Can I retire at age 44 with 400,000?

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 $400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$33,032$32,737$32,450$32,170$31,897$31,151
2 years$16,352$16,048$15,753$15,466$15,189$14,442
3 years$10,793$10,487$10,193$9,909$9,636$8,911
4 years$8,014$7,709$7,418$7,139$6,873$6,175
5 years$6,347$6,044$5,757$5,484$5,225$4,557
6 years$5,236$4,936$4,652$4,385$4,134$3,496
7 years$4,443$4,145$3,866$3,605$3,362$2,755
8 years$3,849$3,553$3,279$3,024$2,789$2,212
9 years$3,386$3,093$2,824$2,576$2,349$1,801
10 years$3,017$2,727$2,462$2,221$2,001$1,483
11 years$2,714$2,427$2,167$1,933$1,721$1,231
12 years$2,463$2,179$1,924$1,695$1,492$1,029
13 years$2,250$1,969$1,719$1,497$1,301$864
14 years$2,068$1,790$1,544$1,329$1,140$730
15 years$1,910$1,635$1,394$1,185$1,004$618
16 years$1,772$1,500$1,264$1,061$887$525
17 years$1,651$1,381$1,150$953$787$447
18 years$1,543$1,277$1,050$859$699$382
19 years$1,446$1,183$961$776$623$327
20 years$1,359$1,099$882$703$557$280
21 years$1,281$1,024$811$638$498$240
22 years$1,210$956$748$580$447$206
23 years$1,145$894$690$528$401$177
24 years$1,086$838$639$482$360$152
25 years$1,031$786$591$440$324$131
26 years$981$739$549$402$292$113
27 years$935$695$509$368$263$97
28 years$892$655$474$337$238$84
29 years$852$618$441$309$215$72
30 years$814$584$410$284$194$62
31 years$779$552$383$261$175$54
32 years$747$522$357$240$159$46
33 years$716$494$333$220$144$40
34 years$688$469$311$203$130$35
35 years$661$444$291$187$118$30
36 years$635$422$272$172$107$26
37 years$611$401$255$158$97$22
38 years$589$381$239$146$88$19
39 years$567$362$224$135$79$17
40 years$547$345$210$124$72$14
41 years$528$328$197$115$65$12
42 years$509$312$184$106$59$11
43 years$492$298$173$98$54$9
44 years$475$284$162$90$49$8
45 years$459$270$153$83$44$7
46 years$444$258$143$77$40$6
47 years$430$246$135$71$37$5
48 years$416$235$126$66$33$4
49 years$403$224$119$61$30$4
50 years$391$214$112$56$27$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $400,000, adding $4,168 every year, while hoping to spend $23,146 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: 43/28/29 Blend
43$400,000$400,000$400,000$400,000
44$445,099$423,899$417,699$460,324
45$465,872$420,043$407,065$467,794
46$487,988$415,222$395,299$473,384
47$511,560$409,365$382,338$479,002
48$536,711$402,396$368,118$484,667
49$563,575$394,233$352,570$490,397
50$592,302$384,792$335,623$496,216
51$623,052$373,983$317,202$502,153
52$656,005$361,710$297,230$508,240
53$691,356$347,871$275,625$514,516
54$729,318$332,361$252,302$521,025
55$770,126$315,064$227,172$527,819
56$814,039$295,863$200,143$534,958
57$861,340$274,629$171,116$542,509
58$912,340$251,229$139,992$550,551
59$967,381$225,522$106,665$559,171
60$1,026,839$197,357$71,023$568,471
61$1,091,126$166,578$32,952$578,566
62$1,160,697$133,015$0$589,586
63$1,236,049$96,494$0$604,053
64$1,317,731$56,828$0$630,793
65$1,406,347$13,819$0$659,827
66$1,502,559$0$0$691,408
67$1,607,096$0$0$735,903
68$1,720,762$0$0$788,957
69$1,844,438$0$0$846,730
70$1,979,097$0$0$909,680
71$2,125,806$0$0$978,313
72$2,285,742$0$0$1,053,186
73$2,460,199$0$0$1,134,911
74$2,650,602$0$0$1,224,163
75$2,858,519$0$0$1,321,684
76$3,085,677$0$0$1,428,290
77$3,333,976$0$0$1,544,881
78$3,605,509$0$0$1,672,448
79$3,902,579$0$0$1,812,082
80$4,227,724$0$0$1,964,984
81$4,583,736$0$0$2,132,475
82$4,973,692$0$0$2,316,013
83$5,400,980$0$0$2,517,202
84$5,869,331$0$0$2,737,809
85$6,382,853$0$0$2,979,778
86$6,946,072$0$0$3,245,254
87$7,563,972$0$0$3,536,596
88$8,242,045$0$0$3,856,406
89$8,986,337$0$0$4,207,548
90$9,803,511$0$0$4,593,176
91$10,700,904$0$0$5,016,767
92$11,686,600$0$0$5,482,149
93$12,769,505$0$0$5,993,541
94$13,959,429$0$0$6,555,589
95$15,267,179$0$0$7,173,414
96$16,704,662$0$0$7,852,656
97$18,284,995$0$0$8,599,527
98$20,022,631$0$0$9,420,876
99$21,933,492$0$0$10,324,245
100$24,035,120$0$0$11,317,943