How much do you need to retire?
Your retirement number is the portfolio value you need to fund your lifestyle without running out of money. Calculate yours in seconds.
More calculators: 4% Rule (25x), Coast FIRE, Barista FIRE, All calculators.
Your inputs
Withdrawal rate
Income that reduces your number (optional)
How the formula works
Your retirement number is the portfolio value that, when you withdraw a fixed percentage each year, covers the gap between your spending and any guaranteed income. The withdrawal rate determines how quickly you draw down your savings.
The 4% Rule
Withdraw 4% in year one, adjust for inflation. Survived every 30-year period in U.S. history.
Learn more →Sequence Risk
Bad returns early in retirement can wreck a plan even with good averages. Stress-testing matters.
Learn more →Limitations
A number is a starting point. Taxes, healthcare and market volatility can change the picture.
See limitations →Go beyond the number
See when you'll reach it
Project growth across multiple return scenarios, not just one optimistic line.
Stress-test it with Monte Carlo
1,000 simulated futures show your probability of success, not just a best-case scenario.
Test against real history
Would your plan have survived 2008? The dot-com crash? 95+ years of backtesting data.
Know which moves matter most
See how saving more, adjusting spending or delaying Social Security shifts your timeline.
Retirement number calculator FAQs
What is a retirement number?
Your retirement number is the portfolio value needed to fund your retirement spending without running out of money. It depends on your annual spending, other income sources and withdrawal rate.
What withdrawal rate should I use?
Many people start with 4% as a baseline from historical studies, then adjust based on risk tolerance and market conditions. Lower rates are usually more conservative.
Does Social Security reduce my retirement number?
Yes. If Social Security or pension income covers part of your spending, your portfolio only needs to fund the remaining gap, which lowers your retirement number.
Is this enough to decide when I can retire?
Use this as a starting point. You should also stress-test your plan with Monte Carlo simulations, historical backtesting, taxes and inflation scenarios.