Retirement Calculator
Will you outlive your money? Calculate your retirement savings trajectory and find out if you're on track for financial freedom.
Timeline & Savings
Retirement Goal
Wealth Trajectory
How this Retirement Calculator works
This calculator uses the '4% Rule' and your estimated expenses to determine your 'Financial Independence Number'. It projects your investment growth over time and compares it against your target needed to sustain your spending indefinitely without running out of money.
Why this matters for your wealth
Retirement isn't an age; it's a financial status. Without a plan, you risk outliving your savings. By calculating your gap today, you can make small adjustments to your savings rate or spending that will have a massive impact on your future freedom and security.
Frequently Asked Questions
How much money do I need to retire?
A common rule of thumb is 25 times your annual expenses. For example, if you spend $40,000 per year, you would aim for a portfolio of $1,000,000.
When can I retire?
You can retire as soon as your assets generate enough passive income to cover your expenses. For many aggressive savers (FIRE movement), this can happen in their 30s or 40s.