8,116$7,025$6,061$5,214$4,475$3,225
15 years$7,497$6,417$5,472$4,650$3,940$2,760
16 years$6,956$5,888$4,961$4,164$3,482$2,371
17 years$6,479$5,422$4,515$3,741$3,088$2,041
18 years$6,055$5,010$4,121$3,372$2,746$1,762
19 years$5,676$4,644$3,773$3,047$2,447$1,524
20 years$5,336$4,315$3,462$2,759$2,186$1,320
21 years$5,028$4,019$3,185$2,504$1,956$1,145
22 years$4,749$3,752$2,935$2,277$1,753$995
23 years$4,495$3,509$2,710$2,074$1,574$865
24 years$4,262$3,288$2,506$1,891$1,415$753
25 years$4,048$3,085$2,321$1,727$1,273$656
26 years$3,850$2,900$2,153$1,579$1,147$571
27 years$3,668$2,729$1,999$1,446$1,034$498
28 years$3,499$2,572$1,859$1,324$933$435
29 years$3,342$2,426$1,730$1,215$842$380
30 years$3,196$2,291$1,611$1,115$761$331
31 years$3,059$2,166$1,502$1,024$688$290
32 years$2,931$2,049$1,401$941$622$253
33 years$2,812$1,941$1,308$865$563$221
34 years$2,699$1,839$1,223$796$510$193
35 years$2,593$1,745$1,143$733$462$169
36 years$2,494$1,656$1,069$675$419$148
37 years$2,399$1,573$1,001$622$379$129
38 years$2,310$1,495$937$573$344$113
39 years$2,226$1,421$878$528$312$99
40 years$2,146$1,352$823$487$283$87
41 years$2,071$1,287$772$450$257$76
42 years$1,999$1,226$724$415$233$66
43 years$1,930$1,168$679$383$211$58
44 years$1,865$1,113$638$354$192$51
45 years$1,803$1,062$599$327$174$45
46 years$1,744$1,013$562$302$158$39
47 years$1,688$967$528$279$144$34
48 years$1,634$923$496$258$130$30
49 years$1,582$881$467$238$118$26
50 years$1,533$842$439$220$108$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,570,000, adding $6,103 every year, while hoping to spend $25,747 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: 84/10/6 Blend
43$1,570,000$1,570,000$1,570,000$1,570,000
44$1,736,435$1,653,225$1,628,890$1,881,231
45$1,886,157$1,706,839$1,656,063$2,030,254
46$2,050,288$1,762,216$1,683,284$2,189,763
47$2,230,269$1,819,417$1,710,526$2,364,141
48$2,427,691$1,878,503$1,737,763$2,554,862
49$2,644,302$1,939,537$1,764,965$2,763,552
50$2,882,031$2,002,584$1,792,102$2,992,000
51$3,143,001$2,067,713$1,819,140$3,242,177
52$3,429,551$2,134,994$1,846,044$3,516,252
53$3,744,256$2,204,500$1,872,778$3,816,616
54$4,089,955$2,276,306$1,899,301$4,145,903
55$4,469,774$2,350,489$1,925,572$4,507,010
56$4,887,159$2,427,130$1,951,546$4,903,134
57$5,345,903$2,506,313$1,977,176$5,337,792
58$5,850,187$2,588,125$2,002,414$5,814,861
59$6,404,616$2,672,653$2,027,205$6,338,609
60$7,014,265$2,759,991$2,051,494$6,913,740
61$7,684,724$2,850,235$2,075,223$7,545,436
62$8,422,153$2,943,483$2,098,330$8,239,405
63$9,233,337$3,039,838$2,120,749$9,001,935
64$10,125,754$3,139,407$2,142,411$9,839,955
65$11,107,642$3,242,299$2,163,243$10,761,099
66$12,188,078$3,348,628$2,183,168$11,773,775
67$13,377,064$3,458,513$2,202,105$12,887,249
68$14,685,618$3,572,074$2,219,970$14,111,730
69$16,125,884$3,689,439$2,236,672$15,458,466
70$17,711,241$3,810,738$2,252,117$16,939,850
71$19,456,431$3,936,107$2,266,206$18,569,535
72$21,377,697$4,065,686$2,278,834$20,362,567
73$23,492,938$4,199,621$2,289,891$22,335,524
74$25,821,878$4,338,063$2,299,263$24,506,671
75$28,386,248$4,481,166$2,306,827$26,896,135
76$31,209,997$4,629,094$2,312,456$29,526,091
77$34,319,510$4,782,014$2,316,017$32,420,977
78$37,743,866$4,940,098$2,317,370$35,607,717
79$41,515,105$5,103,528$2,316,366$39,115,981
80$45,668,533$5,272,488$2,312,852$42,978,462
81$50,243,055$5,447,172$2,306,665$47,231,183
82$55,281,544$5,627,780$2,297,635$51,913,841
83$60,831,240$5,814,520$2,285,584$57,070,177
84$66,944,200$6,007,606$2,270,325$62,748,390
85$73,677,790$6,207,260$2,251,662$69,001,594
86$81,095,223$6,413,713$2,229,391$75,888,315
87$89,266,156$6,627,206$2,203,296$83,473,047
88$98,267,350$6,847,985$2,173,152$91,826,856
89$108,183,391$7,076,307$2,138,724$101,028,056
90$119,107,490$7,312,440$2,099,765$111,162,944
91$131,142,363$7,556,659$2,056,016$122,326,614
92$144,401,200$7,809,251$2,007,209$134,623,857
93$159,008,731$8,070,512$1,953,059$148,170,148
94$175,102,406$8,340,752$1,893,271$163,092,736
95$192,833,692$8,620,289$1,827,536$179,531,845
96$212,369,500$8,909,455$1,755,530$197,641,997
97$233,893,765$9,208,594$1,676,915$217,593,471
98$257,609,175$9,518,061$1,591,338$239,573,910
99$283,739,092$9,838,227$1,498,429$263,790,089
100$312,529,654$10,169,476$1,397,802$290,469,871