See the nest egg you need to retire on $50,000 a year under the 4% rule — then adjust the withdrawal rate, timeline, and return below to match your own plan.
Quick Answer
To retire on $50,000 a year using the 4% rule, you'd need about $1,250,000 saved — also known as the "25x rule."
Your Retirement Goal
Your Retirement Number
Required Nest Egg
$1,250,000
4% withdrawal rate · $50,000/yr
Estimates assume a constant annual return and start from $0 saved today. Does not account for inflation, taxes, or Social Security income. Not financial advice.
A lower withdrawal rate is more conservative (less risk of running out of money) but requires a larger nest egg. A higher rate needs less saved but carries more risk.
| Withdrawal Rate | Required Nest Egg |
|---|---|
| 3% | $1,666,667 |
| 3.5% | $1,428,571 |
| 4% | $1,250,000 |
| 4.5% | $1,111,111 |
| 5% | $1,000,000 |
Based on the $1,250,000 nest egg required at a 4% withdrawal rate, assuming a 7% annual investment return starting from $0 saved today.
| Years to Retirement | Required Monthly Savings |
|---|---|
| 10 years | $7,222/mo |
| 20 years | $2,400/mo |
| 30 years | $1,025/mo |