How much do I need to retire on $40,000 a year?

Using a withdrawal-rate method, you can estimate a target portfolio size. Then model your path with the retirement calculator.

Quick estimate

A simple method is: target portfolio = yearly income ÷ withdrawal rate.

Example: $40,000 ÷ 0.04 = $1,000,000 (before tax/fees).

Use these as rough starting points, not guarantees.

Is $40,000/year before or after tax?

This is a simplified number. In practice you’d plan around after-tax spending and account types.

Is 4% safe?

It’s a guideline, not a guarantee. Try 3–4% to see a conservative range.

What if I’ll have other income later?

If you expect guaranteed income later, your portfolio may not need to cover the full amount.

Can I model a part-time retirement?

Yes — lower the income goal and compare targets.

What’s the best way to get there?

Increase contributions, reduce spending, extend timeline, and keep fees low where possible.