How much do I need to retire on $75k a year?
To retire on $75,000 a year using the 4% rule, you need about $1,875,000 invested. That's 25× your annual spending.
The 4% rule says a portfolio can sustainably support annual withdrawals of about 4% of its value, so the target is spending ÷ 0.04 = $1,875,000. It's a planning baseline, not a guarantee. Sequence-of-returns risk matters too, which Rightmont stress-tests with Monte Carlo.
Your real number depends on Social Security, pensions, taxes, and how spending shifts in retirement. Rightmont folds all of that into a full year-by-year projection, not a single rule of thumb.
Assumptions
- Withdrawal rate
- 4%
Frequently asked
How much do I need to retire on $75k a year?
About $1,875,000 invested, using the 4% rule (25× spending).
Is the 4% rule guaranteed?
No, it's a widely-cited baseline. Actual safety depends on returns, inflation, and withdrawal timing, and Rightmont tests it with Monte Carlo simulation.
Every number here comes from the same engine that powers Rightmont. Model your own plan free in 60 seconds.
Model My Decision