Tools  /  What's My Number

What's my retirement
number?

Your Inputs

Tell us about your situation and we'll calculate your retirement target — and exactly what it takes to get there.

Current Annual Income $100,000
Income Replacement % 80%
Current Age 35
Target Retirement Age 65
Current Savings $25,000
Social Security (Annual) $20,000
Withdrawal Rule

Your Retirement Number

—

total portfolio needed at retirement

Based on the 25x rule — your portfolio sustains a 4% annual withdrawal indefinitely

Annual Need

—

from portfolio each year

Years to Save

—

until target retirement age

Already Saved

—

gap remaining

Monthly Savings Required by Rate of Return

How much you need to save each month to hit your number, depending on your investment returns

Return Progress to Goal Monthly Annual

Portfolio Milestones — S&P 500 Historical Rate (10.5%)

Age Years from Now Portfolio Value % of Goal

Growth to Your Number — Comparing Return Scenarios

Your number is a starting point. A real plan accounts for taxes, Social Security timing, inflation, and the sequence of returns — all the things that can move the finish line.

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Educational Use Only

This calculator is provided for educational and informational purposes only and does not constitute investment, tax, legal, or financial advice. The 25x rule and S&P 500 historical returns are commonly cited benchmarks and are not guarantees of future performance. Actual results will vary based on market conditions, taxes, fees, inflation, and individual circumstances. The S&P 500 historical average return of approximately 10.5% is a nominal figure — real returns after inflation are lower. Please consult a qualified financial advisor before making any financial decisions. Marbot Wealth, LLC assumes no liability for decisions made based on the output of this tool.