Retirement Number Finder
The real number you need to retire — adjusted for inflation, taxes, and Social Security. Most people aim too low; a few aim far too high. Here's the math.
Your Numbers
How We Calculate Your Number
This calculator uses the 4% safe withdrawal rate, derived from the Trinity Study and updated research through 2024. You multiply your annual spending need by 25 to get your target portfolio. A $60,000/year lifestyle needs roughly $1.5 million saved.
We then adjust for: (1) inflation at 3% — what costs $60K today costs $145K in 30 years; (2) Social Security, which reduces how much your portfolio needs to generate; (3) investment returns at 7% real, which is the long-term stock/bond market average.
Common Mistakes in Retirement Math
- Using today's dollars as your target. You need to hit a much bigger nominal number because of inflation.
- Assuming stable 10% returns. Real returns average 7% after inflation. Plan for that, not the nominal number.
- Ignoring Social Security. Even with possible benefit cuts, it will cover 20-40% of most retirement spending.
- Forgetting healthcare. If retiring before 65, factor in $1,500-$2,500/month for insurance pre-Medicare.
The Retirement Audit Template
Track every account, fee, and contribution in one place. Updates automatically.
Frequently Asked Questions
Is the 4% rule still accurate in 2026?
Research updated through 2024 suggests 4% is still a reasonable starting point, though some planners now recommend 3.5% for early retirees or those expecting below-average returns. For standard retirement at 65 with a 30-year horizon, 4% remains well-supported.
How much Social Security will I actually get?
Check your statement at ssa.gov for your exact estimate. Average benefit in 2026 is about $1,900/month for retired workers. Higher earners may receive $3,500-$4,500. The program faces funding pressure but benefit cuts (if any) are unlikely to exceed 20-25% and would likely phase in gradually.
Should I include my house in my retirement number?
Generally no. Home equity isn't income-producing unless you downsize or reverse-mortgage. A paid-off house reduces your spending need (no rent/mortgage), which this calculator accounts for when you enter your actual retirement spending.
What if I retire early?
Retiring before 59½ creates two problems: accessing retirement accounts without penalty, and paying for healthcare before Medicare. Solutions exist (72(t) distributions, Roth conversion ladder, ACA subsidies) but require planning 5+ years ahead. Early retirees typically aim for 28-33x annual spending rather than 25x.