How Much Do I Need to Retire? Find Your Number by Income

Choose the yearly income you'd like your savings to replace in retirement. Each page shows the nest egg you'd need under the classic 4% rule (25× your spending) and at more conservative withdrawal rates, plus a quick tool to check how close you already are.

The rule of thumb is simple: your target portfolio is your annual retirement spending divided by your withdrawal rate. At 4%, that's 25 times your spending. Pick your number below to see the exact figure and the full breakdown.

Prefer to model your own timeline — factoring in what you already have, how much you invest each year, and your expected return? Use the full FIRE calculator.

General educational information only, not personalized financial advice. Withdrawal-rate rules are guidelines, not guarantees.