Can I retire at age 44 with 1,810,000?

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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$149,468$148,137$146,838$145,570$144,332$138,551
2 years$73,994$72,616$71,280$69,986$68,729$62,978
3 years$48,839$47,455$46,123$44,840$43,605$38,063
4 years$36,265$34,885$33,566$32,305$31,099$25,810
5 years$28,722$27,350$26,048$24,813$23,641$18,618
6 years$23,695$22,333$21,051$19,843$18,706$13,953
7 years$20,105$18,756$17,494$16,314$15,213$10,727
8 years$17,414$16,077$14,836$13,686$12,621$8,397
9 years$15,323$13,998$12,778$11,657$10,629$6,661
10 years$13,650$12,338$11,140$10,049$9,056$5,337
11 years$12,283$10,984$9,808$8,745$7,789$4,309
12 years$11,144$9,859$8,704$7,671$6,749$3,500
13 years$10,182$8,909$7,777$6,772$5,886$2,857
14 years$9,357$8,098$6,987$6,012$5,159$2,341
15 years$8,643$7,398$6,309$5,361$4,543$1,923
16 years$8,019$6,788$5,720$4,800$4,015$1,584
17 years$7,469$6,251$5,205$4,313$3,560$1,308
18 years$6,980$5,776$4,751$3,887$3,165$1,081
19 years$6,544$5,353$4,349$3,512$2,821$895
20 years$6,152$4,975$3,992$3,181$2,520$742
21 years$5,797$4,634$3,672$2,887$2,255$616
22 years$5,475$4,325$3,384$2,625$2,021$511
23 years$5,182$4,045$3,124$2,391$1,815$425
24 years$4,913$3,790$2,890$2,180$1,631$353
25 years$4,666$3,557$2,676$1,991$1,468$294
26 years$4,439$3,343$2,482$1,821$1,322$244
27 years$4,229$3,146$2,305$1,666$1,192$203
28 years$4,034$2,965$2,143$1,527$1,075$169
29 years$3,853$2,797$1,994$1,400$971$141
30 years$3,684$2,641$1,857$1,285$877$117
31 years$3,527$2,497$1,732$1,180$793$98
32 years$3,380$2,363$1,616$1,085$718$81
33 years$3,241$2,237$1,508$997$649$68
34 years$3,112$2,121$1,409$918$588$56
35 years$2,990$2,011$1,318$845$533$47
36 years$2,875$1,909$1,233$778$483$39
37 years$2,766$1,813$1,154$717$437$33
38 years$2,664$1,723$1,080$661$396$27
39 years$2,567$1,639$1,012$609$360$23
40 years$2,475$1,559$949$562$326$19
41 years$2,387$1,484$890$518$296$16
42 years$2,304$1,413$835$478$268$13
43 years$2,226$1,347$783$442$244$11
44 years$2,151$1,284$735$408$221$9
45 years$2,079$1,224$690$377$201$8
46 years$2,011$1,168$648$348$182$6
47 years$1,946$1,114$609$321$166$5
48 years$1,884$1,064$572$297$150$4
49 years$1,824$1,016$538$274$137$4
50 years$1,767$970$506$254$124$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,810,000, adding $4,819 every year, while hoping to spend $52,714 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: 73/17/10 Blend
43$1,810,000$1,810,000$1,810,000$1,810,000
44$1,999,591$1,903,661$1,875,606$2,141,486
45$2,147,462$1,940,853$1,882,351$2,273,032
46$2,308,649$1,978,101$1,887,556$2,410,033
47$2,484,455$2,015,351$1,891,113$2,558,629
48$2,676,313$2,052,547$1,892,909$2,719,952
49$2,885,801$2,089,627$1,892,826$2,895,248
50$3,114,658$2,126,523$1,890,740$3,085,890
51$3,364,794$2,163,164$1,886,522$3,293,391
52$3,638,317$2,199,473$1,880,033$3,519,417
53$3,937,543$2,235,365$1,871,133$3,765,802
54$4,265,027$2,270,752$1,859,670$4,034,570
55$4,623,578$2,305,537$1,845,487$4,327,949
56$5,016,292$2,339,618$1,828,420$4,648,393
57$5,446,578$2,372,883$1,808,297$4,998,608
58$5,918,190$2,405,215$1,784,935$5,381,573
59$6,435,262$2,436,488$1,758,148$5,800,573
60$7,002,348$2,466,565$1,727,735$6,259,226
61$7,624,464$2,495,303$1,693,490$6,761,522
62$8,307,134$2,522,547$1,655,196$7,311,853
63$9,056,442$2,548,133$1,612,626$7,915,062
64$9,879,093$2,571,885$1,565,543$8,576,487
65$10,782,469$2,593,615$1,513,697$9,302,008
66$11,774,704$2,613,126$1,456,829$10,098,107
67$12,864,758$2,630,204$1,394,667$10,971,925
68$14,062,503$2,644,623$1,326,928$11,931,334
69$15,378,811$2,656,143$1,253,314$12,985,009
70$16,825,665$2,664,509$1,173,514$14,142,509
71$18,416,261$2,669,448$1,087,205$15,414,372
72$20,165,141$2,670,672$994,048$16,812,207
73$22,088,325$2,667,875$893,688$18,348,812
74$24,203,463$2,660,730$785,756$20,038,290
75$26,530,003$2,648,892$669,865$21,896,184
76$29,089,370$2,631,994$545,612$23,939,623
77$31,905,171$2,609,647$412,576$26,187,486
78$35,003,418$2,581,440$270,316$28,660,580
79$38,412,769$2,546,933$118,375$31,381,833
80$42,164,803$2,505,664$0$34,376,518
81$46,294,313$2,457,142$0$37,677,157
82$50,839,638$2,400,846$0$41,323,557
83$55,843,019$2,336,226$0$45,336,957
84$61,351,004$2,262,698$0$49,754,700
85$67,414,881$2,179,645$0$54,617,934
86$74,091,166$2,086,414$0$59,972,007
87$81,442,130$1,982,314$0$65,866,891
88$89,536,393$1,866,613$0$72,357,657
89$98,449,567$1,738,539$0$79,504,994
90$108,264,968$1,597,273$0$87,375,781
91$119,074,408$1,441,952$0$96,043,721
92$130,979,052$1,271,663$0$105,590,037
93$144,090,381$1,085,439$0$116,104,237
94$158,531,236$882,262$0$127,684,959
95$174,436,982$661,053$0$140,440,909
96$191,956,785$420,676$0$154,491,880
97$211,255,016$159,927$0$169,969,888
98$232,512,803$0$0$187,020,417
99$255,929,743$0$0$205,826,703
100$281,725,780$0$0$226,576,739