How much do I need to retire comfortably?

The 4% safe withdrawal rule suggests you need 25x your annual expenses. If you spend $60,000/year, you need $1.5 million invested at retirement.

How much should I contribute to my 401k?

At minimum, contribute enough to get your full employer match. Ideally max out the 2026 limit of $24,500. If over 50, add the $8,000 catch-up contribution.

Retirement Planner

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Current age

Target retirement age

Current savings ($)

Monthly contribution ($)

Expected return (%/yr)

Desired annual income ($)

Projected nest egg

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at retirement

Monthly drawdown

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Years savings lasts

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Total contributed

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Investment growth

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Status

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Frequently asked questions

How much do I need to retire?

The 4% rule says you need 25x your annual expenses. Spending $60,000/year means you need $1.5M. Use our calculator for a personalised projection.

How much should I have saved at 40?

Fidelity recommends 3x your salary by age 40. On $80,000/year, aim for $240,000.

What is the 4% rule?

Withdraw 4% of your portfolio annually without running out of money over a 30-year retirement. It is a guideline, not a guarantee.