Can I retire at age 44 with 750,000?

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 $750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$61,934$61,383$60,844$60,319$59,806$58,575
2 years$30,661$30,090$29,536$29,000$28,479$27,244
3 years$20,237$19,664$19,112$18,580$18,068$16,868
4 years$15,027$14,455$13,909$13,386$12,886$11,730
5 years$11,901$11,333$10,794$10,282$9,796$8,688
6 years$9,818$9,254$8,723$8,222$7,751$6,691
7 years$8,331$7,772$7,249$6,760$6,304$5,293
8 years$7,216$6,662$6,147$5,671$5,230$4,267
9 years$6,349$5,800$5,295$4,830$4,404$3,490
10 years$5,656$5,113$4,616$4,164$3,753$2,885
11 years$5,090$4,551$4,064$3,624$3,227$2,406
12 years$4,618$4,085$3,607$3,179$2,797$2,020
13 years$4,219$3,692$3,222$2,806$2,439$1,705
14 years$3,877$3,356$2,895$2,491$2,138$1,446
15 years$3,581$3,066$2,614$2,222$1,882$1,231
16 years$3,323$2,813$2,370$1,989$1,664$1,051
17 years$3,095$2,590$2,157$1,787$1,475$900
18 years$2,892$2,394$1,969$1,611$1,312$772
19 years$2,712$2,218$1,802$1,455$1,169$664
20 years$2,549$2,061$1,654$1,318$1,044$572
21 years$2,402$1,920$1,521$1,196$934$493
22 years$2,269$1,792$1,402$1,088$838$426
23 years$2,147$1,676$1,295$991$752$368
24 years$2,036$1,571$1,197$903$676$318
25 years$1,934$1,474$1,109$825$608$275
26 years$1,839$1,385$1,029$754$548$238
27 years$1,752$1,304$955$691$494$207
28 years$1,672$1,228$888$633$446$179
29 years$1,597$1,159$826$580$402$155
30 years$1,527$1,094$770$532$364$135
31 years$1,461$1,035$717$489$329$117
32 years$1,400$979$669$449$297$101
33 years$1,343$927$625$413$269$88
34 years$1,289$879$584$380$244$77
35 years$1,239$833$546$350$221$66
36 years$1,191$791$511$322$200$58
37 years$1,146$751$478$297$181$50
38 years$1,104$714$448$274$164$44
39 years$1,063$679$419$252$149$38
40 years$1,025$646$393$233$135$33
41 years$989$615$369$215$123$29
42 years$955$586$346$198$111$25
43 years$922$558$324$183$101$22
44 years$891$532$305$169$92$19
45 years$861$507$286$156$83$16
46 years$833$484$269$144$76$14
47 years$806$462$252$133$69$12
48 years$780$441$237$123$62$11
49 years$756$421$223$114$57$9
50 years$732$402$210$105$51$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $750,000, adding $4,002 every year, while hoping to spend $32,721 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: 47/39/14 Blend
43$750,000$750,000$750,000$750,000
44$830,628$790,878$779,253$866,226
45$880,537$794,816$770,543$895,220
46$934,440$797,851$760,445$922,998
47$992,711$799,903$748,877$952,425
48$1,055,757$800,888$735,755$983,668
49$1,124,032$800,718$720,989$1,016,910
50$1,198,028$799,299$704,488$1,052,357
51$1,278,291$796,529$686,153$1,090,234
52$1,365,421$792,303$665,882$1,130,795
53$1,460,075$786,507$643,571$1,174,318
54$1,562,978$779,021$619,106$1,221,114
55$1,674,928$769,719$592,372$1,271,528
56$1,796,801$758,466$563,246$1,325,940
57$1,929,562$745,118$531,603$1,384,774
58$2,074,274$729,526$497,309$1,448,499
59$2,232,106$711,528$460,224$1,517,636
60$2,404,343$690,955$420,204$1,592,759
61$2,592,402$667,629$377,097$1,674,507
62$2,797,842$641,357$330,745$1,763,587
63$3,022,379$611,941$280,981$1,860,782
64$3,267,902$579,166$227,635$1,966,959
65$3,536,492$542,809$170,524$2,083,076
66$3,830,438$502,631$109,461$2,210,197
67$4,152,264$458,380$44,248$2,349,495
68$4,504,746$409,792$0$2,502,272
69$4,890,943$356,585$0$2,673,751
70$5,314,223$298,462$0$2,869,038
71$5,778,298$235,110$0$3,083,309
72$6,287,251$166,197$0$3,318,544
73$6,845,584$91,374$0$3,576,931
74$7,458,253$10,272$0$3,860,887
75$8,130,719$0$0$4,173,079
76$8,868,996$0$0$4,549,713
77$9,679,709$0$0$4,968,231
78$10,570,156$0$0$5,428,003
79$11,548,376$0$0$5,933,191
80$12,623,227$0$0$6,488,382
81$13,804,466$0$0$7,098,628
82$15,102,842$0$0$7,769,494
83$16,530,197$0$0$8,507,113
84$18,099,579$0$0$9,318,240
85$19,825,361$0$0$10,210,320
86$21,723,382$0$0$11,191,553
87$23,811,089$0$0$12,270,975
88$26,107,708$0$0$13,458,541
89$28,634,421$0$0$14,765,220
90$31,414,566$0$0$16,203,099
91$34,473,858$0$0$17,785,494
92$37,840,630$0$0$19,527,079
93$41,546,102$0$0$21,444,020
94$45,624,673$0$0$23,554,132
95$50,114,245$0$0$25,877,044
96$55,056,583$0$0$28,434,386
97$60,497,705$0$0$31,249,990
98$66,488,321$0$0$34,350,118
99$73,084,305$0$0$37,763,706
100$80,347,226$0$0$41,522,642