Can I retire at age 44 with 1,860,000?

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 $1,860,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$153,597$152,229$150,894$149,591$148,319$145,922
2 years$76,038$74,622$73,250$71,919$70,628$68,220
3 years$50,189$48,766$47,397$46,079$44,809$42,465
4 years$37,266$35,848$34,493$33,197$31,958$29,695
5 years$29,515$28,106$26,768$25,499$24,294$22,119
6 years$24,349$22,950$21,633$20,392$19,223$17,139
7 years$20,661$19,274$17,977$16,765$15,634$13,641
8 years$17,896$16,521$15,246$14,064$12,970$11,068
9 years$15,746$14,385$13,131$11,979$10,922$9,110
10 years$14,027$12,679$11,448$10,326$9,306$7,583
11 years$12,622$11,288$10,079$8,987$8,004$6,367
12 years$11,452$10,131$8,945$7,883$6,936$5,384
13 years$10,463$9,156$7,991$6,959$6,048$4,578
14 years$9,615$8,322$7,180$6,178$5,302$3,912
15 years$8,882$7,602$6,483$5,509$4,668$3,356
16 years$8,241$6,975$5,878$4,933$4,126$2,888
17 years$7,675$6,424$5,348$4,432$3,658$2,492
18 years$7,173$5,936$4,882$3,994$3,253$2,156
19 years$6,725$5,501$4,470$3,609$2,899$1,868
20 years$6,322$5,112$4,102$3,269$2,590$1,622
21 years$5,957$4,762$3,773$2,967$2,317$1,410
22 years$5,626$4,445$3,477$2,697$2,077$1,228
23 years$5,325$4,157$3,211$2,457$1,865$1,070
24 years$5,049$3,895$2,969$2,241$1,676$933
25 years$4,795$3,655$2,750$2,046$1,508$815
26 years$4,562$3,435$2,551$1,871$1,358$712
27 years$4,346$3,233$2,369$1,713$1,225$622
28 years$4,146$3,047$2,202$1,569$1,105$544
29 years$3,959$2,874$2,049$1,439$998$476
30 years$3,786$2,714$1,909$1,321$902$417
31 years$3,624$2,566$1,779$1,213$815$365
32 years$3,473$2,428$1,660$1,115$737$320
33 years$3,331$2,299$1,550$1,025$667$280
34 years$3,198$2,179$1,448$943$604$246
35 years$3,072$2,067$1,354$868$547$215
36 years$2,954$1,962$1,267$800$496$189
37 years$2,843$1,863$1,186$737$449$166
38 years$2,737$1,771$1,110$679$407$145
39 years$2,637$1,684$1,040$626$369$127
40 years$2,543$1,602$975$577$335$112
41 years$2,453$1,525$914$533$304$98
42 years$2,368$1,452$858$492$276$86
43 years$2,287$1,384$805$454$250$76
44 years$2,210$1,319$755$419$227$66
45 years$2,136$1,258$709$387$206$58
46 years$2,066$1,200$666$358$187$51
47 years$2,000$1,145$626$330$170$45
48 years$1,936$1,093$588$305$154$39
49 years$1,874$1,044$553$282$140$35
50 years$1,816$997$520$261$127$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,860,000, adding $4,385 every year, while hoping to spend $37,901 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: 66/14/20 Blend
43$1,860,000$1,860,000$1,860,000$1,860,000
44$2,054,243$1,955,663$1,926,833$2,179,211
45$2,223,450$2,011,164$1,951,056$2,319,064
46$2,408,645$2,068,115$1,974,819$2,467,138
47$2,611,420$2,126,545$1,998,069$2,628,113
48$2,833,526$2,186,488$2,020,746$2,803,255
49$3,076,893$2,247,973$2,042,788$2,993,960
50$3,343,645$2,311,033$2,064,131$3,201,763
51$3,636,123$2,375,699$2,084,705$3,428,357
52$3,956,903$2,442,004$2,104,438$3,675,608
53$4,308,825$2,509,980$2,123,255$3,945,567
54$4,695,015$2,579,659$2,141,073$4,240,498
55$5,118,917$2,651,072$2,157,810$4,562,894
56$5,584,324$2,724,253$2,173,374$4,915,499
57$6,095,417$2,799,233$2,187,674$5,301,338
58$6,656,797$2,876,043$2,200,609$5,723,745
59$7,273,538$2,954,717$2,212,077$6,186,391
60$7,951,225$3,035,284$2,221,968$6,693,321
61$8,696,014$3,117,777$2,230,167$7,248,994
62$9,514,684$3,202,225$2,236,555$7,858,321
63$10,414,707$3,288,659$2,241,004$8,526,713
64$11,404,312$3,377,108$2,243,383$9,260,133
65$12,492,567$3,467,602$2,243,552$10,065,153
66$13,689,462$3,560,167$2,241,364$10,949,011
67$15,006,004$3,654,832$2,236,666$11,919,687
68$16,454,320$3,751,622$2,229,298$12,985,971
69$18,047,771$3,850,563$2,219,090$14,157,551
70$19,801,081$3,951,678$2,205,867$15,445,101
71$21,730,470$4,054,989$2,189,442$16,860,384
72$23,853,812$4,160,517$2,169,623$18,416,364
73$26,190,800$4,268,281$2,146,204$20,127,326
74$28,763,134$4,378,299$2,118,974$22,009,009
75$31,594,723$4,490,585$2,087,709$24,078,760
76$34,711,913$4,605,152$2,052,175$26,355,696
77$38,143,734$4,722,011$2,012,129$28,860,881
78$41,922,174$4,841,168$1,967,315$31,617,530
79$46,082,480$4,962,630$1,917,464$34,651,223
80$50,663,490$5,086,396$1,862,297$37,990,152
81$55,708,003$5,212,467$1,801,520$41,665,383
82$61,263,176$5,340,834$1,734,828$45,711,153
83$67,380,976$5,471,490$1,661,900$50,165,188
84$74,118,662$5,604,421$1,582,401$55,069,066
85$81,539,335$5,739,607$1,495,981$60,468,604
86$89,712,525$5,877,025$1,402,273$66,414,295
87$98,714,849$6,016,646$1,300,896$72,961,783
88$108,630,737$6,158,435$1,191,450$80,172,385
89$119,553,226$6,302,352$1,073,517$88,113,678
90$131,584,836$6,448,348$946,661$96,860,131
91$144,838,542$6,596,369$810,427$106,493,810
92$159,438,835$6,746,354$664,338$117,105,153
93$175,522,901$6,898,230$507,898$128,793,826
94$193,241,913$7,051,919$340,589$141,669,661
95$212,762,458$7,207,333$161,869$155,853,696
96$234,268,110$7,364,374$0$171,479,317
97$257,961,160$7,522,931$0$188,699,676
98$284,064,529$7,682,885$0$207,707,867
99$312,823,869$7,844,104$0$228,647,960
100$344,509,881$8,006,443$0$251,716,818