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 the FI number, recommended withdrawal rate (calibrated for retirement length), required monthly savings by starting age, and Social Security offset where applicable. 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 standard FI multiplier framework: target portfolio = annual spending × (100 ÷ withdrawal rate). The withdrawal rate is calibrated for retirement length: 4% for 30-year retirements (Trinity Study, 1998), dropping to 3.25–3.5% for 40–50 year early-retirement horizons per Big ERN, Karsten Jeske, and Morningstar State of Retirement Income research. Social Security offset is estimated at ~$750K equivalent (based on $30K/year average benefit at FRA 67) and applies only when retirement age is 62 or later.

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