Free Calculator

How much do you need to retire?

Enter your expected annual spending in retirement and see your exact retirement number — the portfolio size that funds your lifestyle forever.

How the 4% Rule Works

Research shows a portfolio can sustain 4% annual withdrawals indefinitely across nearly all historical market conditions. If you need $60,000 per year, you need $1.5 million ($60,000 ÷ 0.04). This calculator finds your number, shows how long it takes to get there, and tells you what monthly contribution gets you there faster.

Your Expected Retirement Spending
How much do you expect to spend per year in retirement? Include housing, food, travel, healthcare, and lifestyle costs. Use today's dollars.
$ /yr
Enter monthly amounts and OraFi calculates your annual total automatically.
Estimated annual spending $0
Your Current Situation
$
$ /mo
Your Retirement Number
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Monthly Income at Retirement
—
What your portfolio generates per month at 4% withdrawal rate
Projected Balance at Retirement
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Progress Toward Your Retirement Number
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Current savings
—
Target
0%
Years to Reach Your Retirement Number
At different monthly contribution levels — assumes 7% annual return
—/mo
—
years
—/mo
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years
—/mo
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years
A Note on Social Security

Track your progress toward this number.

OraFi maps your retirement savings against your target number, benchmarks you against Federal Reserve peer data, and projects where you'll be at retirement — updated every time you open the app.

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Also try: Retirement Savings Benchmark · Coast FIRE Calculator
The 4% rule is based on the Trinity Study and subsequent research on safe withdrawal rates.
Results assume a constant 7% annual return compounded monthly. Past performance does not guarantee future results.
This calculator is for informational purposes only and does not constitute financial advice.
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