Can I retire at age 44 with 425,000?

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 $425,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$35,096$34,783$34,478$34,181$33,890$33,453
2 years$17,374$17,051$16,737$16,433$16,138$15,698
3 years$11,468$11,143$10,830$10,529$10,239$9,810
4 years$8,515$8,191$7,881$7,585$7,302$6,888
5 years$6,744$6,422$6,116$5,826$5,551$5,152
6 years$5,564$5,244$4,943$4,659$4,392$4,009
7 years$4,721$4,404$4,108$3,831$3,572$3,205
8 years$4,089$3,775$3,484$3,213$2,963$2,613
9 years$3,598$3,287$3,000$2,737$2,496$2,161
10 years$3,205$2,897$2,616$2,359$2,126$1,807
11 years$2,884$2,579$2,303$2,053$1,829$1,525
12 years$2,617$2,315$2,044$1,801$1,585$1,296
13 years$2,391$2,092$1,826$1,590$1,382$1,108
14 years$2,197$1,902$1,641$1,412$1,211$952
15 years$2,029$1,737$1,481$1,259$1,067$821
16 years$1,883$1,594$1,343$1,127$943$710
17 years$1,754$1,468$1,222$1,013$836$617
18 years$1,639$1,356$1,116$913$743$536
19 years$1,537$1,257$1,021$825$662$468
20 years$1,444$1,168$937$747$592$408
21 years$1,361$1,088$862$678$530$357
22 years$1,286$1,016$795$616$475$313
23 years$1,217$950$734$561$426$274
24 years$1,154$890$679$512$383$241
25 years$1,096$835$628$468$345$212
26 years$1,042$785$583$428$310$186
27 years$993$739$541$391$280$164
28 years$947$696$503$359$253$144
29 years$905$657$468$329$228$127
30 years$865$620$436$302$206$112
31 years$828$586$407$277$186$99
32 years$794$555$379$255$168$87
33 years$761$525$354$234$152$77
34 years$731$498$331$215$138$68
35 years$702$472$309$198$125$60
36 years$675$448$289$183$113$53
37 years$650$426$271$168$103$47
38 years$625$405$254$155$93$41
39 years$603$385$238$143$84$36
40 years$581$366$223$132$77$32
41 years$561$348$209$122$69$28
42 years$541$332$196$112$63$25
43 years$523$316$184$104$57$22
44 years$505$301$173$96$52$20
45 years$488$287$162$88$47$17
46 years$472$274$152$82$43$15
47 years$457$262$143$75$39$13
48 years$442$250$134$70$35$12
49 years$428$239$126$64$32$11
50 years$415$228$119$60$29$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $425,000, adding $6,119 every year, while hoping to spend $20,023 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: 43/43/14 Blend
43$425,000$425,000$425,000$425,000
44$474,662$452,137$445,549$492,896
45$501,773$452,987$439,171$507,126
46$530,978$453,208$431,908$520,061
47$562,471$452,748$423,709$533,638
48$596,461$451,551$414,522$547,925
49$633,182$449,558$404,290$562,998
50$672,888$446,709$392,956$578,941
51$715,861$442,936$380,458$595,848
52$762,409$438,170$366,734$613,826
53$812,871$432,337$351,715$632,992
54$867,621$425,357$335,334$653,477
55$927,067$417,149$317,517$675,427
56$991,662$407,623$298,188$699,006
57$1,061,901$396,687$277,267$724,396
58$1,138,332$384,241$254,672$751,798
59$1,221,553$370,181$230,315$781,437
60$1,312,228$354,396$204,107$813,564
61$1,411,083$336,769$175,952$848,456
62$1,518,918$317,175$145,752$886,425
63$1,636,616$295,485$113,403$927,812
64$1,765,146$271,559$78,797$972,999
65$1,905,577$245,252$41,822$1,022,412
66$2,059,084$216,407$2,361$1,076,518
67$2,226,961$184,861$0$1,135,842
68$2,410,634$150,442$0$1,206,899
69$2,611,672$112,968$0$1,285,156
70$2,831,803$72,244$0$1,370,993
71$3,072,931$28,067$0$1,465,217
72$3,337,150$0$0$1,568,726
73$3,626,770$0$0$1,691,869
74$3,944,331$0$0$1,841,507
75$4,292,634$0$0$2,005,686
76$4,674,762$0$0$2,185,866
77$5,094,113$0$0$2,383,656
78$5,554,426$0$0$2,600,828
79$6,059,824$0$0$2,839,333
80$6,614,846$0$0$3,101,322
81$7,224,494$0$0$3,389,164
82$7,894,276$0$0$3,705,469
83$8,630,261$0$0$4,053,110
84$9,439,136$0$0$4,435,257
85$10,328,267$0$0$4,855,397
86$11,305,769$0$0$5,317,375
87$12,380,583$0$0$5,825,427
88$13,562,559$0$0$6,384,219
89$14,862,550$0$0$6,998,893
90$16,292,514$0$0$7,675,114
91$17,865,624$0$0$8,419,122
92$19,596,396$0$0$9,237,795
93$21,500,825$0$0$10,138,711
94$23,596,531$0$0$11,130,218
95$25,902,932$0$0$12,221,515
96$28,441,422$0$0$13,422,739
97$31,235,574$0$0$14,745,059
98$34,311,363$0$0$16,200,781
99$37,697,410$0$0$17,803,466
100$41,425,252$0$0$19,568,057