How Much Do You Need to Retire?

Enter your target annual spending and your safe withdrawal rate. The calculator returns the portfolio value that supports it.

How to use this calculator

The classic 4% rule says you can withdraw 4% of a retirement portfolio in year one and adjust for inflation each year after, with high probability of the portfolio lasting 30+ years. Your number is your annual spending divided by your withdrawal rate. This calculator shows three scenarios - conservative (3%), moderate (4%), and optimistic (5%).

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