Can I retire at age 44 with 1,770,000?

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 $1,770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$146,165$144,863$143,593$142,353$141,142$139,552
2 years$72,359$71,011$69,705$68,439$67,211$65,610
3 years$47,760$46,407$45,104$43,849$42,641$41,079
4 years$35,463$34,114$32,824$31,591$30,412$28,901
5 years$28,087$26,746$25,473$24,265$23,119$21,664
6 years$23,171$21,840$20,586$19,405$18,293$16,895
7 years$19,661$18,341$17,107$15,954$14,877$13,537
8 years$17,030$15,722$14,508$13,383$12,342$11,060
9 years$14,984$13,689$12,496$11,400$10,394$9,169
10 years$13,349$12,066$10,894$9,827$8,856$7,687
11 years$12,012$10,741$9,591$8,552$7,616$6,503
12 years$10,898$9,641$8,512$7,501$6,600$5,541
13 years$9,957$8,713$7,605$6,623$5,756$4,749
14 years$9,150$7,920$6,833$5,879$5,045$4,091
15 years$8,452$7,235$6,169$5,243$4,442$3,538
16 years$7,842$6,638$5,593$4,694$3,926$3,070
17 years$7,304$6,113$5,090$4,218$3,481$2,672
18 years$6,826$5,649$4,646$3,801$3,095$2,331
19 years$6,399$5,235$4,253$3,435$2,759$2,038
20 years$6,016$4,865$3,904$3,111$2,464$1,785
21 years$5,669$4,531$3,590$2,823$2,205$1,566
22 years$5,354$4,230$3,309$2,567$1,977$1,376
23 years$5,067$3,956$3,055$2,338$1,774$1,211
24 years$4,805$3,707$2,826$2,132$1,595$1,066
25 years$4,563$3,478$2,617$1,947$1,435$939
26 years$4,341$3,269$2,427$1,780$1,293$829
27 years$4,135$3,077$2,254$1,630$1,166$731
28 years$3,945$2,899$2,095$1,493$1,052$646
29 years$3,768$2,735$1,950$1,369$950$571
30 years$3,603$2,583$1,816$1,257$858$505
31 years$3,449$2,442$1,693$1,154$776$446
32 years$3,305$2,310$1,580$1,061$702$395
33 years$3,170$2,188$1,475$975$635$350
34 years$3,043$2,074$1,378$897$575$309
35 years$2,924$1,967$1,289$826$521$274
36 years$2,811$1,867$1,205$761$472$243
37 years$2,705$1,773$1,128$701$428$215
38 years$2,605$1,685$1,057$646$388$191
39 years$2,510$1,602$990$596$352$169
40 years$2,420$1,524$928$550$319$150
41 years$2,335$1,451$870$507$289$133
42 years$2,253$1,382$816$468$263$118
43 years$2,176$1,317$766$432$238$104
44 years$2,103$1,255$719$399$216$93
45 years$2,033$1,197$675$368$196$82
46 years$1,966$1,142$634$340$178$73
47 years$1,903$1,090$596$314$162$65
48 years$1,842$1,040$560$290$147$57
49 years$1,784$993$526$268$134$51
50 years$1,728$949$495$248$121$45

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,770,000, adding $4,326 every year, while hoping to spend $28,310 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: 86/7/7 Blend
43$1,770,000$1,770,000$1,770,000$1,770,000
44$1,955,002$1,861,192$1,833,757$2,121,708
45$2,124,291$1,922,269$1,865,067$2,292,130
46$2,309,898$1,985,390$1,896,476$2,475,029
47$2,513,459$2,050,625$1,927,959$2,675,107
48$2,736,773$2,118,047$1,959,486$2,894,072
49$2,981,823$2,187,731$1,991,029$3,133,808
50$3,250,795$2,259,755$2,022,554$3,396,388
51$3,546,094$2,334,201$2,054,028$3,684,095
52$3,870,370$2,411,152$2,085,413$3,999,447
53$4,226,544$2,490,694$2,116,670$4,345,212
54$4,617,832$2,572,918$2,147,758$4,724,443
55$5,047,776$2,657,917$2,178,634$5,140,503
56$5,520,281$2,745,787$2,209,250$5,597,093
57$6,039,647$2,836,628$2,239,557$6,098,295
58$6,610,612$2,930,543$2,269,503$6,648,601
59$7,238,395$3,027,640$2,299,032$7,252,962
60$7,928,747$3,128,030$2,328,085$7,916,833
61$8,688,004$3,231,829$2,356,601$8,646,222
62$9,523,147$3,339,155$2,384,514$9,447,750
63$10,441,867$3,450,132$2,411,754$10,328,709
64$11,452,638$3,564,890$2,438,248$11,297,136
65$12,564,797$3,683,560$2,463,920$12,361,882
66$13,788,633$3,806,280$2,488,687$13,532,704
67$15,135,479$3,933,194$2,512,464$14,820,347
68$16,617,827$4,064,449$2,535,161$16,236,653
69$18,249,438$4,200,200$2,556,681$17,794,670
70$20,045,476$4,340,605$2,576,926$19,508,772
71$22,022,650$4,485,830$2,595,788$21,394,800
72$24,199,370$4,636,045$2,613,156$23,470,207
73$26,595,923$4,791,429$2,628,915$25,754,223
74$29,234,664$4,952,166$2,642,940$28,268,040
75$32,140,224$5,118,447$2,655,103$31,035,005
76$35,339,746$5,290,469$2,665,267$34,080,847
77$38,863,136$5,468,439$2,673,291$37,433,916
78$42,743,353$5,652,569$2,679,023$41,125,450
79$47,016,712$5,843,082$2,682,307$45,189,871
80$51,723,230$6,040,206$2,682,977$49,665,110
81$56,907,003$6,244,179$2,680,860$54,592,963
82$62,616,623$6,455,250$2,675,775$60,019,486
83$68,905,635$6,673,674$2,667,530$65,995,430
84$75,833,043$6,899,717$2,655,926$72,576,720
85$83,463,866$7,133,656$2,640,752$79,824,982
86$91,869,753$7,375,777$2,621,789$87,808,123
87$101,129,656$7,626,378$2,598,807$96,600,973
88$111,330,578$7,885,769$2,571,565$106,285,994
89$122,568,394$8,154,268$2,539,809$116,954,052
90$134,948,753$8,432,211$2,503,276$128,705,280
91$148,588,078$8,719,941$2,461,688$141,650,019
92$163,614,663$9,017,819$2,414,755$155,909,861
93$180,169,883$9,326,217$2,362,174$171,618,797
94$198,409,531$9,645,521$2,303,627$188,924,480
95$218,505,287$9,976,135$2,238,782$207,989,620
96$240,646,335$10,318,475$2,167,291$228,993,519
97$265,041,157$10,672,976$2,088,790$252,133,763
98$291,919,490$11,040,087$2,002,900$277,628,085
99$321,534,504$11,420,277$1,909,222$305,716,425
100$354,165,184$11,814,031$1,807,343$336,663,190