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Retirement calculator
See when you can retire, your FI number, and the monthly savings you need to get there. Free, instant, no sign-up.
How to use this retirement calculator
Enter your current portfolio balance (401k + IRA + taxable brokerage), your monthly contributions (yours plus any employer match), an expected annual return, and the years until you want to retire. The result is your projected portfolio value — multiply your annual spending by 25 to compare against your FI number.
Your FI number (the 4% rule)
| Annual spending | FI number (25×) | Monthly withdrawal at 4% |
|---|---|---|
| $40,000 | $1.0M | $3,333 |
| $60,000 | $1.5M | $5,000 |
| $80,000 | $2.0M | $6,667 |
| $100,000 | $2.5M | $8,333 |
| $120,000 | $3.0M | $10,000 |
How long to retirement at different savings rates
With a 7% real return, your savings rate (percent of take-home pay you save) determines your time horizon:
- 10% savings rate: 51 years to retirement
- 20% savings rate: 37 years
- 30% savings rate: 28 years
- 40% savings rate: 22 years
- 50% savings rate: 17 years
- 65% savings rate: 10.5 years
- 75% savings rate: 7 years
Retirement calculator FAQ
How much do I need to retire?
Multiply your expected annual retirement spending by 25 — that's your FI (Financial Independence) number under the 4% rule. If you spend $50,000/year, you need $1.25M. If you spend $80,000/year, you need $2M.
What is the 4% rule?
The 4% rule (Trinity Study) says you can withdraw 4% of your portfolio in year one of retirement and adjust for inflation each year after, with very high odds of not running out over 30 years. It assumes a 50/50 to 75/25 stock/bond portfolio.
Can I retire at 55? At 50? At 45?
Yes, if you have 25× your annual spending invested. Retiring before 59½ means you need to access funds via a Roth conversion ladder, Rule 72(t) SEPP, or taxable brokerage to bridge until traditional retirement accounts unlock penalty-free.
How much should I save each month to retire?
Aim for 15–25% of gross income if you start in your 20s, 25–40% if you start in your 30s, and 40%+ if you start later. Saving rate matters more than investment return for the first 10–15 years.
Does this retirement calculator account for Social Security?
This calculator projects your portfolio value. To factor in Social Security, reduce your portfolio's required income by your expected monthly Social Security benefit. Use our Social Security estimator for the benefit number.