Calculator
Your Number: how much do you need to never work again?
…and the year you get there. Where the gold line crosses the navy line, work becomes optional.
Your Number
$—
in today's dollars · —× your annual spending
How much you need, and what you'll have
Projected savings
Number needed to retire
This is the estimate. Your real number is a meeting.
Taxes, Social Security, market sequence, health care — the real calculation has moving parts a slider can't hold. We run it properly, for free.
Calculate My Real Number
HOW IT WORKS & IMPORTANT INFORMATION: Your Number equals the annual income you want divided by your safe withdrawal rate (at 4.7%, about 21× yearly spending). The number needed grows with inflation each year — waiting raises the target — while projected savings grows your current balance at your expected return plus annual contributions. Where the lines cross is the year work becomes optional. This calculator is a simplified educational tool, not financial advice or a projection: it ignores taxes, Social Security, fees, and market volatility, and the safe withdrawal rate is a historical rule of thumb, not a guarantee (researchers' current estimates range from roughly 3.7% to 4.7%). Consult a qualified fiduciary advisor before making decisions — that conversation is exactly what we offer, at no cost. Mountain View Wealth Management, LLC · 2611 S Clark St., Suite 600, Arlington, VA 22202 · (571) 368-6178. © 2026.
