Can I retire at age 44 with 825,000?

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 $825,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$68,128$67,521$66,929$66,351$65,787$63,604
2 years$33,727$33,098$32,490$31,899$31,327$29,150
3 years$22,261$21,630$21,023$20,438$19,875$17,771
4 years$16,529$15,900$15,299$14,725$14,175$12,160
5 years$13,091$12,466$11,873$11,310$10,776$8,855
6 years$10,800$10,180$9,595$9,045$8,526$6,702
7 years$9,164$8,549$7,974$7,436$6,934$5,206
8 years$7,938$7,328$6,762$6,238$5,753$4,119
9 years$6,984$6,380$5,824$5,313$4,845$3,304
10 years$6,222$5,624$5,078$4,580$4,128$2,678
11 years$5,599$5,007$4,470$3,986$3,550$2,187
12 years$5,080$4,494$3,967$3,496$3,076$1,798
13 years$4,641$4,061$3,545$3,087$2,683$1,486
14 years$4,265$3,691$3,185$2,740$2,352$1,233
15 years$3,940$3,372$2,875$2,444$2,071$1,026
16 years$3,655$3,094$2,607$2,188$1,830$856
17 years$3,404$2,849$2,372$1,966$1,623$716
18 years$3,182$2,633$2,166$1,772$1,443$600
19 years$2,983$2,440$1,982$1,601$1,286$504
20 years$2,804$2,267$1,819$1,450$1,149$423
21 years$2,642$2,112$1,674$1,316$1,028$356
22 years$2,496$1,972$1,542$1,196$921$300
23 years$2,362$1,844$1,424$1,090$827$253
24 years$2,239$1,728$1,317$994$743$213
25 years$2,127$1,621$1,220$908$669$180
26 years$2,023$1,524$1,131$830$603$152
27 years$1,928$1,434$1,051$760$543$128
28 years$1,839$1,351$977$696$490$108
29 years$1,756$1,275$909$638$443$91
30 years$1,679$1,204$847$586$400$77
31 years$1,608$1,138$789$538$362$65
32 years$1,540$1,077$736$494$327$55
33 years$1,477$1,020$688$455$296$47
34 years$1,418$967$642$418$268$39
35 years$1,363$917$601$385$243$33
36 years$1,310$870$562$355$220$28
37 years$1,261$826$526$327$199$24
38 years$1,214$785$492$301$181$20
39 years$1,170$747$461$278$164$17
40 years$1,128$711$432$256$149$14
41 years$1,088$676$406$236$135$12
42 years$1,050$644$380$218$122$10
43 years$1,014$614$357$201$111$9
44 years$980$585$335$186$101$7
45 years$948$558$315$172$92$6
46 years$917$532$295$159$83$5
47 years$887$508$278$147$75$4
48 years$859$485$261$135$69$4
49 years$831$463$245$125$62$3
50 years$805$442$231$116$57$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $825,000, adding $6,369 every year, while hoping to spend $24,177 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: 56/22/22 Blend
43$825,000$825,000$825,000$825,000
44$915,720$871,995$859,207$961,211
45$983,399$888,998$862,266$1,010,028
46$1,057,171$906,025$864,618$1,060,079
47$1,137,632$923,050$866,212$1,114,088
48$1,225,438$940,047$866,998$1,172,441
49$1,321,311$956,987$866,921$1,235,565
50$1,426,046$973,840$865,923$1,303,930
51$1,540,517$990,573$863,946$1,378,056
52$1,665,689$1,007,150$860,927$1,458,515
53$1,802,621$1,023,532$856,800$1,545,936
54$1,952,481$1,039,678$851,496$1,641,017
55$2,116,557$1,055,545$844,944$1,744,523
56$2,296,263$1,071,084$837,066$1,857,302
57$2,493,159$1,086,244$827,786$1,980,284
58$2,708,963$1,100,972$817,018$2,114,501
59$2,945,566$1,115,209$804,677$2,261,084
60$3,205,052$1,128,892$790,672$2,421,286
61$3,489,715$1,141,956$774,908$2,596,484
62$3,802,083$1,154,328$757,284$2,788,201
63$4,144,939$1,165,935$737,697$2,998,113
64$4,521,351$1,176,693$716,038$3,228,069
65$4,934,696$1,186,519$692,192$3,480,109
66$5,388,696$1,195,318$666,041$3,756,479
67$5,887,449$1,202,995$637,460$4,059,660
68$6,435,472$1,209,445$606,318$4,392,384
69$7,037,740$1,214,558$572,479$4,757,666
70$7,699,733$1,218,215$535,801$5,158,828
71$8,427,490$1,220,291$496,134$5,599,534
72$9,227,663$1,220,655$453,324$6,083,824
73$10,107,582$1,219,165$407,208$6,616,151
74$11,075,322$1,215,670$357,616$7,201,426
75$12,139,779$1,210,012$304,370$7,845,061
76$13,310,756$1,202,023$247,287$8,553,027
77$14,599,054$1,191,522$186,171$9,331,901
78$16,016,572$1,178,321$120,822$10,188,940
79$17,576,422$1,162,219$51,029$11,132,139
80$19,293,050$1,143,001$0$12,170,315
81$21,182,376$1,120,442$0$13,318,693
82$23,261,937$1,094,303$0$14,595,624
83$25,551,062$1,064,331$0$16,000,983
84$28,071,043$1,030,256$0$17,547,850
85$30,845,347$991,796$0$19,250,639
86$33,899,828$948,650$0$21,125,237
87$37,262,976$900,499$0$23,189,151
88$40,966,185$847,008$0$25,461,677
89$45,044,045$787,822$0$27,964,080
90$49,534,676$722,563$0$30,719,795
91$54,480,080$650,835$0$33,754,651
92$59,926,539$572,218$0$37,097,114
93$65,925,057$486,267$0$40,778,554
94$72,531,833$392,514$0$44,833,545
95$79,808,796$290,464$0$49,300,190
96$87,824,189$179,592$0$54,220,482
97$96,653,212$59,347$0$59,640,698
98$106,378,729$0$0$65,611,844
99$117,092,057$0$0$72,207,280
100$128,893,819$0$0$79,488,727