How much do I need to retire at 70?

Retiring later can reduce the required target and increase your compounding time. Use a conservative range to estimate your target portfolio.

Retiring later changes the math

A later retirement may mean fewer years to fund and more time for compounding. It also gives you more years to contribute.

Run both withdrawal rates to see a range. If you want extra safety, focus on the conservative plan first.

Once you have a target portfolio, use Start Late? to estimate the monthly contribution needed to reach it.

Should I use 3% or 4%?

Use both. 3% is conservative. 4% is a common guideline. Compare the range.

Does this include pensions/super?

Not automatically. If you expect guaranteed income later, subtract it from what your portfolio must provide.

Is this a guarantee?

No — it’s a scenario model to help you plan. Real returns vary.

What if my target looks too high?

Lower spending, delay retirement, increase contributions, or plan a partial retirement approach.

What’s the best next step?

Choose a conservative plan you can stick with, then increase contributions gradually.