How much money do I need to retire?
A widely used guideline is the '25x Rule': multiply your expected annual retirement spending by 25 to find your target nest egg. This is derived from the 4% safe withdrawal rate — the research-backed amount you can withdraw annually with a high probability of not running out of money over 30 years.
What is the 4% rule?
The 4% rule (from the Trinity Study, 1998) states that retirees can withdraw 4% of their portfolio in the first year of retirement, then increase withdrawals with inflation each year, and have a very high probability of not outliving their money over a 30-year retirement.
What annual return rate should I use?
Historically, the US stock market (S&P 500) has returned around 10% nominally or 7% in real (inflation-adjusted) terms per year over the long term. For a balanced portfolio of stocks and bonds, 5–6% real return is a reasonable assumption. This calculator uses nominal returns; subtract 2–3% for a real-return estimate.
Is this financial advice?
No. This calculator is for educational and planning purposes only. It provides estimates based on the parameters you enter and widely used financial models. Individual circumstances vary greatly — consult a licensed financial advisor for personalized advice.
Does this tool store my data?
No. All calculations happen entirely in your browser. No financial data is sent to any server, stored in any database, or shared with any third party.