FI number calculator
How much do you need to retire? The 4% rule, adjusted for how early you retire, and the age your invested balance and monthly contributions reach it.
How much do you need?
Four numbers. Nothing is saved. Assumes a 6% annual return, compounded monthly, and a withdrawal rate that drops the earlier you retire.
$/mo
$
$/mo
Your FI number at age 56
$1,296,000
27× a year's spending, a 3.7% withdrawal rate
You reach it at
age 56
22 years from now
A flat 4% rule would say $1,200,000. Retiring at 56 means the money has to last longer than the 30 years that rule was built for, so Reign uses 27× instead — $96,000 more.
See this with your real numbersReign adds your debts, income and Social Security — the things this calculator leaves out.
Where the rule comes from and why retiring early changes it: How much do I need to retire?