Can I retire at age 44 with 1,910,000?

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 $1,910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$157,726$156,321$154,950$153,612$152,306$148,624
2 years$78,082$76,628$75,219$73,852$72,527$68,839
3 years$51,538$50,077$48,671$47,318$46,014$42,436
4 years$38,268$36,812$35,420$34,090$32,818$29,377
5 years$30,308$28,861$27,488$26,184$24,947$21,654
6 years$25,004$23,567$22,214$20,940$19,740$16,597
7 years$21,216$19,792$18,460$17,216$16,054$13,062
8 years$18,377$16,965$15,656$14,442$13,318$10,475
9 years$16,169$14,771$13,484$12,301$11,216$8,520
10 years$14,405$13,020$11,756$10,604$9,557$7,005
11 years$12,962$11,591$10,350$9,228$8,219$5,808
12 years$11,760$10,404$9,185$8,095$7,122$4,848
13 years$10,744$9,402$8,206$7,146$6,211$4,068
14 years$9,874$8,546$7,373$6,344$5,444$3,429
15 years$9,121$7,807$6,657$5,657$4,794$2,901
16 years$8,462$7,163$6,036$5,066$4,237$2,461
17 years$7,882$6,597$5,492$4,551$3,756$2,094
18 years$7,366$6,095$5,014$4,102$3,340$1,785
19 years$6,906$5,649$4,590$3,706$2,977$1,524
20 years$6,491$5,250$4,212$3,357$2,659$1,304
21 years$6,117$4,890$3,874$3,046$2,380$1,116
22 years$5,778$4,564$3,571$2,770$2,133$957
23 years$5,468$4,269$3,297$2,523$1,915$821
24 years$5,185$4,000$3,049$2,301$1,721$705
25 years$4,924$3,754$2,824$2,101$1,549$606
26 years$4,684$3,528$2,619$1,921$1,395$521
27 years$4,463$3,320$2,432$1,759$1,258$448
28 years$4,257$3,128$2,261$1,611$1,135$386
29 years$4,066$2,951$2,104$1,478$1,025$332
30 years$3,888$2,787$1,960$1,356$926$286
31 years$3,722$2,635$1,827$1,245$837$246
32 years$3,566$2,493$1,705$1,145$757$212
33 years$3,421$2,361$1,592$1,052$685$183
34 years$3,284$2,238$1,487$968$620$158
35 years$3,155$2,122$1,391$891$562$136
36 years$3,034$2,014$1,301$821$509$117
37 years$2,919$1,913$1,218$756$461$101
38 years$2,811$1,818$1,140$697$418$87
39 years$2,708$1,729$1,068$643$379$75
40 years$2,611$1,645$1,001$593$344$65
41 years$2,519$1,566$939$547$312$56
42 years$2,432$1,491$881$505$283$48
43 years$2,349$1,421$826$466$257$42
44 years$2,269$1,354$776$430$233$36
45 years$2,194$1,292$728$397$212$31
46 years$2,122$1,232$684$367$192$27
47 years$2,053$1,176$643$339$175$23
48 years$1,988$1,122$604$313$159$20
49 years$1,925$1,072$568$290$144$17
50 years$1,865$1,024$534$268$131$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $1,910,000, adding $5,456 every year, while hoping to spend $40,190 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: 52/41/7 Blend
43$1,910,000$1,910,000$1,910,000$1,910,000
44$2,110,448$2,009,218$1,979,613$2,216,306
45$2,282,952$2,064,908$2,003,168$2,344,465
46$2,471,704$2,121,979$2,026,165$2,478,939
47$2,678,319$2,180,458$2,048,544$2,624,213
48$2,904,577$2,240,369$2,070,238$2,781,312
49$3,152,434$2,301,737$2,091,182$2,951,365
50$3,424,047$2,364,588$2,111,301$3,135,612
51$3,721,792$2,428,945$2,130,522$3,335,421
52$4,048,285$2,494,833$2,148,765$3,552,294
53$4,406,406$2,562,276$2,165,944$3,787,888
54$4,799,329$2,631,297$2,181,974$4,044,024
55$5,230,550$2,701,920$2,196,759$4,322,709
56$5,703,919$2,774,167$2,210,203$4,626,152
57$6,223,676$2,848,059$2,222,202$4,956,785
58$6,794,495$2,923,617$2,232,650$5,317,287
59$7,421,521$3,000,862$2,241,431$5,710,608
60$8,110,424$3,079,812$2,248,427$6,139,996
61$8,867,451$3,160,486$2,253,513$6,609,029
62$9,699,482$3,242,901$2,256,556$7,121,649
63$10,614,097$3,327,072$2,257,419$7,682,196
64$11,619,650$3,413,013$2,255,958$8,295,452
65$12,725,341$3,500,737$2,252,019$8,966,685
66$13,941,307$3,590,255$2,245,443$9,701,696
67$15,278,719$3,681,576$2,236,064$10,506,879
68$16,749,881$3,774,706$2,223,705$11,389,276
69$18,368,354$3,869,651$2,208,183$12,356,645
70$20,149,075$3,966,413$2,189,306$13,417,534
71$22,108,504$4,064,991$2,166,872$14,581,360
72$24,264,779$4,165,383$2,140,670$15,858,501
73$26,637,881$4,267,582$2,110,477$17,260,389
74$29,249,830$4,371,578$2,076,063$18,799,621
75$32,124,887$4,477,360$2,037,185$20,490,076
76$35,289,784$4,584,909$1,993,590$22,347,049
77$38,773,978$4,694,205$1,945,010$24,387,390
78$42,609,925$4,805,223$1,891,170$26,629,668
79$46,833,390$4,917,932$1,831,777$29,094,343
80$51,483,783$5,032,297$1,766,528$31,803,963
81$56,604,527$5,148,278$1,695,105$34,783,370
82$62,243,473$5,265,828$1,617,176$38,059,942
83$68,453,348$5,384,894$1,532,392$41,663,845
84$75,292,253$5,505,418$1,440,391$45,628,321
85$82,824,211$5,627,332$1,340,792$49,990,004
86$91,119,772$5,750,562$1,233,200$54,789,260
87$100,256,676$5,875,027$1,117,199$60,070,573
88$110,320,589$6,000,635$992,357$65,882,962
89$121,405,909$6,127,286$858,222$72,280,448
90$133,616,660$6,254,871$714,320$79,322,557
91$147,067,468$6,383,269$560,159$87,074,888
92$161,884,650$6,512,349$395,224$95,609,733
93$178,207,397$6,641,967$218,977$105,006,754
94$196,189,095$6,771,967$30,856$115,353,739
95$215,998,770$6,902,181$0$126,747,432
96$237,822,681$7,032,424$0$139,307,135
97$261,866,080$7,162,498$0$153,140,929
98$288,355,149$7,292,189$0$168,376,025
99$317,539,132$7,421,265$0$185,155,151
100$349,692,693$7,549,475$0$203,635,591