How much do I need to retire?
Answer stability
Watching
This topic changes regularly. We're actively monitoring it so you'll know when the answer moves.
Follow this question →The bottom line
Reviewed against multiple sourcesIt depends on your spending, longevity, and other income — rules of thumb don't fit all. Verify with a personalized plan.
Why we believe this
AI models agree retirement needs depend on spending, lifestyle, longevity, other income (like Social Security), and withdrawal strategy, and cite rules of thumb that don't fit everyone. The real number requires personalized planning.
Supporting evidence
A fiduciary financial planner
For a personalized number.
SSA benefit estimates
For your expected Social Security.
What could change this answer
- Your expected spending in retirement.
- Other income like Social Security or pensions.
- Longevity and healthcare costs.
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FAQs
Is the 25x rule accurate?
It's a rough starting point, not a personalized answer. Verify with real spending and income projections.
Does AI know my number?
No — it can't see your finances or goals. Use it for context, then plan with a professional.