How much do I need to retire at 60?

A 35-year retirement starting at 60 is not a 30-year 4% problem. This page sizes the number at 4.0% and checks a worked example from age 50.

The answer on these inputs

$90,000 a year at 4.0% needs $2,250,000 at age 60. Starting from $1,100,000 and adding $30,000 a year at 5.0% real, the portfolio at 60 is $2,169,121 — short by $80,879. Across 1,000 seeded paths, that projected nest egg funds the spend for 35 years in 38% of worlds.

Change the inputs

Current age

Retire age

Already invested ($)

Annual saving ($)

Annual spending (today's $)

Withdrawal rate (%)

Real return (%)

Number at retirement$2,250,000

Projected nest egg$2,169,121

Years of saving to the number10.6 years

1,000-path success38%

Why this age is different

The 4% rule was a 30-year result. Retiring at 60 with a plan to 95 is a 35-year problem. That is why the default rate here is 4.0%, not 4% borrowed from a shorter window. Sibling pages for the other ages:

Frequently asked questions

How much do I need to retire at 60?

Divide the annual spend you want by a withdrawal rate that fits a 40-year horizon — often lower than 4% — then see whether today’s savings plus contributions reach that number by age 60.

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