Retirement Calculator
Project your retirement corpus with the 4% rule, Social Security estimates, and inflation-adjusted spending.
Details
Result
Corpus Needed
$2,882,569
Monthly Savings Needed
$1,557
Spending at Retirement (monthly)
$12,136
Years to Retire
30
How much do I actually need to retire?
The standard 4% rule: divide your annual retirement spending by 0.04 to get your target corpus. Spend $60,000/yr → need $1.5M. Lives 30+ years with 90% probability in historical simulations.
Don\'t forget Social Security
For average earners, Social Security replaces roughly 40% of pre-retirement income at full retirement age (67). This reduces the corpus you need to save privately. A 401(k) + IRA combination should cover the remaining 60-70%.
Healthcare is the hidden cost
Medicare starts at 65 but covers only ~65% of costs. Budget $10-15k/year per retiree for Medigap, Part D, and out-of-pocket. Retire before 65? Plan for $15-25k/year private coverage.
Frequently Asked Questions
Everything you need to know, in one place.
What is the 4% rule?
Based on the Trinity Study: if you withdraw 4% of your retirement balance in year 1 and adjust for inflation each year, your money lasts 30+ years with 90%+ probability. $1M = $40k/year inflation-adjusted.
What about Social Security?
At full retirement age (67 for those born after 1960), Social Security replaces roughly 40% of pre-retirement income for average earners. Claiming early (62) reduces benefits ~30%; waiting to 70 increases ~24%.
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