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How much do you need to retire? By yearly spending

The nest egg that makes a yearly spending level, raised with inflation, last to 95 in 9 of 10 of 1,000 simulated markets, by the age you retire. Each level and age has its own page with the odds and Social Security.

Updated · By Berkay Kolay

Nest egg by yearly spending and retirement age

Trinity-style returns, 9 in 10 markets, to 95
Spending a yearAt 50At 55At 60At 62At 65At 67
$30,000$1,270,000$1,180,000$1,070,000$1,010,000$930,000$880,000
$40,000$1,690,000$1,570,000$1,420,000$1,350,000$1,240,000$1,170,000
$50,000$2,110,000$1,960,000$1,770,000$1,680,000$1,550,000$1,470,000
$60,000$2,530,000$2,350,000$2,130,000$2,020,000$1,860,000$1,760,000
$70,000$2,950,000$2,740,000$2,480,000$2,350,000$2,170,000$2,050,000
$75,000$3,160,000$2,930,000$2,660,000$2,520,000$2,320,000$2,200,000
$80,000$3,370,000$3,130,000$2,830,000$2,690,000$2,470,000$2,340,000
$90,000$3,790,000$3,520,000$3,190,000$3,030,000$2,780,000$2,640,000
$100,000$4,210,000$3,910,000$3,540,000$3,360,000$3,090,000$2,930,000
$120,000$5,050,000$4,690,000$4,250,000$4,030,000$3,710,000$3,510,000
$150,000$6,310,000$5,860,000$5,310,000$5,040,000$4,630,000$4,390,000
$200,000$8,410,000$7,820,000$7,070,000$6,720,000$6,180,000$5,850,000
$250,000$10,510,000$9,770,000$8,840,000$8,390,000$7,720,000$7,310,000
$300,000$12,610,000$11,720,000$10,610,000$10,070,000$9,260,000$8,780,000

How it is worked out

The nest egg is the smallest balance, to the next $10,000, whose first-year withdrawal of the spending, raised with inflation every year, still leaves money at 95 in 9 of 10 of 1,000 simulated sequences of yearly returns. Trinity-style returns average 7% with 12% volatility and 3% inflation; cautious ones 5%, 15% and 2%. It is the same table the can I retire pages use, read the other way. With Social Security, the portfolio is sized for the spending the benefit does not cover, and the benefits it replaces before 67 are added as cash with no growth. Taxes come out of the spending. More on the methodology page.

Frequently asked questions

How much do I need to retire on $50,000 a year?
About $1.55 million retiring at 65 for the spending to last to 95 in 9 of 10 simulated markets on Trinity-style returns, and $1.77 million at 60. The 4% rule says $1.25 million, 25 times the spending.
How much do I need to retire on $100,000 a year?
About $3.09 million retiring at 65 and $3.91 million at 55, on the same 9-in-10 test. Social Security lowers it: only the spending the benefit does not cover has to come from savings.
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