Calculators › How Much Do I Need?

🎯 How Much Do I Need to Retire?

Work out your target nest egg from how much you plan to spend, minus guaranteed income like Social Security or a pension, using a safe withdrawal rate.

Desired annual spending ($)

Other annual income — Social Security, pension ($)

Safe withdrawal rate (%)

Nest egg you'll need

Your portfolio must produce

That's roughly—

The 4% rule is a well-tested guideline, not a guarantee — a lower rate is safer for early or long retirements. Not financial advice.