Can I retire at age 44 with 775,000?

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 $775,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$63,999$63,429$62,873$62,330$61,800$59,536
2 years$31,683$31,093$30,521$29,966$29,428$27,173
3 years$20,912$20,319$19,749$19,200$18,671$16,494
4 years$15,528$14,937$14,372$13,832$13,316$11,236
5 years$12,298$11,711$11,153$10,624$10,123$8,143
6 years$10,145$9,563$9,014$8,496$8,010$6,133
7 years$8,609$8,031$7,490$6,985$6,514$4,740
8 years$7,456$6,884$6,352$5,860$5,404$3,730
9 years$6,561$5,994$5,471$4,991$4,551$2,975
10 years$5,845$5,283$4,770$4,303$3,878$2,398
11 years$5,259$4,703$4,199$3,745$3,335$1,947
12 years$4,772$4,221$3,727$3,284$2,890$1,591
13 years$4,359$3,815$3,330$2,900$2,520$1,307
14 years$4,006$3,468$2,992$2,574$2,209$1,077
15 years$3,701$3,168$2,701$2,296$1,945$891
16 years$3,434$2,906$2,449$2,055$1,719$739
17 years$3,198$2,677$2,229$1,847$1,524$614
18 years$2,989$2,473$2,034$1,664$1,355$511
19 years$2,802$2,292$1,862$1,504$1,208$426
20 years$2,634$2,130$1,709$1,362$1,079$356
21 years$2,482$1,984$1,572$1,236$966$297
22 years$2,344$1,852$1,449$1,124$866$248
23 years$2,219$1,732$1,338$1,024$777$208
24 years$2,104$1,623$1,237$934$698$174
25 years$1,998$1,523$1,146$853$628$146
26 years$1,901$1,431$1,063$780$566$122
27 years$1,811$1,347$987$714$510$102
28 years$1,727$1,269$917$654$460$86
29 years$1,650$1,198$854$600$416$72
30 years$1,578$1,131$795$550$376$60
31 years$1,510$1,069$741$505$340$51
32 years$1,447$1,012$692$464$307$42
33 years$1,388$958$646$427$278$36
34 years$1,332$908$603$393$252$30
35 years$1,280$861$564$362$228$25
36 years$1,231$817$528$333$207$21
37 years$1,184$776$494$307$187$18
38 years$1,140$738$463$283$170$15
39 years$1,099$702$433$261$154$12
40 years$1,060$667$406$241$140$10
41 years$1,022$635$381$222$127$9
42 years$987$605$357$205$115$7
43 years$953$577$335$189$104$6
44 years$921$550$315$175$95$5
45 years$890$524$296$161$86$4
46 years$861$500$278$149$78$4
47 years$833$477$261$138$71$3
48 years$807$455$245$127$64$3
49 years$781$435$230$118$58$2
50 years$757$415$217$109$53$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $775,000, adding $3,001 every year, while hoping to spend $20,313 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: 65/22/13 Blend
43$775,000$775,000$775,000$775,000
44$857,146$816,071$804,058$910,083
45$922,962$834,445$809,381$964,195
46$994,810$853,039$814,202$1,020,654
47$1,073,285$871,842$818,482$1,081,837
48$1,159,039$890,842$822,180$1,148,204
49$1,252,794$910,026$825,256$1,220,262
50$1,355,341$929,379$827,664$1,298,569
51$1,467,552$948,885$829,357$1,383,740
52$1,590,389$968,527$830,287$1,476,453
53$1,724,910$988,286$830,403$1,577,454
54$1,872,279$1,008,141$829,650$1,687,566
55$2,033,780$1,028,068$827,971$1,807,696
56$2,210,825$1,048,043$825,308$1,938,841
57$2,404,972$1,068,040$821,599$2,082,103
58$2,617,933$1,088,028$816,777$2,238,693
59$2,851,598$1,107,977$810,774$2,409,947
60$3,108,046$1,127,853$803,520$2,597,339
61$3,389,567$1,147,618$794,939$2,802,489
62$3,698,686$1,167,234$784,952$3,027,187
63$4,038,180$1,186,657$773,476$3,273,402
64$4,411,114$1,205,843$760,427$3,543,305
65$4,820,860$1,224,741$745,713$3,839,290
66$5,271,133$1,243,299$729,241$4,163,994
67$5,766,029$1,261,461$710,911$4,520,323
68$6,310,057$1,279,166$690,619$4,911,480
69$6,908,187$1,296,349$668,259$5,340,995
70$7,565,893$1,312,941$643,716$5,812,758
71$8,289,206$1,328,868$616,873$6,331,057
72$9,084,773$1,344,050$587,606$6,900,617
73$9,959,915$1,358,403$555,786$7,526,646
74$10,922,699$1,371,837$521,277$8,214,884
75$11,982,013$1,384,256$483,939$8,971,657
76$13,147,651$1,395,557$443,623$9,803,935
77$14,430,403$1,405,632$400,177$10,719,403
78$15,842,159$1,414,363$353,438$11,726,530
79$17,396,020$1,421,627$303,239$12,834,646
80$19,106,421$1,427,294$249,404$14,054,040
81$20,989,267$1,431,222$191,750$15,396,047
82$23,062,083$1,433,263$130,085$16,873,161
83$25,344,183$1,433,260$64,209$18,499,152
84$27,856,844$1,431,044$0$20,289,195
85$30,623,514$1,426,437$0$22,260,862
86$33,670,031$1,419,251$0$24,441,298
87$37,024,864$1,409,284$0$26,841,937
88$40,719,386$1,396,325$0$29,485,200
89$44,788,165$1,380,147$0$32,395,796
90$49,269,296$1,360,512$0$35,600,958
91$54,204,753$1,337,166$0$39,130,692
92$59,640,791$1,309,840$0$43,018,070
93$65,628,380$1,278,251$0$47,299,535
94$72,223,686$1,242,097$0$52,015,250
95$79,488,602$1,201,060$0$57,209,474
96$87,491,330$1,154,802$0$62,930,982
97$96,307,025$1,102,966$0$69,233,527
98$106,018,505$1,045,176$0$76,176,343
99$116,717,034$981,030$0$83,824,709
100$128,503,179$910,108$0$92,250,565