Retirement Calculator (How Much Do I Need?)
Retirement calculator: how much you will have saved by retirement, how much you need (4 % rule) and the monthly saving that closes the gap.
Goal = 25 × annual spending (4 % rule)
How to use this calculator
- Type your input in the box.
- The result updates as you type.
- Use “Copy result” or “Copy link” to share it.
The goal is the yearly income you want divided by the safe withdrawal rate — 25× spending at 4 %.
Use a real (after-inflation) return so the result is in today’s money.
Estimates for planning only; not financial advice. Your lender’s or provider’s figures may differ.
Frequently asked questions
Age 35, $50,000 saved, $500 a month at 6 %, retiring at 65 wanting $40,000 a year?
About $803,000 projected against a $1,000,000 goal; you would need to save about $696 a month.
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