How much do you need to retire?

A dialed-in answer based on the Trinity Study, tax geography, and your current portfolio. Move the dials. Watch the gap close.

Part I

After retirement — the destination

Where you want to land. Lifestyle, geography, taxes, and how you'll draw it down.

01 · Country

02 · State

03 · Target Net Income / Year (After Tax)$300k

$100k$600k

04 · Stocks / Bonds85 / 15

All bondsAll stocks

05 · Withdrawal Rate4.0%

2.5% Conservative6.0% Aggressive

4% is the Trinity Study standard — 30-year retirement, ~98% historical success rate. Lean toward 3.5% for early retirement (40+ year horizon) or non-US markets where inflation runs higher.

Part II

Before retirement — the journey

Where you stand today and how fast you can close the gap. The accumulation phase math.

06 · Current Investable Assets$6.18M

$0$25M

What counts: brokerage accounts, 401(k), IRA, Roth, taxable stocks, bonds, mutual funds, ETFs, cash, CDs, treasuries, crypto.
What doesn't:primary home, cars, jewelry, illiquid private investments, or anything you wouldn't sell to fund retirement.

07 · Annual Savings Rate$400k

$0$1M

How much you add to your investable assets each year — salary saved, RSUs that vest and stay invested, bonus saved, employer 401(k) match. Net of spending, taxes, and any cash burned.

08 · Expected Annual Return7.0%

3% Conservative12% Aggressive

7% is the historical real (inflation-adjusted) return for a 60/40 portfolio. Use 5–6% if you want a conservative projection, 8–10%if you're stock-heavy and optimistic.