Tool 05 · Retirement number

How big a pot do you need?

Start from the life you want, not a guess. Pick your yearly spending and target age, and this works backwards to the number you need — and the monthly saving that gets you there.

Your number

Save $0/month to reach it by 60.

Spending in retirement / year$40,000

Withdrawal rate4%

Number = yearly spending ÷ withdrawal rate.

Your age today30

Target retirement age60

Saved so far$30,000

Annual return7%

Number needed

Save per month

You'll contribute

Years to save

Pro features. Model raises and fees, read insights, compare target ages, and export the plan.

Pro

Sharpen the plan

Refine the model

Raise savings each year0%

Starting lower and stepping up as you earn more lowers the monthly you need now.

Investment fees0%

Fees lower your net return, so you must save more to hit the number.

Year by year

Compare target ages

Retire at	Save per month	You'll contribute