Built from what you actually spend, not an income multiple. Adjust any line below — the number updates as you go.
Lower rates mean a larger number but more safety margin. See "The 4% Rule" for the case behind these figures.
This is a starting estimate, not a plan. Healthcare, taxes, and sequence-of-returns risk can all shift the real number — see The Numbers section for the full mechanics.
A model, not advice — see the full disclaimer below.
This tool is a model, not a financial plan. Every result depends on the assumptions you set — return expectations, volatility, historical data, guardrail parameters, income timing — and real outcomes will differ. Great effort has gone into making the underlying data and arithmetic accurate, but accuracy of inputs doesn't guarantee accuracy of the future: markets, tax law, and personal circumstances can all move in ways no model captures. Nothing here is financial, tax, or legal advice, and it isn't a substitute for one. Use it as a guide to build intuition and ask better questions — not as the basis for a retirement decision on its own. Before making significant financial decisions, consult a qualified financial planner, tax advisor, or other licensed professional who can account for your complete situation.