Can I retire at age 44 with 1,830,000?

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 $1,830,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$151,120$149,774$148,460$147,178$145,927$140,749
2 years$74,812$73,418$72,068$70,759$69,489$64,328
3 years$49,379$47,980$46,633$45,336$44,087$39,104
4 years$36,665$35,270$33,937$32,662$31,443$26,677
5 years$29,039$27,652$26,336$25,088$23,902$19,366
6 years$23,956$22,580$21,284$20,063$18,913$14,609
7 years$20,327$18,963$17,687$16,495$15,381$11,309
8 years$17,607$16,255$15,000$13,837$12,760$8,916
9 years$15,492$14,153$12,919$11,786$10,746$7,125
10 years$13,801$12,475$11,263$10,160$9,156$5,753
11 years$12,419$11,106$9,916$8,842$7,875$4,681
12 years$11,267$9,968$8,800$7,756$6,824$3,833
13 years$10,294$9,008$7,862$6,847$5,951$3,154
14 years$9,460$8,188$7,064$6,078$5,216$2,606
15 years$8,739$7,480$6,378$5,421$4,593$2,160
16 years$8,108$6,863$5,783$4,853$4,059$1,795
17 years$7,551$6,320$5,262$4,361$3,599$1,495
18 years$7,058$5,840$4,804$3,930$3,200$1,247
19 years$6,616$5,413$4,398$3,551$2,852$1,042
20 years$6,220$5,030$4,036$3,216$2,548$872
21 years$5,861$4,685$3,712$2,919$2,280$730
22 years$5,536$4,373$3,421$2,654$2,044$612
23 years$5,239$4,090$3,159$2,417$1,835$513
24 years$4,967$3,832$2,922$2,204$1,649$431
25 years$4,718$3,596$2,706$2,013$1,484$361
26 years$4,488$3,380$2,510$1,841$1,337$304
27 years$4,276$3,181$2,330$1,685$1,205$255
28 years$4,079$2,997$2,166$1,544$1,087$214
29 years$3,896$2,828$2,016$1,416$982$180
30 years$3,725$2,670$1,878$1,299$887$152
31 years$3,566$2,524$1,751$1,193$802$127
32 years$3,417$2,389$1,633$1,097$726$107
33 years$3,277$2,262$1,525$1,008$657$90
34 years$3,146$2,144$1,425$928$594$76
35 years$3,023$2,034$1,332$854$538$64
36 years$2,906$1,930$1,246$787$488$54
37 years$2,797$1,833$1,167$725$442$45
38 years$2,693$1,742$1,092$668$401$38
39 years$2,595$1,657$1,023$616$364$32
40 years$2,502$1,576$959$568$330$27
41 years$2,414$1,500$899$524$299$23
42 years$2,330$1,429$844$484$271$19
43 years$2,250$1,361$792$447$246$16
44 years$2,174$1,298$743$412$224$14
45 years$2,102$1,237$698$381$203$11
46 years$2,033$1,181$655$352$184$10
47 years$1,967$1,127$616$325$167$8
48 years$1,904$1,075$579$300$152$7
49 years$1,844$1,027$544$278$138$6
50 years$1,787$981$511$257$125$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,830,000, adding $6,092 every year, while hoping to spend $40,443 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: 60/17/23 Blend
43$1,830,000$1,830,000$1,830,000$1,830,000
44$2,022,944$1,925,954$1,897,589$2,131,607
45$2,186,253$1,977,295$1,918,127$2,257,433
46$2,364,864$2,029,796$1,937,998$2,389,722
47$2,560,296$2,083,471$1,957,136$2,533,170
48$2,774,219$2,138,334$1,975,473$2,688,870
49$3,008,475$2,194,398$1,992,937$2,858,024
50$3,265,090$2,251,674$2,009,451$3,041,956
51$3,546,298$2,310,174$2,024,936$3,242,126
52$3,854,555$2,369,908$2,039,307$3,460,141
53$4,192,571$2,430,885$2,052,475$3,697,771
54$4,563,328$2,493,112$2,064,347$3,956,968
55$4,970,109$2,556,597$2,074,825$4,239,882
56$5,416,534$2,621,344$2,083,805$4,548,882
57$5,906,588$2,687,357$2,091,180$4,886,578
58$6,444,660$2,754,638$2,096,835$5,255,846
59$7,035,588$2,823,188$2,100,651$5,659,856
60$7,684,697$2,893,003$2,102,502$6,102,099
61$8,397,858$2,964,082$2,102,257$6,586,424
62$9,181,534$3,036,416$2,099,777$7,117,073
63$10,042,849$3,109,999$2,094,918$7,698,718
64$10,989,649$3,184,818$2,087,527$8,336,511
65$12,030,579$3,260,860$2,077,445$9,036,127
66$13,175,163$3,338,108$2,064,505$9,803,820
67$14,433,895$3,416,541$2,048,532$10,646,485
68$15,818,337$3,496,135$2,029,342$11,571,717
69$17,341,225$3,576,864$2,006,742$12,587,889
70$19,016,594$3,658,694$1,980,532$13,704,226
71$20,859,907$3,741,592$1,950,501$14,930,897
72$22,888,203$3,825,515$1,916,428$16,279,107
73$25,120,254$3,910,419$1,878,082$17,761,206
74$27,576,743$3,996,252$1,835,221$19,390,805
75$30,280,462$4,082,960$1,787,593$21,182,903
76$33,256,524$4,170,480$1,734,932$23,154,030
77$36,532,598$4,258,743$1,676,961$25,322,404
78$40,139,176$4,347,674$1,613,392$27,708,104
79$44,109,852$4,437,190$1,543,921$30,333,256
80$48,481,647$4,527,202$1,468,232$33,222,247
81$53,295,351$4,617,611$1,385,994$36,401,953
82$58,595,913$4,708,310$1,296,861$39,901,991
83$64,432,862$4,799,183$1,200,472$43,755,005
84$70,860,776$4,890,105$1,096,449$47,996,969
85$77,939,792$4,980,938$984,398$52,667,529
86$85,736,182$5,071,535$863,906$57,810,379
87$94,322,970$5,161,737$734,544$63,473,671
88$103,780,623$5,251,372$595,861$69,710,476
89$114,197,813$5,340,256$447,389$76,579,278
90$125,672,251$5,428,189$288,638$84,144,531
91$138,311,609$5,514,959$119,096$92,477,270
92$152,234,536$5,600,335$0$101,655,777
93$167,571,779$5,684,072$0$111,781,502
94$184,467,414$5,765,905$0$122,966,526
95$203,080,208$5,845,552$0$135,286,515
96$223,585,117$5,922,711$0$148,857,094
97$246,174,934$5,997,059$0$163,805,682
98$271,062,113$6,068,251$0$180,272,689
99$298,480,770$6,135,917$0$198,412,846
100$328,688,895$6,199,663$0$218,396,666