Can I retire at age 44 with 1,900,000?

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 $1,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$156,900$155,503$154,139$152,808$151,509$148,450
2 years$77,673$76,227$74,825$73,465$72,147$69,078
3 years$51,268$49,815$48,417$47,070$45,773$42,791
4 years$38,068$36,619$35,235$33,911$32,646$29,773
5 years$30,150$28,710$27,344$26,047$24,817$22,061
6 years$24,873$23,444$22,098$20,830$19,637$17,001
7 years$21,105$19,688$18,363$17,126$15,970$13,455
8 years$18,280$16,876$15,574$14,366$13,249$10,854
9 years$16,085$14,694$13,414$12,237$11,157$8,882
10 years$14,329$12,952$11,694$10,548$9,506$7,347
11 years$12,894$11,530$10,295$9,180$8,176$6,130
12 years$11,698$10,349$9,137$8,052$7,085$5,150
13 years$10,688$9,353$8,163$7,109$6,178$4,351
14 years$9,822$8,501$7,335$6,310$5,416$3,693
15 years$9,073$7,766$6,622$5,628$4,769$3,146
16 years$8,418$7,125$6,004$5,039$4,214$2,688
17 years$7,840$6,562$5,463$4,528$3,737$2,303
18 years$7,328$6,064$4,987$4,080$3,323$1,978
19 years$6,869$5,620$4,566$3,687$2,962$1,702
20 years$6,457$5,222$4,190$3,339$2,645$1,466
21 years$6,085$4,864$3,854$3,031$2,367$1,265
22 years$5,747$4,540$3,552$2,755$2,122$1,093
23 years$5,439$4,247$3,280$2,509$1,905$945
24 years$5,157$3,979$3,033$2,289$1,712$818
25 years$4,898$3,734$2,809$2,090$1,541$709
26 years$4,660$3,509$2,606$1,911$1,388$614
27 years$4,439$3,303$2,420$1,749$1,251$533
28 years$4,235$3,112$2,249$1,603$1,129$462
29 years$4,045$2,936$2,093$1,470$1,019$401
30 years$3,868$2,773$1,950$1,349$921$348
31 years$3,702$2,621$1,818$1,239$833$303
32 years$3,548$2,480$1,696$1,139$753$263
33 years$3,403$2,349$1,583$1,047$682$228
34 years$3,266$2,226$1,479$963$617$199
35 years$3,138$2,111$1,383$887$559$173
36 years$3,018$2,004$1,294$817$507$150
37 years$2,904$1,903$1,211$752$459$130
38 years$2,796$1,809$1,134$694$416$113
39 years$2,694$1,720$1,063$640$377$99
40 years$2,598$1,636$996$590$342$86
41 years$2,506$1,558$934$544$311$75
42 years$2,419$1,484$876$502$282$65
43 years$2,336$1,414$822$464$256$57
44 years$2,257$1,347$772$428$232$49
45 years$2,182$1,285$725$395$211$43
46 years$2,111$1,226$681$365$191$37
47 years$2,043$1,170$639$337$174$32
48 years$1,977$1,117$601$312$158$28
49 years$1,915$1,066$565$288$143$25
50 years$1,855$1,019$531$266$130$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,900,000, adding $3,621 every year, while hoping to spend $29,355 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: 61/12/27 Blend
43$1,900,000$1,900,000$1,900,000$1,900,000
44$2,097,535$1,996,835$1,967,385$2,210,067
45$2,280,250$2,063,446$2,002,059$2,353,650
46$2,480,618$2,132,338$2,036,911$2,506,815
47$2,700,409$2,203,590$2,071,915$2,673,378
48$2,941,572$2,277,287$2,107,045$2,854,653
49$3,206,253$2,353,516$2,142,272$3,052,086
50$3,496,819$2,432,365$2,177,566$3,267,270
51$3,815,873$2,513,930$2,212,893$3,501,958
52$4,166,285$2,598,306$2,248,218$3,758,083
53$4,551,217$2,685,594$2,283,504$4,037,770
54$4,974,152$2,775,898$2,318,712$4,343,364
55$5,438,925$2,869,326$2,353,798$4,677,446
56$5,949,763$2,965,991$2,388,718$5,042,858
57$6,511,323$3,066,009$2,423,425$5,442,731
58$7,128,734$3,169,500$2,457,866$5,880,515
59$7,807,649$3,276,589$2,491,988$6,360,011
60$8,554,295$3,387,408$2,525,735$6,885,405
61$9,375,531$3,502,089$2,559,046$7,461,309
62$10,278,918$3,620,775$2,591,857$8,092,805
63$11,272,784$3,743,608$2,624,100$8,785,489
64$12,366,304$3,870,742$2,655,704$9,545,530
65$13,569,590$4,002,331$2,686,593$10,379,724
66$14,893,782$4,138,538$2,716,687$11,295,557
67$16,351,154$4,279,533$2,745,902$12,301,278
68$17,955,231$4,425,490$2,774,150$13,405,976
69$19,720,917$4,576,591$2,801,336$14,619,667
70$21,664,632$4,733,025$2,827,362$15,953,385
71$23,804,469$4,894,988$2,852,123$17,419,288
72$26,160,366$5,062,684$2,875,511$19,030,775
73$28,754,291$5,236,323$2,897,408$20,802,607
74$31,610,452$5,416,127$2,917,695$22,751,051
75$34,755,523$5,602,322$2,936,243$24,894,031
76$38,218,897$5,795,146$2,952,917$27,251,299
77$42,032,962$5,994,845$2,967,577$29,844,617
78$46,233,407$6,201,676$2,980,074$32,697,968
79$50,859,559$6,415,903$2,990,251$35,837,778
80$55,954,755$6,637,803$2,997,946$39,293,168
81$61,566,748$6,867,663$3,002,985$43,096,228
82$67,748,159$7,105,781$3,005,188$47,282,317
83$74,556,975$7,352,468$3,004,365$51,890,401
84$82,057,093$7,608,045$3,000,317$56,963,420
85$90,318,924$7,872,848$2,992,836$62,548,689
86$99,420,061$8,147,224$2,981,703$68,698,349
87$109,446,005$8,431,536$2,966,688$75,469,859
88$120,490,976$8,726,160$2,947,550$82,926,536
89$132,658,801$9,031,487$2,924,038$91,138,152
90$146,063,893$9,347,923$2,895,888$100,181,598
91$160,832,331$9,675,893$2,862,821$110,141,602
92$177,103,053$10,015,836$2,824,550$121,111,535
93$195,029,162$10,368,210$2,780,770$133,194,291
94$214,779,375$10,733,490$2,731,164$146,503,254
95$236,539,612$11,112,172$2,675,399$161,163,375
96$260,514,754$11,504,770$2,613,127$177,312,347
97$286,930,577$11,911,821$2,543,984$195,101,906
98$316,035,878$12,333,883$2,467,589$214,699,263
99$348,104,828$12,771,534$2,383,544$236,288,685
100$383,439,560$13,225,379$2,291,433$260,073,231