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%15.5%
1 years$68,128$67,521$66,929$66,351$65,787$64,301
2 years$33,727$33,098$32,490$31,899$31,327$29,838
3 years$22,261$21,630$21,023$20,438$19,875$18,429
4 years$16,529$15,900$15,299$14,725$14,175$12,784
5 years$13,091$12,466$11,873$11,310$10,776$9,443
6 years$10,800$10,180$9,595$9,045$8,526$7,253
7 years$9,164$8,549$7,974$7,436$6,934$5,721
8 years$7,938$7,328$6,762$6,238$5,753$4,599
9 years$6,984$6,380$5,824$5,313$4,845$3,750
10 years$6,222$5,624$5,078$4,580$4,128$3,090
11 years$5,599$5,007$4,470$3,986$3,550$2,569
12 years$5,080$4,494$3,967$3,496$3,076$2,150
13 years$4,641$4,061$3,545$3,087$2,683$1,809
14 years$4,265$3,691$3,185$2,740$2,352$1,529
15 years$3,940$3,372$2,875$2,444$2,071$1,297
16 years$3,655$3,094$2,607$2,188$1,830$1,104
17 years$3,404$2,849$2,372$1,966$1,623$942
18 years$3,182$2,633$2,166$1,772$1,443$805
19 years$2,983$2,440$1,982$1,601$1,286$690
20 years$2,804$2,267$1,819$1,450$1,149$591
21 years$2,642$2,112$1,674$1,316$1,028$508
22 years$2,496$1,972$1,542$1,196$921$437
23 years$2,362$1,844$1,424$1,090$827$376
24 years$2,239$1,728$1,317$994$743$324
25 years$2,127$1,621$1,220$908$669$279
26 years$2,023$1,524$1,131$830$603$241
27 years$1,928$1,434$1,051$760$543$208
28 years$1,839$1,351$977$696$490$179
29 years$1,756$1,275$909$638$443$155
30 years$1,679$1,204$847$586$400$134
31 years$1,608$1,138$789$538$362$116
32 years$1,540$1,077$736$494$327$100
33 years$1,477$1,020$688$455$296$87
34 years$1,418$967$642$418$268$75
35 years$1,363$917$601$385$243$65
36 years$1,310$870$562$355$220$56
37 years$1,261$826$526$327$199$48
38 years$1,214$785$492$301$181$42
39 years$1,170$747$461$278$164$36
40 years$1,128$711$432$256$149$31
41 years$1,088$676$406$236$135$27
42 years$1,050$644$380$218$122$24
43 years$1,014$614$357$201$111$20
44 years$980$585$335$186$101$18
45 years$948$558$315$172$92$15
46 years$917$532$295$159$83$13
47 years$887$508$278$147$75$11
48 years$859$485$261$135$69$10
49 years$831$463$245$125$62$9
50 years$805$442$231$116$57$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $825,000, adding $2,779 every year, while hoping to spend $24,544 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: 84/8/8 Blend
43$825,000$825,000$825,000$825,000
44$912,017$868,292$855,504$987,571
45$978,928$884,723$858,049$1,053,773
46$1,051,841$901,137$859,856$1,122,870
47$1,131,343$917,507$860,876$1,198,000
48$1,218,079$933,804$861,054$1,279,753
49$1,312,759$949,997$860,335$1,368,779
50$1,416,166$966,052$858,662$1,465,795
51$1,529,159$981,932$855,971$1,571,590
52$1,652,686$997,601$852,200$1,687,031
53$1,787,792$1,013,014$847,280$1,813,077
54$1,935,624$1,028,129$841,141$1,950,780
55$2,097,447$1,042,897$833,708$2,101,302
56$2,274,654$1,057,267$824,906$2,265,921
57$2,468,780$1,071,184$814,651$2,446,046
58$2,681,513$1,084,589$802,859$2,643,229
59$2,914,714$1,097,421$789,441$2,859,179
60$3,170,431$1,109,611$774,304$3,095,780
61$3,450,921$1,121,088$757,349$3,355,106
62$3,758,671$1,131,777$738,476$3,639,445
63$4,096,417$1,141,595$717,577$3,951,314
64$4,467,175$1,150,458$694,539$4,293,490
65$4,874,268$1,158,271$669,248$4,669,029
66$5,321,355$1,164,938$641,579$5,081,301
67$5,812,467$1,170,354$611,406$5,534,019
68$6,352,045$1,174,407$578,594$6,031,273
69$6,944,981$1,176,981$543,004$6,577,571
70$7,596,665$1,177,949$504,491$7,177,878
71$8,313,034$1,177,178$462,901$7,837,669
72$9,100,631$1,174,527$418,075$8,562,973
73$9,966,662$1,169,845$369,848$9,360,435
74$10,919,068$1,162,974$318,044$10,237,380
75$11,966,598$1,153,744$262,483$11,201,875
76$13,118,889$1,141,976$202,975$12,262,813
77$14,386,563$1,127,480$139,321$13,429,992
78$15,781,320$1,110,054$71,316$14,714,211
79$17,316,053$1,089,486$0$16,127,368
80$19,004,968$1,065,548$0$17,682,682
81$20,863,717$1,038,001$0$19,401,000
82$22,909,545$1,006,593$0$21,292,171
83$25,161,456$971,053$0$23,373,762
84$27,640,389$931,100$0$25,665,134
85$30,369,416$886,431$0$28,187,617
86$33,373,960$836,729$0$30,964,719
87$36,682,033$781,658$0$34,022,343
88$40,324,503$720,862$0$37,389,032
89$44,335,384$653,965$0$41,096,240
90$48,752,154$580,571$0$45,178,628
91$53,616,114$500,259$0$49,674,390
92$58,972,772$412,586$0$54,625,617
93$64,872,275$317,083$0$60,078,688
94$71,369,882$213,256$0$66,084,715
95$78,526,486$100,580$0$72,700,020
96$86,409,184$0$0$79,986,669
97$95,091,917$0$0$88,014,949
98$104,656,162$0$0$96,868,073
99$115,191,704$0$0$106,620,297
100$126,797,480$0$0$117,363,205