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How Much Do I Need to Retire? Pick Your Age

Each age uses a horizon-adjusted safe withdrawal rate to size the nest egg — plus the access, healthcare, and Social Security rules specific to that age.

The amount you need to retire depends heavily on the age you stop working — a longer retirement needs a lower withdrawal rate and a bigger portfolio. Pick your target age for the worked number across spending levels, plus the 401(k) access, healthcare, and Social Security rules that apply at that age.

Retire at 50Nest-egg target + access rules Retire at 55Nest-egg target + access rules Retire at 60Nest-egg target + access rules Retire at 62Nest-egg target + access rules Retire at 65Nest-egg target + access rules Retire at 67Nest-egg target + access rules Retire at 70Nest-egg target + access rules

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