Can I retire at age 44 with 875,000?

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 $875,000?

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$72,257$71,613$70,985$70,372$69,774$67,459
2 years$35,771$35,104$34,459$33,833$33,226$30,916
3 years$23,610$22,941$22,297$21,677$21,080$18,848
4 years$17,531$16,864$16,227$15,617$15,034$12,897
5 years$13,885$13,222$12,593$11,995$11,429$9,392
6 years$11,455$10,797$10,177$9,593$9,043$7,109
7 years$9,719$9,067$8,457$7,887$7,355$5,522
8 years$8,419$7,772$7,172$6,616$6,101$4,369
9 years$7,407$6,767$6,177$5,635$5,138$3,504
10 years$6,599$5,965$5,385$4,858$4,378$2,840
11 years$5,938$5,310$4,741$4,228$3,765$2,320
12 years$5,387$4,766$4,208$3,708$3,263$1,907
13 years$4,922$4,307$3,759$3,274$2,845$1,576
14 years$4,523$3,915$3,378$2,906$2,494$1,307
15 years$4,178$3,576$3,050$2,592$2,196$1,088
16 years$3,877$3,281$2,765$2,321$1,941$908
17 years$3,611$3,022$2,516$2,085$1,721$760
18 years$3,375$2,792$2,297$1,879$1,530$637
19 years$3,164$2,588$2,103$1,698$1,364$534
20 years$2,974$2,405$1,930$1,538$1,218$449
21 years$2,802$2,240$1,775$1,396$1,090$378
22 years$2,647$2,091$1,636$1,269$977$318
23 years$2,505$1,956$1,510$1,156$877$268
24 years$2,375$1,832$1,397$1,054$788$226
25 years$2,256$1,720$1,294$963$709$191
26 years$2,146$1,616$1,200$880$639$161
27 years$2,044$1,521$1,114$806$576$136
28 years$1,950$1,433$1,036$738$520$115
29 years$1,863$1,352$964$677$469$97
30 years$1,781$1,277$898$621$424$82
31 years$1,705$1,207$837$571$383$69
32 years$1,634$1,142$781$524$347$59
33 years$1,567$1,082$729$482$314$49
34 years$1,504$1,025$681$444$284$42
35 years$1,445$972$637$408$257$35
36 years$1,390$923$596$376$233$30
37 years$1,337$877$558$347$211$25
38 years$1,288$833$522$319$192$21
39 years$1,241$792$489$295$174$18
40 years$1,196$754$459$272$158$15
41 years$1,154$717$430$251$143$13
42 years$1,114$683$403$231$130$11
43 years$1,076$651$379$214$118$9
44 years$1,040$620$355$197$107$8
45 years$1,005$592$334$182$97$7
46 years$972$564$313$168$88$6
47 years$941$539$294$155$80$5
48 years$911$514$277$144$73$4
49 years$882$491$260$133$66$3
50 years$854$469$244$123$60$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 44 starting with $875,000, adding $3,050 every year, while hoping to spend $49,697 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: 50/28/22 Blend
43$875,000$875,000$875,000$875,000
44$967,396$921,021$907,459$1,009,660
45$1,013,193$913,274$884,981$1,031,546
46$1,061,996$903,481$860,085$1,050,020
47$1,114,059$891,491$832,637$1,069,068
48$1,169,660$877,141$802,497$1,088,764
49$1,229,104$860,260$769,520$1,109,193
50$1,292,725$840,666$733,552$1,130,451
51$1,360,891$818,166$694,434$1,152,648
52$1,434,004$792,558$651,999$1,175,908
53$1,512,505$763,626$606,074$1,200,371
54$1,596,878$731,141$556,475$1,226,196
55$1,687,655$694,863$503,012$1,253,561
56$1,785,421$654,536$445,488$1,282,669
57$1,890,815$609,890$383,693$1,313,747
58$2,004,543$560,639$317,412$1,347,049
59$2,127,379$506,483$246,417$1,382,862
60$2,260,173$447,101$170,473$1,421,508
61$2,403,859$382,158$89,333$1,463,347
62$2,559,466$311,297$2,738$1,508,781
63$2,728,122$234,141$0$1,558,261
64$2,911,070$150,294$0$1,633,343
65$3,109,677$59,336$0$1,715,593
66$3,325,444$0$0$1,805,064
67$3,560,025$0$0$1,914,602
68$3,815,238$0$0$2,053,745
69$4,093,083$0$0$2,205,311
70$4,395,762$0$0$2,370,513
71$4,725,698$0$0$2,550,684
72$5,085,557$0$0$2,747,291
73$5,478,273$0$0$2,961,950
74$5,907,077$0$0$3,196,439
75$6,375,525$0$0$3,452,715
76$6,887,531$0$0$3,732,934
77$7,447,405$0$0$4,039,468
78$8,059,892$0$0$4,374,931
79$8,730,219$0$0$4,742,200
80$9,464,137$0$0$5,144,442
81$10,267,983$0$0$5,585,147
82$11,148,735$0$0$6,068,157
83$12,114,075$0$0$6,597,704
84$13,172,468$0$0$7,178,448
85$14,333,234$0$0$7,815,523
86$15,606,639$0$0$8,514,583
87$17,003,990$0$0$9,281,857
88$18,537,745$0$0$10,124,204
89$20,221,621$0$0$11,049,182
90$22,070,733$0$0$12,065,115
91$24,101,730$0$0$13,181,175
92$26,332,951$0$0$14,407,463
93$28,784,601$0$0$15,755,110
94$31,478,939$0$0$17,236,376
95$34,440,487$0$0$18,864,770
96$37,696,258$0$0$20,655,175
97$41,276,019$0$0$22,623,985
98$45,212,559$0$0$24,789,267
99$49,542,007$0$0$27,170,924
100$54,304,169$0$0$29,790,883