Higher income goals require a larger portfolio. Use conservative assumptions first, then compare with a mid scenario.
Use the Retirement Calculator| Rule | Portfolio needed |
|---|---|
| 4% withdrawal rule (standard) | ~$2,500,000 |
| 3% withdrawal rule (conservative) | ~$3,333,000 |
| 5% withdrawal rule (aggressive) | ~$2,000,000 |
| Starting age (retiring at 65) | Monthly investment needed at 7% |
|---|---|
| Age 25 (40 years) | ~$952/month |
| Age 30 (35 years) | ~$1,388/month |
| Age 35 (30 years) | ~$2,049/month |
| Age 40 (25 years) | ~$3,086/month |
| Age 45 (20 years) | ~$4,799/month |
Retiring on $100,000 a year is a premium retirement goal that requires a $2,500,000 portfolio using the 4% withdrawal rule — putting it in reach for high income earners and disciplined long term investors. At $100,000 a year you're well above the average Australian retirement income, providing genuine financial freedom and lifestyle flexibility. Starting at 25 it's achievable with around $952 a month — less than many people spend on rent — but waiting until 45 pushes the required monthly investment to nearly $4,800. For most Australians this goal requires either a very early start, a high income, or both. Use the retirement calculator above to model your exact pathway.
Target portfolio ≈ $100,000 ÷ withdrawal rate.
If this target looks too high, test lower spending, retire later, or add other income sources.
Use both. 3% is conservative. 4% is a common guideline. Compare the range.
Not automatically. If you expect guaranteed income later, subtract it from what your portfolio must provide.
No — it’s a scenario model to help you plan. Real returns vary.
Lower spending, delay retirement, increase contributions, or plan a partial retirement approach.
Choose a conservative plan you can stick with, then increase contributions gradually.