How Much Do I Need to Retire at 60?

Calculating your retirement number is the first step to financial freedom. Many experts suggest the 4% rule, but does it still hold up in 2025?

The 4% Rule Explained

Traditionally, if you withdraw 4% of your portfolio in the first year of retirement and adjust for inflation thereafter, your money should last 30 years.

Adjusting for 60

Retiring at 60 means you need your money to last longer than if you retired at 65. You might need to withdraw only 3.5% or save a larger nest egg.