Can I retire at age 44 with 1,730,000?

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 $1,730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$142,862$141,589$140,348$139,136$137,953$134,727
2 years$70,724$69,406$68,130$66,892$65,692$62,460
3 years$46,681$45,358$44,085$42,859$41,678$38,541
4 years$34,662$33,343$32,082$30,877$29,725$26,708
5 years$27,452$26,141$24,897$23,717$22,596$19,707
6 years$22,647$21,346$20,121$18,966$17,880$15,121
7 years$19,217$17,927$16,720$15,593$14,541$11,914
8 years$16,645$15,366$14,180$13,081$12,063$9,566
9 years$14,646$13,379$12,213$11,142$10,159$7,790
10 years$13,047$11,793$10,648$9,604$8,656$6,412
11 years$11,740$10,499$9,374$8,359$7,444$5,323
12 years$10,652$9,423$8,319$7,332$6,451$4,449
13 years$9,732$8,516$7,433$6,473$5,626$3,739
14 years$8,943$7,741$6,678$5,746$4,931$3,156
15 years$8,261$7,071$6,030$5,124$4,342$2,673
16 years$7,665$6,488$5,467$4,588$3,837$2,272
17 years$7,139$5,975$4,975$4,123$3,402$1,935
18 years$6,672$5,521$4,541$3,715$3,025$1,652
19 years$6,255$5,117$4,157$3,357$2,697$1,413
20 years$5,880$4,755$3,815$3,040$2,409$1,210
21 years$5,541$4,429$3,509$2,759$2,155$1,038
22 years$5,233$4,134$3,234$2,509$1,932$891
23 years$4,953$3,867$2,986$2,285$1,734$766
24 years$4,696$3,623$2,762$2,084$1,559$659
25 years$4,460$3,400$2,558$1,903$1,403$567
26 years$4,243$3,195$2,372$1,740$1,264$488
27 years$4,042$3,007$2,203$1,593$1,139$421
28 years$3,856$2,834$2,048$1,459$1,028$363
29 years$3,683$2,673$1,906$1,338$928$313
30 years$3,522$2,525$1,775$1,228$839$270
31 years$3,371$2,387$1,655$1,128$758$233
32 years$3,230$2,258$1,544$1,037$686$201
33 years$3,098$2,139$1,442$953$621$173
34 years$2,974$2,027$1,347$877$562$150
35 years$2,858$1,922$1,259$807$509$129
36 years$2,748$1,825$1,178$744$461$112
37 years$2,644$1,733$1,103$685$418$96
38 years$2,546$1,647$1,033$632$379$83
39 years$2,453$1,566$968$582$344$72
40 years$2,365$1,490$907$537$312$62
41 years$2,282$1,418$850$496$283$54
42 years$2,203$1,351$798$457$257$46
43 years$2,127$1,287$748$422$233$40
44 years$2,055$1,227$703$390$211$35
45 years$1,987$1,170$660$360$192$30
46 years$1,922$1,116$620$333$174$26
47 years$1,860$1,065$582$307$158$22
48 years$1,800$1,017$547$284$144$19
49 years$1,743$971$514$262$130$17
50 years$1,689$927$483$242$119$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,730,000, adding $2,425 every year, while hoping to spend $20,036 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: 34/37/29 Blend
43$1,730,000$1,730,000$1,730,000$1,730,000
44$1,908,961$1,817,271$1,790,456$1,957,057
45$2,082,357$1,885,000$1,829,119$2,061,390
46$2,272,768$1,955,375$1,868,404$2,171,864
47$2,481,908$2,028,506$1,908,314$2,290,614
48$2,711,666$2,104,506$1,948,845$2,418,390
49$2,964,122$2,183,493$1,989,998$2,556,017
50$3,241,568$2,265,590$2,031,769$2,704,402
51$3,546,530$2,350,926$2,074,155$2,864,539
52$3,881,789$2,439,634$2,117,152$3,037,522
53$4,250,410$2,531,854$2,160,755$3,224,551
54$4,655,770$2,627,733$2,204,958$3,426,947
55$5,101,589$2,727,422$2,249,754$3,646,160
56$5,591,965$2,831,081$2,295,136$3,883,786
57$6,131,416$2,938,874$2,341,093$4,141,578
58$6,724,916$3,050,974$2,387,615$4,421,465
59$7,377,948$3,167,562$2,434,691$4,725,566
60$8,096,553$3,288,827$2,482,307$5,056,216
61$8,887,386$3,414,964$2,530,449$5,415,979
62$9,757,781$3,546,179$2,579,101$5,807,677
63$10,715,818$3,682,686$2,628,245$6,234,418
64$11,770,402$3,824,708$2,677,861$6,699,616
65$12,931,343$3,972,479$2,727,930$7,207,034
66$14,209,452$4,126,242$2,778,427$7,760,808
67$15,616,639$4,286,251$2,829,327$8,365,494
68$17,166,031$4,452,772$2,880,604$9,026,103
69$18,872,090$4,626,082$2,932,229$9,748,155
70$20,750,754$4,806,471$2,984,169$10,537,723
71$22,819,584$4,994,240$3,036,392$11,401,494
72$25,097,930$5,189,707$3,088,859$12,346,830
73$27,607,116$5,393,200$3,141,533$13,381,838
74$30,370,639$5,605,063$3,194,372$14,515,442
75$33,414,390$5,825,658$3,247,329$15,757,469
76$36,766,901$6,055,358$3,300,358$17,118,742
77$40,459,613$6,294,558$3,353,407$18,611,177
78$44,527,169$6,543,667$3,406,422$20,247,898
79$49,007,747$6,803,113$3,459,344$22,043,358
80$53,943,416$7,073,345$3,512,111$24,013,475
81$59,380,535$7,354,830$3,564,658$26,175,781
82$65,370,190$7,648,056$3,616,914$28,549,585
83$71,968,673$7,953,535$3,668,805$31,156,156
84$79,238,020$8,271,801$3,720,252$34,018,919
85$87,246,590$8,603,410$3,771,172$37,163,679
86$96,069,711$8,948,947$3,821,475$40,618,862
87$105,790,396$9,309,020$3,871,069$44,415,777
88$116,500,121$9,684,266$3,919,854$48,588,917
89$128,299,689$10,075,351$3,967,725$53,176,278
90$141,300,185$10,482,971$4,014,571$58,219,718
91$155,624,020$10,907,852$4,060,276$63,765,349
92$171,406,089$11,350,756$4,104,714$69,863,973
93$188,795,045$11,812,478$4,147,757$76,571,556
94$207,954,698$12,293,849$4,189,266$83,949,756
95$229,065,567$12,795,737$4,229,096$92,066,504
96$252,326,579$13,319,051$4,267,094$100,996,640
97$277,956,947$13,864,742$4,303,099$110,822,621
98$306,198,245$14,433,804$4,336,942$121,635,294
99$337,316,680$15,027,274$4,368,444$133,534,752
100$371,605,612$15,646,241$4,397,417$146,631,276