🌴 Retirement Calculator
Enter your details to project your retirement savings
How Much Do You Need to Retire?
A common rule of thumb is the "25x rule" -- you need 25 times your annual expenses saved to retire comfortably. This is based on a 4% annual withdrawal rate, which historically has allowed retirement savings to last 30+ years. For example, if you need $48,000/year in retirement, you'd need about $1.2 million saved.
Starting early makes a massive difference due to compound interest. Someone who starts saving $500/month at 25 will have roughly twice as much at retirement as someone who starts at 35, even though they only contributed for 10 extra years.
This calculator provides estimates only. Actual returns vary and are not guaranteed. Consult a licensed financial advisor for personalized retirement planning.