Can I retire at age 44 with 1,850,000?

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 $1,850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$152,771$151,410$150,083$148,787$147,522$146,900
2 years$75,629$74,221$72,856$71,532$70,248$69,621
3 years$49,919$48,504$47,142$45,831$44,568$43,954
4 years$37,066$35,656$34,308$33,019$31,787$31,191
5 years$29,356$27,954$26,624$25,362$24,164$23,588
6 years$24,218$22,827$21,516$20,282$19,120$18,565
7 years$20,550$19,170$17,880$16,675$15,550$15,015
8 years$17,799$16,432$15,164$13,988$12,900$12,387
9 years$15,661$14,307$13,061$11,915$10,864$10,371
10 years$13,952$12,611$11,386$10,271$9,256$8,785
11 years$12,554$11,227$10,024$8,939$7,961$7,510
12 years$11,391$10,077$8,896$7,840$6,899$6,468
13 years$10,407$9,106$7,948$6,922$6,016$5,604
14 years$9,564$8,277$7,142$6,144$5,273$4,881
15 years$8,834$7,562$6,448$5,480$4,643$4,270
16 years$8,196$6,938$5,846$4,907$4,104$3,748
17 years$7,634$6,389$5,320$4,408$3,638$3,301
18 years$7,135$5,904$4,856$3,973$3,235$2,915
19 years$6,689$5,472$4,446$3,590$2,884$2,580
20 years$6,288$5,085$4,080$3,251$2,576$2,288
21 years$5,925$4,736$3,753$2,951$2,305$2,033
22 years$5,596$4,421$3,459$2,683$2,066$1,809
23 years$5,296$4,135$3,194$2,443$1,855$1,612
24 years$5,022$3,874$2,953$2,229$1,667$1,438
25 years$4,770$3,636$2,736$2,035$1,500$1,284
26 years$4,537$3,417$2,537$1,861$1,351$1,148
27 years$4,322$3,216$2,356$1,703$1,218$1,027
28 years$4,123$3,030$2,190$1,561$1,099$919
29 years$3,938$2,859$2,038$1,431$993$823
30 years$3,766$2,700$1,898$1,313$897$738
31 years$3,605$2,552$1,770$1,206$811$662
32 years$3,454$2,415$1,651$1,109$733$594
33 years$3,313$2,287$1,542$1,019$664$533
34 years$3,180$2,167$1,441$938$601$479
35 years$3,056$2,056$1,347$863$544$430
36 years$2,938$1,951$1,260$795$493$386
37 years$2,827$1,853$1,179$733$447$347
38 years$2,722$1,761$1,104$675$405$312
39 years$2,623$1,675$1,035$623$367$281
40 years$2,529$1,593$970$574$333$252
41 years$2,440$1,517$909$530$302$227
42 years$2,355$1,444$853$489$274$204
43 years$2,275$1,376$800$451$249$184
44 years$2,198$1,312$751$417$226$165
45 years$2,125$1,251$705$385$205$149
46 years$2,055$1,193$663$356$186$134
47 years$1,989$1,139$622$329$169$121
48 years$1,925$1,087$585$304$154$109
49 years$1,864$1,038$550$281$140$98
50 years$1,806$992$517$259$127$88

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,850,000, adding $2,621 every year, while hoping to spend $26,063 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: 64/29/7 Blend
43$1,850,000$1,850,000$1,850,000$1,850,000
44$2,041,404$1,943,354$1,914,679$2,169,245
45$2,221,896$2,010,847$1,951,089$2,322,199
46$2,419,925$2,080,774$1,987,847$2,485,869
47$2,637,252$2,153,227$2,024,934$2,663,943
48$2,875,817$2,228,300$2,062,335$2,857,817
49$3,137,757$2,306,093$2,100,029$3,069,029
50$3,425,425$2,386,709$2,137,998$3,299,268
51$3,741,416$2,470,256$2,176,218$3,550,395
52$4,088,586$2,556,844$2,214,667$3,824,455
53$4,470,082$2,646,589$2,253,318$4,123,703
54$4,889,371$2,739,612$2,292,145$4,450,618
55$5,350,272$2,836,039$2,331,118$4,807,931
56$5,856,995$2,936,000$2,370,205$5,198,646
57$6,414,174$3,039,630$2,409,373$5,626,073
58$7,026,919$3,147,070$2,448,585$6,093,855
59$7,700,856$3,258,468$2,487,804$6,606,001
60$8,442,186$3,373,976$2,526,988$7,166,931
61$9,257,741$3,493,752$2,566,094$7,781,505
62$10,155,047$3,617,963$2,605,076$8,455,081
63$11,142,399$3,746,781$2,643,883$9,193,557
64$12,228,934$3,880,383$2,682,463$10,003,428
65$13,424,722$4,018,958$2,720,762$10,891,848
66$14,740,855$4,162,699$2,758,719$11,866,697
67$16,189,558$4,311,807$2,796,272$12,936,653
68$17,784,301$4,466,494$2,833,355$14,111,274
69$19,539,925$4,626,977$2,869,898$15,401,091
70$21,472,784$4,793,486$2,905,826$16,817,701
71$23,600,898$4,966,256$2,941,061$18,373,880
72$25,944,123$5,145,536$2,975,520$20,083,701
73$28,524,339$5,331,583$3,009,115$21,962,669
74$31,365,655$5,524,664$3,041,754$24,027,861
75$34,494,638$5,725,059$3,073,339$26,298,093
76$37,940,562$5,933,058$3,103,768$28,794,093
77$41,735,687$6,148,964$3,132,931$31,538,696
78$45,915,557$6,373,094$3,160,714$34,557,060
79$50,519,343$6,605,775$3,186,997$37,876,902
80$55,590,208$6,847,350$3,211,653$41,528,760
81$61,175,714$7,098,175$3,234,549$45,546,278
82$67,328,275$7,358,624$3,255,544$49,966,524
83$74,105,645$7,629,082$3,274,491$54,830,340
84$81,571,468$7,909,954$3,291,233$60,182,723
85$89,795,876$8,201,661$3,305,609$66,073,254
86$98,856,155$8,504,641$3,317,445$72,556,560
87$108,837,466$8,819,352$3,326,563$79,692,832
88$119,833,657$9,146,270$3,332,773$87,548,390
89$131,948,145$9,485,892$3,335,876$96,196,308
90$145,294,892$9,838,737$3,335,664$105,717,105
91$159,999,480$10,205,344$3,331,918$116,199,500
92$176,200,299$10,586,277$3,324,408$127,741,251
93$194,049,848$10,982,124$3,312,895$140,450,076
94$213,716,180$11,393,496$3,297,125$154,444,666
95$235,384,486$11,821,032$3,276,833$169,855,808
96$259,258,840$12,265,399$3,251,744$186,827,616
97$285,564,130$12,727,292$3,221,566$205,518,888
98$314,548,178$13,207,436$3,185,995$226,104,607
99$346,484,079$13,706,587$3,144,712$248,777,589
100$381,672,779$14,225,534$3,097,384$273,750,302