Can I retire at age 44 with 1,800,000?

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 $1,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$148,642$147,318$146,027$144,766$143,535$141,331
2 years$73,585$72,215$70,887$69,599$68,350$66,135
3 years$48,570$47,193$45,868$44,593$43,364$41,207
4 years$36,064$34,692$33,380$32,127$30,928$28,845
5 years$28,563$27,199$25,905$24,676$23,511$21,509
6 years$23,564$22,210$20,935$19,734$18,603$16,684
7 years$19,994$18,652$17,397$16,224$15,129$13,293
8 years$17,318$15,988$14,754$13,610$12,551$10,798
9 years$15,238$13,921$12,708$11,593$10,570$8,899
10 years$13,575$12,270$11,079$9,993$9,006$7,416
11 years$12,215$10,924$9,754$8,697$7,746$6,235
12 years$11,083$9,804$8,656$7,628$6,712$5,279
13 years$10,125$8,860$7,734$6,735$5,853$4,495
14 years$9,305$8,054$6,949$5,978$5,131$3,846
15 years$8,595$7,357$6,274$5,332$4,518$3,303
16 years$7,975$6,750$5,688$4,774$3,993$2,847
17 years$7,428$6,217$5,176$4,289$3,540$2,460
18 years$6,942$5,744$4,725$3,866$3,148$2,131
19 years$6,508$5,324$4,325$3,493$2,806$1,850
20 years$6,118$4,947$3,970$3,163$2,506$1,608
21 years$5,765$4,608$3,651$2,871$2,243$1,401
22 years$5,445$4,302$3,365$2,610$2,010$1,221
23 years$5,153$4,023$3,107$2,377$1,804$1,066
24 years$4,886$3,769$2,874$2,168$1,622$931
25 years$4,641$3,537$2,662$1,980$1,459$814
26 years$4,415$3,325$2,468$1,811$1,315$713
27 years$4,206$3,129$2,292$1,657$1,185$624
28 years$4,012$2,948$2,131$1,518$1,069$547
29 years$3,832$2,781$1,983$1,392$966$479
30 years$3,664$2,627$1,847$1,278$873$420
31 years$3,507$2,483$1,722$1,174$789$369
32 years$3,361$2,350$1,607$1,079$714$323
33 years$3,224$2,225$1,500$992$646$284
34 years$3,095$2,109$1,402$913$585$249
35 years$2,973$2,000$1,310$840$530$219
36 years$2,859$1,898$1,226$774$480$192
37 years$2,751$1,803$1,147$713$435$169
38 years$2,649$1,714$1,074$657$394$148
39 years$2,552$1,629$1,007$606$358$130
40 years$2,461$1,550$944$559$324$115
41 years$2,374$1,476$885$516$294$101
42 years$2,292$1,405$830$476$267$89
43 years$2,213$1,339$779$439$242$78
44 years$2,139$1,276$731$406$220$68
45 years$2,068$1,217$686$375$200$60
46 years$2,000$1,161$645$346$181$53
47 years$1,935$1,108$606$320$165$46
48 years$1,873$1,058$569$295$149$41
49 years$1,814$1,010$535$273$136$36
50 years$1,757$965$503$252$123$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,800,000, adding $4,966 every year, while hoping to spend $49,561 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: 70/15/15 Blend
43$1,800,000$1,800,000$1,800,000$1,800,000
44$1,988,722$1,893,322$1,865,422$2,120,773
45$2,138,840$1,933,363$1,875,182$2,249,233
46$2,302,608$1,973,704$1,883,607$2,383,357
47$2,481,367$2,014,308$1,890,600$2,528,868
48$2,676,592$2,055,135$1,896,061$2,686,884
49$2,889,907$2,096,139$1,899,882$2,858,632
50$3,123,099$2,137,272$1,901,950$3,045,467
51$3,378,138$2,178,481$1,902,148$3,248,881
52$3,657,189$2,219,708$1,900,351$3,470,518
53$3,962,641$2,260,892$1,896,431$3,712,188
54$4,297,119$2,301,964$1,890,250$3,975,888
55$4,663,518$2,342,854$1,881,667$4,263,815
56$5,065,025$2,383,482$1,870,530$4,578,394
57$5,505,149$2,423,764$1,856,685$4,922,293
58$5,987,756$2,463,610$1,839,965$5,298,456
59$6,517,102$2,502,922$1,820,200$5,710,124
60$7,097,878$2,541,597$1,797,208$6,160,870
61$7,735,248$2,579,521$1,770,801$6,654,632
62$8,434,901$2,616,576$1,740,780$7,195,750
63$9,203,105$2,652,632$1,706,940$7,789,006
64$10,046,763$2,687,552$1,669,064$8,439,669
65$10,973,479$2,721,188$1,626,924$9,153,549
66$11,991,632$2,753,384$1,580,284$9,937,046
67$13,110,450$2,783,972$1,528,895$10,797,216
68$14,340,101$2,812,772$1,472,498$11,741,833
69$15,691,787$2,839,593$1,410,823$12,779,467
70$17,177,849$2,864,233$1,343,584$13,919,561
71$18,811,881$2,886,472$1,270,487$15,172,523
72$20,608,865$2,906,081$1,191,220$16,549,825
73$22,585,303$2,922,813$1,105,460$18,064,109
74$24,759,380$2,936,407$1,012,868$19,729,309
75$27,151,130$2,946,583$913,092$21,560,780
76$29,782,626$2,953,047$805,761$23,575,447
77$32,678,190$2,955,482$690,491$25,791,962
78$35,864,620$2,953,556$566,877$28,230,884
79$39,371,444$2,946,913$434,500$30,914,868
80$43,231,196$2,935,176$292,920$33,868,885
81$47,479,724$2,917,946$141,680$37,120,454
82$52,156,529$2,894,798$0$40,699,906
83$57,305,135$2,865,284$0$44,643,824
84$62,973,501$2,828,925$0$49,010,296
85$69,214,472$2,785,216$0$53,817,307
86$76,086,279$2,733,623$0$59,109,691
87$83,653,087$2,673,577$0$64,936,856
88$91,985,598$2,604,479$0$71,353,247
89$101,161,721$2,525,691$0$78,418,863
90$111,267,308$2,436,541$0$86,199,821
91$122,396,958$2,336,316$0$94,768,985
92$134,654,914$2,224,262$0$104,206,648
93$148,156,046$2,099,581$0$114,601,294
94$163,026,933$1,961,431$0$126,050,434
95$179,407,057$1,808,919$0$138,661,523
96$197,450,123$1,641,102$0$152,552,980
97$217,325,504$1,456,984$0$167,855,302
98$239,219,840$1,255,511$0$184,712,298
99$263,338,804$1,035,571$0$203,282,446
100$289,909,035$795,987$0$223,740,393