How much do I need to retire on $100,000 a year?

Higher income goals require a larger portfolio. Use conservative assumptions first, then compare with a mid scenario.

Simple estimate

Target portfolio ≈ $100,000 ÷ withdrawal rate.

If this target looks too high, test lower spending, retire later, or add other income sources.

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.