How Much Do You Need to Retire?

The widely used "4% rule" suggests you can withdraw 4% of your portfolio annually without depleting it over a 30-year retirement. Under this rule, retiring on $50,000/year requires a $1.25 million nest egg. A more personalized estimate factors in Social Security income, expected healthcare costs, and your target retirement age.

401(k) vs. IRA: Which Is Right for You?

A 401(k) offers higher contribution limits ($23,000 in 2025, $30,500 if 50+) and potential employer matching — always contribute enough to capture the full employer match first. Traditional IRAs and Roth IRAs have a $7,000 combined limit ($8,000 if 50+). Roth accounts are best when you expect to be in a higher tax bracket in retirement.

The Power of Compound Growth

Starting at 25 and investing $500/month at 7% average annual returns yields ~$1.3 million by age 65. Waiting until 35 to start the same contributions yields just ~$610,000 — showing that time is your most valuable retirement asset. Even small increases in monthly contributions early in your career compound dramatically.

Retirement Planning Guide: 401(k), IRA, and Savings Strategies

How Much Do You Need to Retire?

401(k) vs. IRA: Which Is Right for You?

The Power of Compound Growth

Required Minimum Distributions (RMDs)

Related Tools & Calculators

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