How Much Money Do I Need to Retire Calculator
Estimate your retirement corpus from spending, current assets, expected returns, and withdrawal-rate assumptions.
About this tool
This retirement corpus calculator answers the plain-English question behind FIRE planning: how much money do you need before you can stop relying on salary income?
How to use it
Quick steps to get the most out of this utility.
- 1
Estimate retirement spending
Include housing, healthcare, taxes, travel, and recurring family costs.
- 2
Enter current investments
Use assets available for retirement income.
- 3
Set target age
Earlier retirement usually requires a lower withdrawal rate and larger buffer.
- 4
Compare scenarios
Run conservative, balanced, and aggressive assumptions side by side.
Frequently asked questions
How much money do I need to retire?+
A common estimate is 25-33 times annual expenses, depending on withdrawal rate, retirement length, taxes, healthcare, and investment risk.
Should I include home equity?+
Usually no, unless you plan to sell, downsize, or rent it out. Your primary home provides shelter, not portfolio income.
Does retiring early change the number?+
Yes. Longer retirements need larger buffers because sequence risk, inflation, and healthcare costs have more time to compound.
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More views of the same calculator
Open main calculator →Same underlying engine, written for different use cases. Pick the angle that matches your situation.