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Retirement Calculator

The 80% rule is lazy. Actually calculate how much you need based on your planned spending, healthcare costs, and lifespan.

💰 Retirement Savings — —/month withdrawal
Total Invested—
Years of Income—
Invested —
Growth —
These calculators provide estimates for educational purposes only. Results are not guaranteed and should not be treated as financial advice. Always consult a qualified professional before making major financial decisions.

Why this matters

A couple retiring at 65 can expect $300,000+ in healthcare costs. If you want $50,000/year in today's dollars, you need roughly $1.6 million saved — not $1 million. The 80% rule ignores healthcare inflation, longevity risk, and lifestyle costs.

Frequently Asked Questions

How much do I actually need to retire?

Multiply your expected annual spending by 25. If you think you'll spend $55,000/year, you need $1.375 million. Add 20% buffer for healthcare shocks and longevity.

Is the 4% safe withdrawal rate still valid?

Most studies say yes for a 30-year retirement. For 40+ years (early retirement), drop to 3.5% or 3%. Use our retirement calculator to stress-test different rates.

Should I max my 401k before paying off debt?

Only if your employer match exceeds your debt interest rate. A 100% match on 401k contributions is a 100% instant return — that beats any credit card APR. Otherwise, pay off 18%+ APR debt first.

What if Social Security goes away?

Even if Social Security vanished entirely, a $1.5M portfolio at 4% withdrawal generates $60K/year. Plan as if Social Security doesn't exist; treat it as a bonus if it's still around.