Estimate how much you need saved for retirement, based on your desired annual income and the widely used 4 percent withdrawal guideline.
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Your Retirement Outlook
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Savings Needed (4% Rule)—
Surplus or Shortfall—
Formula
Savings Needed = Desired Annual Income divided by 4%, based on the common guideline that a 4% annual withdrawal rate has historically been sustainable long term.
Example
Wanting $60,000 per year in retirement implies a target of about $1,500,000 saved, using the 4 percent guideline.
Not tax or financial advice. This calculator provides general estimates based on published 2026 figures. Always confirm important figures with the IRS, SSA, your state tax agency, a licensed lender, or a qualified professional.
Frequently Asked Questions
What is the 4 percent rule?
A guideline suggesting that withdrawing 4 percent of a portfolio in the first year of retirement, adjusted for inflation after that, has historically had a low risk of running out of money over a 30 year retirement.
Is the 4 percent rule guaranteed to work?
No, it is based on historical market data and may not hold in every future scenario. Many planners now suggest a somewhat lower withdrawal rate for extra safety.