Retirement Planning Tool

Is Your Savings Enough to Retire?

See what $250K, $500K, $750K, and $1M produces in monthly retirement income — then calculate your own number.

The 4 Milestones

$250,000
The Foundation
Portfolio (4.5%)$938/mo
Social Security$2,071/mo
Total Monthly~$3,009

▼ See the story

$500,000
Getting Comfortable
Portfolio (4.5%)$1,875/mo
Social Security$2,071/mo
Total Monthly~$3,946

▼ See the story

$750,000
The Confidence Zone
Portfolio (4.5%)$2,813/mo
Social Security$2,071/mo
Total Monthly~$4,884

▼ See the story

$1,000,000
The Million Mark
Portfolio (4.5%)$3,750/mo
Social Security$2,071/mo
Total Monthly~$5,821

▼ See the story

Quick Reference Table

SavingsMonthly from Portfolio (4.5%)+ Avg. Social SecurityTotal Monthly Estimate
$250,000$938$2,071~$3,009
$500,000$1,875$2,071~$3,946
$750,000$2,813$2,071~$4,884
$1,000,000$3,750$2,071~$5,821

These are general estimates for educational purposes only. Individual results will vary based on investment returns, inflation, healthcare costs, and personal circumstances. This is not personalized financial advice.

Calculate Your Own Number

Enter your current retirement savings and your expected monthly Social Security benefit to see your estimated monthly retirement income using a 4.5% withdrawal rate.

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$0$500K$1M$1.5M$2M
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The 2026 average is $2,071/month. Check your personal estimate at ssa.gov.

Default is 4.5%. The traditional benchmark is 4%.

The Real Answer

So are any of these numbers enough? Here is the honest answer. It depends on 3 things.

01

Where you live

A dollar goes much further in some states than others. The same $3,900 a month feels like freedom in rural Tennessee and like a squeeze in San Francisco.

02

Whether your debt is paid off

Eliminating your mortgage and any other debt before retirement changes your monthly math dramatically. A paid-off home can make $3,000 a month feel like plenty.

03

When you start

The earlier you build, the more time your money has to grow. And the more options you have when it is time to stop working. Every year you wait costs you more than you think.