Three inputs. Real math. No fluff. Find out exactly how much you need to retire on your terms — and how big the gap between where you are and where you need to be actually is.
We assume retirement at age 65. Adjust your plan if you want to retire earlier or later.
Include 401(k), IRA, Roth IRA, brokerage accounts. Exclude home equity and Social Security.
Think in terms of your current lifestyle. Average retired household spends $4,500–$6,500/month. Don't lowball it.
Based on the 4% safe withdrawal rule and a 7% projected annual investment return.
For educational purposes only. Not financial advice. Consult a qualified advisor before making financial decisions.
Fill in your three inputs on the left and click Calculate to see your real retirement target.
Your numbers are real. The question is what you do with them next.
Your retirement target is calculated using the 4% safe withdrawal rate — the industry standard for how much you can withdraw annually without running out of money over a 30-year retirement. Target = (monthly income × 12) ÷ 0.04.
We project your current savings forward using a 7% average annual return — a conservative approximation of long-term diversified equity returns. This is what your money could become if invested consistently.
The gap is the difference between your retirement target and what you have today. Most people either don't know it or underestimate it by six figures. Knowing it is step one. Acting on it is step two.