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 (traditional target). 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 estimates.
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. Past performance does not guarantee future results.
Fill in your three inputs on the left and click Calculate to see your real retirement target.
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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. Your 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, net of inflation. This is what your money could become if invested wisely.
The gap is the difference between your retirement target and what you have today — before growth. It's the number you need to confront honestly. Most people either don't know it or underestimate it by six figures.