Can I retire at age 44 with 810,000?

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 $810,000?

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 years$66,889$66,293$65,712$65,145$64,591$63,783
2 years$33,113$32,497$31,899$31,319$30,757$29,945
3 years$21,856$21,237$20,641$20,067$19,514$18,722
4 years$16,229$15,611$15,021$14,457$13,917$13,152
5 years$12,853$12,240$11,657$11,104$10,580$9,843
6 years$10,604$9,994$9,421$8,880$8,371$7,664
7 years$8,997$8,393$7,829$7,301$6,808$6,130
8 years$7,793$7,195$6,639$6,125$5,648$5,000
9 years$6,857$6,264$5,718$5,217$4,756$4,138
10 years$6,109$5,522$4,985$4,497$4,053$3,463
11 years$5,497$4,916$4,389$3,914$3,486$2,924
12 years$4,987$4,412$3,895$3,433$3,020$2,487
13 years$4,556$3,987$3,480$3,031$2,634$2,127
14 years$4,187$3,624$3,127$2,690$2,309$1,829
15 years$3,868$3,311$2,823$2,399$2,033$1,578
16 years$3,589$3,038$2,560$2,148$1,797$1,367
17 years$3,342$2,797$2,329$1,930$1,593$1,187
18 years$3,124$2,585$2,126$1,739$1,416$1,033
19 years$2,929$2,396$1,946$1,572$1,263$902
20 years$2,753$2,226$1,786$1,424$1,128$788
21 years$2,594$2,074$1,643$1,292$1,009$690
22 years$2,450$1,936$1,514$1,175$905$605
23 years$2,319$1,810$1,398$1,070$812$531
24 years$2,199$1,696$1,293$976$730$466
25 years$2,088$1,592$1,198$891$657$410
26 years$1,987$1,496$1,111$815$592$361
27 years$1,892$1,408$1,031$746$533$318
28 years$1,805$1,327$959$683$481$280
29 years$1,724$1,252$892$627$435$247
30 years$1,649$1,182$831$575$393$218
31 years$1,578$1,117$775$528$355$192
32 years$1,512$1,057$723$485$321$169
33 years$1,451$1,001$675$446$291$150
34 years$1,393$949$631$411$263$132
35 years$1,338$900$590$378$238$117
36 years$1,286$854$552$348$216$103
37 years$1,238$811$516$321$196$91
38 years$1,192$771$484$296$177$81
39 years$1,149$733$453$273$161$71
40 years$1,107$698$425$251$146$63
41 years$1,068$664$398$232$132$56
42 years$1,031$632$373$214$120$49
43 years$996$603$350$198$109$44
44 years$962$574$329$183$99$38
45 years$930$548$309$169$90$34
46 years$900$523$290$156$82$30
47 years$871$499$273$144$74$27
48 years$843$476$256$133$67$24
49 years$816$455$241$123$61$21
50 years$791$434$226$114$55$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $810,000, adding $3,192 every year, while hoping to spend $38,325 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: 57/20/23 Blend
43$810,000$810,000$810,000$810,000
44$895,913$852,983$840,428$941,239
45$946,518$854,001$827,804$973,573
46$1,001,001$853,785$813,474$1,004,441
47$1,059,716$852,234$797,338$1,037,262
48$1,123,054$849,240$779,295$1,072,233
49$1,191,442$844,689$759,238$1,109,575
50$1,265,351$838,461$737,055$1,149,531
51$1,345,299$830,428$712,629$1,192,371
52$1,431,855$820,455$685,838$1,238,397
53$1,525,644$808,396$656,553$1,287,939
54$1,627,353$794,101$624,640$1,341,366
55$1,737,738$777,407$589,961$1,399,086
56$1,857,631$758,143$552,368$1,461,550
57$1,987,946$736,129$511,709$1,529,260
58$2,129,690$711,173$467,825$1,602,768
59$2,283,969$683,071$420,548$1,682,689
60$2,452,002$651,610$369,704$1,769,700
61$2,635,128$616,561$315,112$1,864,554
62$2,834,824$577,685$256,581$1,968,082
63$3,052,713$534,729$193,913$2,081,202
64$3,290,581$487,422$126,901$2,204,932
65$3,550,397$435,482$55,328$2,340,398
66$3,834,325$378,608$0$2,488,842
67$4,144,751$316,484$0$2,656,808
68$4,484,298$248,775$0$2,855,474
69$4,855,858$175,126$0$3,072,989
70$5,262,613$95,165$0$3,311,274
71$5,708,068$8,497$0$3,572,447
72$6,196,082$0$0$3,858,845
73$6,730,907$0$0$4,191,816
74$7,317,222$0$0$4,558,966
75$7,960,184$0$0$4,961,662
76$8,665,472$0$0$5,403,470
77$9,439,339$0$0$5,888,318
78$10,288,675$0$0$6,420,531
79$11,221,069$0$0$7,004,876
80$12,244,880$0$0$7,646,601
81$13,369,317$0$0$8,351,491
82$14,604,523$0$0$9,125,914
83$15,961,673$0$0$9,976,890
84$17,453,079$0$0$10,912,149
85$19,092,302$0$0$11,940,210
86$20,894,285$0$0$13,070,456
87$22,875,490$0$0$14,313,226
88$25,054,051$0$0$15,679,911
89$27,449,952$0$0$17,183,059
90$30,085,207$0$0$18,836,499
91$32,984,072$0$0$20,655,463
92$36,173,271$0$0$22,656,737
93$39,682,251$0$0$24,858,816
94$43,543,454$0$0$27,282,076
95$47,792,630$0$0$29,948,970
96$52,469,165$0$0$32,884,236
97$57,616,459$0$0$36,115,135
98$63,282,335$0$0$39,671,702
99$69,519,482$0$0$43,587,032
100$76,385,963$0$0$47,897,594