Retirement Calculator — USA
Find the monthly investment needed to retire comfortably in USA, adjusted for inflation. Free, no signup.
How much do you need to retire in USA?
401(k), Roth/Traditional IRA and index funds. The 4% safe-withdrawal rule implies ~25× annual expenses; employer 401(k) matching is effectively free money.
The 25× rule
- Target corpus ≈ 25× your annual expenses at retirement (a 4% safe withdrawal rate).
- Factor in inflation — your future expenses are higher than today's.
- Starting earlier dramatically lowers the monthly amount needed, thanks to compounding. The calculator estimates the monthly investment to reach your target.
Frequently Asked Questions
How much do I need to retire in USA?
A common rule is ~25× your annual expenses at retirement (4% withdrawal). Adjust for inflation and your desired lifestyle. The calculator estimates the monthly investment needed.
What is the 4% rule?
Withdrawing about 4% of your retirement corpus in the first year (adjusted for inflation thereafter) has historically been sustainable for ~30 years. It implies a 25× corpus.
How does inflation affect retirement?
Inflation raises your future expenses, so the corpus must be larger. Plan in real (inflation-adjusted) terms — the calculator includes an inflation input.
When should I start?
As early as possible — compounding means starting 10 years earlier can roughly halve the monthly amount needed for the same corpus.