How much do I need to retire?
This retirement calculator helps you estimate the investment balance you might need to fund a target yearly income. Change the withdrawal rate, years in retirement, and expected return to see how the plan shifts.
This retirement calculator helps you estimate the investment balance you might need to fund a target yearly income. Change the withdrawal rate, years in retirement, and expected return to see how the plan shifts.
Monthly needed: $
Extra per month: $
This page uses a simple planning idea: a “safe withdrawal rate”. For example, a 4% withdrawal rate suggests a $1,000,000 portfolio could support roughly $40,000 per year (before tax and fees).
Returns are never guaranteed. This tool is for educational purposes only.
It’s a planning guideline that estimates how much you might withdraw annually from investments without running out too early. Many people use 4% as a rough starting point.
It depends on your situation and market conditions. For more caution, some people use 3–3.5%. For more risk, some use higher. This tool lets you test different rates.
It’s the estimated portfolio size needed to support your chosen annual income using your selected withdrawal rate.
Because compounding magnifies differences over long periods. Small return differences can produce very different outcomes over 20–30 years.
Common levers are investing more monthly, increasing time (retire a bit later), or using more conservative income expectations. You can also explore compounding basics here: How it works →