Retirement targets by age

How much you need to retire at any age (40 to 70) for any annual spending level ($30K to $150K). Each page shows an illustrative FI number, a stated starting-rate assumption, required monthly savings by starting age, and the calculation limits. To customize freely, use our retirement calculator.

Featured scenarios

Retire at 45

$50,000/year spending

→ Need $1,515,152

Retire at 50

$50,000/year spending

→ Need $1,428,571

Retire at 65

$60,000/year spending

→ Need $1,333,333

Retire at 55

$75,000/year spending

→ Need $2,027,027

Retire at 40

$50,000/year spending

→ Need $1,538,462

Retire at 67

$100,000/year spending

→ Need $2,222,222

Retire at 60

$60,000/year spending

→ Need $1,500,000

Retire at 65

$100,000/year spending

→ Need $2,222,222

Retire at 45

$30,000/year spending

→ Need $909,091

Browse by retirement age

Age 40$50K/yr spend Age 45$50K/yr spend Age 50$50K/yr spend Age 55$50K/yr spend Age 60$50K/yr spend Age 62$50K/yr spend Age 65$50K/yr spend Age 67$50K/yr spend Age 70$50K/yr spend

Browse by annual spending

$30,000/yrRetire at 65 $40,000/yrRetire at 65 $50,000/yrRetire at 65 $60,000/yrRetire at 65 $75,000/yrRetire at 65 $100,000/yrRetire at 65 $150,000/yrRetire at 65

How these are calculated

Each page applies the arithmetic FI multiplier framework: target portfolio = annual spending × (100 ÷ stated starting rate). The rate changes by the illustrative horizon so you can compare scenarios; historical studies do not establish one universally safe rate. Fees, taxes, inflation, market sequence, spending flexibility and your personal Social Security estimate must be modeled separately.

For the underlying theory, read the pillar guides The 25× Rule for Early Retirement and Sequence of Returns Risk.