Retirement Number Calculator (4% Rule)
The classic retirement question is 'how much do I need?' The 4% rule turns it into a simple number: about 25 times your annual spending. This calculator shows yours and how far your savings are from it.
How to use this calculator
- Enter annual spending in retirement.
- Enter current retirement savings.
- Enter withdrawal rate.
- Your results appear instantly below and update as you change the numbers.
How this calculator works
The 4% rule comes from the Trinity Study: a portfolio of 50% stocks and 50% bonds, withdrawing 4% of the starting balance in year one and adjusting for inflation, survived 30 years in nearly every historical period. Your retirement number is simply annual spending divided by the withdrawal rate — $60,000 ÷ 4% = $1,500,000. The calculator also shows your savings gap and what share of the target you have.
Frequently asked questions
Is the 4% rule still safe in 2026?
It remains the standard planning heuristic, though lower expected bond returns and higher starting valuations make some planners suggest 3–3.5% for long horizons or early retirement. It is a starting point — adjust for your time horizon, flexibility, and guaranteed income like Social Security.
Does Social Security reduce my number?
Yes — the 4% rule applies to what your portfolio must cover. If Social Security or a pension covers $20,000 of your $60,000 spending, your portfolio only needs to fund $40,000, so the target drops from $1.5M to $1M.
Why do people use 25× expenses?
Because 1 ÷ 0.04 = 25. A 4% withdrawal from a portfolio 25 times your spending means your savings are expected to last at least 30 years in most historical scenarios — the simplest way to size a retirement nest egg.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect 2026 rules and may change. Always confirm current limits and consult a qualified professional before making decisions. Official figures: IRS.gov · 2026 limits per IRS tax inflation adjustments.