How Much Do You Need To Retire Comfortably?
Get an estimated retirement savings target in about 2 minutes.
EXAMPLE ESTIMATE
Total Savings Target
• Monthly Income Goal: $4,000
• Retirement Age: 65
• 30-Year Income Projection
Example only. This is not financial advice. Actual needs depend on personal circumstances and market conditions.
EXAMPLE ESTIMATE
Total Savings Target
• Monthly Income Goal: $4,000
• Retirement Age: 65
• 30-Year Income Projection
Example only. This is not financial advice. Actual needs depend on personal circumstances and market conditions.
How It Works
Get your estimated retirement savings target in just a few simple steps
1. Enter Your Details
Tell us your current age, desired retirement age, and how much monthly income you'd like.
2. Get Your Estimate
We calculate your savings target using widely accepted 4%–5% withdrawal rate guidelines.
3. Explore Your Options
See personalized strategies and optionally connect with a licensed retirement specialist.
How Is This Calculated?
Many financial planners use a 4%–5% annual withdrawal guideline when estimating retirement income sustainability. This calculator provides a simplified projection for educational purposes.
The idea is straightforward: if you withdraw 4% of your savings each year, your portfolio has a higher chance of lasting through a 30-year retirement. A 5% withdrawal rate provides more income but carries slightly more risk of depletion over time.
Your actual retirement needs depend on many factors including Social Security benefits, pension income, healthcare costs, inflation, investment returns, and your personal lifestyle goals.
This estimate is for informational purposes only and does not constitute financial advice. Results are based on general retirement planning models using a 4%–5% annual withdrawal rate and may not reflect actual outcomes. Strategy availability depends on state regulations, suitability, and licensed professional review. Consult a licensed financial advisor for personalized guidance.