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%16.5%
1 years$63,999$63,429$62,873$62,330$61,800$60,159
2 years$31,683$31,093$30,521$29,966$29,428$27,787
3 years$20,912$20,319$19,749$19,200$18,671$17,080
4 years$15,528$14,937$14,372$13,832$13,316$11,788
5 years$12,298$11,711$11,153$10,624$10,123$8,662
6 years$10,145$9,563$9,014$8,496$8,010$6,617
7 years$8,609$8,031$7,490$6,985$6,514$5,190
8 years$7,456$6,884$6,352$5,860$5,404$4,148
9 years$6,561$5,994$5,471$4,991$4,551$3,361
10 years$5,845$5,283$4,770$4,303$3,878$2,753
11 years$5,259$4,703$4,199$3,745$3,335$2,274
12 years$4,772$4,221$3,727$3,284$2,890$1,891
13 years$4,359$3,815$3,330$2,900$2,520$1,580
14 years$4,006$3,468$2,992$2,574$2,209$1,326
15 years$3,701$3,168$2,701$2,296$1,945$1,117
16 years$3,434$2,906$2,449$2,055$1,719$944
17 years$3,198$2,677$2,229$1,847$1,524$800
18 years$2,989$2,473$2,034$1,664$1,355$679
19 years$2,802$2,292$1,862$1,504$1,208$577
20 years$2,634$2,130$1,709$1,362$1,079$491
21 years$2,482$1,984$1,572$1,236$966$419
22 years$2,344$1,852$1,449$1,124$866$357
23 years$2,219$1,732$1,338$1,024$777$305
24 years$2,104$1,623$1,237$934$698$261
25 years$1,998$1,523$1,146$853$628$223
26 years$1,901$1,431$1,063$780$566$191
27 years$1,811$1,347$987$714$510$163
28 years$1,727$1,269$917$654$460$140
29 years$1,650$1,198$854$600$416$120
30 years$1,578$1,131$795$550$376$103
31 years$1,510$1,069$741$505$340$88
32 years$1,447$1,012$692$464$307$75
33 years$1,388$958$646$427$278$65
34 years$1,332$908$603$393$252$55
35 years$1,280$861$564$362$228$48
36 years$1,231$817$528$333$207$41
37 years$1,184$776$494$307$187$35
38 years$1,140$738$463$283$170$30
39 years$1,099$702$433$261$154$26
40 years$1,060$667$406$241$140$22
41 years$1,022$635$381$222$127$19
42 years$987$605$357$205$115$16
43 years$953$577$335$189$104$14
44 years$921$550$315$175$95$12
45 years$890$524$296$161$86$10
46 years$861$500$278$149$78$9
47 years$833$477$261$138$71$8
48 years$807$455$245$127$64$7
49 years$781$435$230$118$58$6
50 years$757$415$217$109$53$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $775,000, adding $2,045 every year, while hoping to spend $24,919 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: 66/22/12 Blend
43$775,000$775,000$775,000$775,000
44$856,159$815,084$803,072$910,231
45$916,974$828,510$803,461$959,960
46$983,157$841,758$803,028$1,011,168
47$1,055,228$854,794$801,720$1,066,504
48$1,133,763$867,580$799,478$1,126,369
49$1,219,391$880,076$796,245$1,191,207
50$1,312,808$892,239$791,958$1,261,503
51$1,414,778$904,022$786,553$1,337,797
52$1,526,143$915,377$779,960$1,420,681
53$1,647,830$926,250$772,109$1,510,807
54$1,780,858$936,586$762,924$1,608,895
55$1,926,351$946,324$752,327$1,715,739
56$2,085,545$955,401$740,237$1,832,213
57$2,259,803$963,748$726,567$1,959,281
58$2,450,623$971,292$711,227$2,098,007
59$2,659,657$977,955$694,124$2,249,561
60$2,888,723$983,656$675,158$2,415,234
61$3,139,824$988,306$654,227$2,596,452
62$3,415,165$991,813$631,223$2,794,782
63$3,717,177$994,076$606,033$3,011,955
64$4,048,533$994,990$578,540$3,249,879
65$4,412,183$994,444$548,620$3,510,655
66$4,811,372$992,318$516,145$3,796,603
67$5,249,676$988,486$480,981$4,110,276
68$5,731,035$982,814$442,985$4,454,493
69$6,259,789$975,159$402,013$4,832,358
70$6,840,716$965,372$357,910$5,247,294
71$7,479,086$953,291$310,516$5,703,076
72$8,180,698$938,748$259,664$6,203,863
73$8,951,945$921,562$205,178$6,754,242
74$9,799,869$901,544$146,878$7,359,267
75$10,732,228$878,493$84,571$8,024,512
76$11,757,570$852,194$18,059$8,756,120
77$12,885,313$822,422$0$9,560,862
78$14,125,833$788,938$0$10,452,980
79$15,490,561$751,489$0$11,436,835
80$16,992,094$709,808$0$12,519,210
81$18,644,311$663,612$0$13,710,135
82$20,462,503$612,601$0$15,020,664
83$22,463,519$556,460$0$16,462,976
84$24,665,925$494,853$0$18,050,499
85$27,090,177$427,429$0$19,798,029
86$29,758,815$353,813$0$21,721,872
87$32,696,676$273,611$0$23,840,003
88$35,931,125$186,407$0$26,172,229
89$39,492,320$91,760$0$28,740,382
90$43,413,487$0$0$31,568,521
91$47,731,241$0$0$34,685,776
92$52,485,928$0$0$38,143,007
93$57,722,005$0$0$41,950,332
94$63,488,461$0$0$46,143,382
95$69,839,278$0$0$50,761,417
96$76,833,941$0$0$55,847,701
97$84,537,997$0$0$61,449,908
98$93,023,678$0$0$67,620,571
99$102,370,576$0$0$74,417,579
100$112,666,401$0$0$81,904,722