Can I retire at age 44 with 1,870,000?

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 $1,870,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$154,423$153,047$151,705$150,395$149,116$146,888
2 years$76,447$75,023$73,643$72,306$71,008$68,768
3 years$50,458$49,028$47,652$46,327$45,050$42,868
4 years$37,467$36,041$34,679$33,376$32,130$30,023
5 years$29,674$28,257$26,912$25,636$24,425$22,399
6 years$24,480$23,074$21,749$20,501$19,327$17,384
7 years$20,772$19,377$18,073$16,855$15,718$13,859
8 years$17,992$16,610$15,328$14,139$13,039$11,264
9 years$15,831$14,462$13,202$12,044$10,981$9,289
10 years$14,103$12,747$11,510$10,382$9,356$7,745
11 years$12,690$11,348$10,133$9,035$8,047$6,516
12 years$11,514$10,186$8,993$7,925$6,973$5,520
13 years$10,519$9,205$8,034$6,997$6,081$4,704
14 years$9,667$8,367$7,219$6,211$5,330$4,027
15 years$8,930$7,643$6,518$5,539$4,693$3,461
16 years$8,285$7,013$5,909$4,960$4,148$2,985
17 years$7,716$6,458$5,377$4,456$3,678$2,582
18 years$7,212$5,968$4,909$4,016$3,270$2,238
19 years$6,761$5,531$4,494$3,629$2,915$1,944
20 years$6,356$5,140$4,124$3,286$2,604$1,691
21 years$5,989$4,787$3,793$2,983$2,330$1,474
22 years$5,657$4,469$3,496$2,712$2,088$1,286
23 years$5,354$4,180$3,228$2,470$1,875$1,124
24 years$5,076$3,916$2,985$2,253$1,685$982
25 years$4,821$3,675$2,765$2,057$1,516$860
26 years$4,586$3,454$2,564$1,881$1,366$753
27 years$4,369$3,251$2,381$1,722$1,231$660
28 years$4,168$3,063$2,214$1,577$1,111$579
29 years$3,981$2,890$2,060$1,447$1,003$508
30 years$3,807$2,729$1,919$1,328$907$445
31 years$3,644$2,580$1,789$1,219$820$391
32 years$3,492$2,441$1,669$1,121$741$343
33 years$3,349$2,312$1,558$1,030$671$302
34 years$3,215$2,191$1,456$948$607$265
35 years$3,089$2,078$1,361$873$550$233
36 years$2,970$1,972$1,274$804$499$205
37 years$2,858$1,873$1,192$741$452$180
38 years$2,752$1,780$1,116$683$410$158
39 years$2,652$1,693$1,046$629$371$139
40 years$2,557$1,611$980$581$337$122
41 years$2,466$1,533$919$536$306$108
42 years$2,381$1,460$862$494$277$95
43 years$2,299$1,391$809$456$252$83
44 years$2,222$1,326$759$421$228$73
45 years$2,148$1,265$713$389$207$65
46 years$2,078$1,206$670$359$188$57
47 years$2,010$1,151$629$332$171$50
48 years$1,946$1,099$591$307$155$44
49 years$1,885$1,049$556$284$141$39
50 years$1,826$1,002$523$262$128$34

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,870,000, adding $4,303 every year, while hoping to spend $26,613 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: 70/19/11 Blend
43$1,870,000$1,870,000$1,870,000$1,870,000
44$2,065,179$1,966,069$1,937,084$2,204,779
45$2,247,511$2,034,090$1,973,660$2,365,909
46$2,447,549$2,104,552$2,010,569$2,538,534
47$2,667,071$2,177,547$2,047,795$2,726,732
48$2,908,035$2,253,170$2,085,320$2,932,030
49$3,172,599$2,331,519$2,123,122$3,156,110
50$3,463,138$2,412,698$2,161,181$3,400,824
51$3,782,271$2,496,813$2,199,473$3,668,209
52$4,132,880$2,583,975$2,237,973$3,960,509
53$4,518,144$2,674,300$2,276,656$4,280,196
54$4,941,562$2,767,908$2,315,491$4,629,988
55$5,406,989$2,864,923$2,354,447$5,012,883
56$5,918,673$2,965,476$2,393,493$5,432,179
57$6,481,295$3,069,701$2,432,592$5,891,509
58$7,100,010$3,177,739$2,471,706$6,394,875
59$7,780,499$3,289,736$2,510,796$6,946,683
60$8,529,021$3,405,844$2,549,819$7,551,787
61$9,352,472$3,526,221$2,588,729$8,215,532
62$10,258,449$3,651,032$2,627,477$8,943,808
63$11,255,326$3,780,447$2,666,012$9,743,101
64$12,352,324$3,914,644$2,704,279$10,620,555
65$13,559,609$4,053,809$2,742,220$11,584,040
66$14,888,379$4,198,135$2,779,773$12,642,228
67$16,350,972$4,347,822$2,816,874$13,804,668
68$17,960,984$4,503,079$2,853,453$15,081,884
69$19,733,398$4,664,124$2,889,437$16,485,466
70$21,684,721$4,831,182$2,924,749$18,028,186
71$23,833,141$5,004,489$2,959,307$19,724,111
72$26,198,703$5,184,290$2,993,026$21,588,744
73$28,803,492$5,370,841$3,025,813$23,639,160
74$31,671,843$5,564,407$3,057,572$25,894,176
75$34,830,573$5,765,266$3,088,204$28,374,521
76$38,309,233$5,973,705$3,117,599$31,103,036
77$42,140,382$6,190,024$3,145,647$34,104,885
78$46,359,903$6,414,537$3,172,228$37,407,796
79$51,007,333$6,647,569$3,197,217$41,042,319
80$56,126,240$6,889,459$3,220,483$45,042,116
81$61,764,635$7,140,561$3,241,887$49,444,277
82$67,975,421$7,401,242$3,261,285$54,289,669
83$74,816,898$7,671,887$3,278,522$59,623,324
84$82,353,308$7,952,895$3,293,438$65,494,858
85$90,655,441$8,244,683$3,305,864$71,958,944
86$99,801,307$8,547,684$3,315,622$79,075,827
87$109,876,871$8,862,351$3,322,526$86,911,886
88$120,976,862$9,189,155$3,326,380$95,540,269
89$133,205,666$9,528,589$3,326,978$105,041,575
90$146,678,317$9,881,163$3,324,105$115,504,618
91$161,521,578$10,247,412$3,317,534$127,027,263
92$177,875,136$10,627,892$3,307,029$139,717,351
93$195,892,925$11,023,184$3,292,340$153,693,712
94$215,744,577$11,433,893$3,273,207$169,087,293
95$237,617,019$11,860,650$3,249,355$186,042,385
96$261,716,246$12,304,113$3,220,499$204,717,989
97$288,269,256$12,764,967$3,186,339$225,289,317
98$317,526,199$13,243,929$3,146,560$247,949,440
99$349,762,734$13,741,745$3,100,832$272,911,113
100$385,282,635$14,259,192$3,048,812$300,408,786