[{"data":1,"prerenderedAt":126},["ShallowReactive",2],{"article:\u002Farticles\u002Fhow-much-do-you-need-to-retire":3},{"article":4,"related":111},{"id":5,"title":6,"author":7,"body":8,"category":96,"description":97,"extension":98,"kind":99,"meta":100,"navigation":101,"path":102,"publishedAt":103,"readingTime":104,"reviewer":105,"seo":106,"stem":107,"trending":108,"updatedAt":109,"__hash__":110},"articles\u002Farticles\u002Fhow-much-do-you-need-to-retire.md","How Much Do You Need to Retire?","Lynktor Editorial Team",{"type":9,"value":10,"toc":88},"minimark",[11,16,20,24,36,40,47,53,57,85],[12,13,15],"h2",{"id":14},"start-with-spending-not-savings","Start with spending, not savings",[17,18,19],"p",{},"Your retirement number depends on what you will spend each year, minus income you will receive anyway, such as Social Security or a pension. That gap is what your savings must cover.",[12,21,23],{"id":22},"the-25x-shortcut","The 25x shortcut",[17,25,26,27,31,32,35],{},"A popular rule of thumb is to save ",[28,29,30],"strong",{},"25 times"," the annual gap. It comes from the ",[28,33,34],{},"4% rule",": research on historical U.S. returns found that withdrawing 4% of a balanced portfolio in the first year, then adjusting for inflation, lasted at least 30 years in most past periods.",[12,37,39],{"id":38},"a-worked-example","A worked example",[17,41,42,43,46],{},"You expect to spend $60,000 a year and receive $24,000 from Social Security. The gap is $36,000. At 25x, the target is ",[28,44,45],{},"$900,000",".",[48,49,50],"pull-quote",{},[17,51,52],{},"A rule of thumb is a starting point, not a promise.",[12,54,56],{"id":55},"assumptions-to-question","Assumptions to question",[58,59,60,67,73,79],"ul",{},[61,62,63,66],"li",{},[28,64,65],{},"Retirement length",": retiring early means more years to fund; a lower withdrawal rate may be safer.",[61,68,69,72],{},[28,70,71],{},"Returns",": future markets may be weaker than the past.",[61,74,75,78],{},[28,76,77],{},"Flexibility",": cutting spending in bad years makes a plan much more resilient.",[61,80,81,84],{},[28,82,83],{},"Health care and taxes",": both can be larger than expected.",[17,86,87],{},"Use our retirement calculator to test your own numbers, and revisit them every year or two.",{"title":89,"searchDepth":90,"depth":90,"links":91},"",2,[92,93,94,95],{"id":14,"depth":90,"text":15},{"id":22,"depth":90,"text":23},{"id":38,"depth":90,"text":39},{"id":55,"depth":90,"text":56},"retirement","The 4% rule, the 25x shortcut, and the assumptions behind them, with a worked example.","md","article",{},true,"\u002Farticles\u002Fhow-much-do-you-need-to-retire","2026-03-30",1,"Lynktor Research Desk",{"title":6,"description":97},"articles\u002Fhow-much-do-you-need-to-retire",false,"2026-08-28","7x5szvfJxZPrIgmxXkRMUehn48n0a5k7CRIJhKyt1bE",[112,116,121],{"title":113,"description":114,"path":115,"category":96,"readingTime":104},"Roth vs. Traditional IRA: Which Fits You?","Pay tax now or later? How the two IRA types differ, and the question that usually decides it.","\u002Farticles\u002Froth-vs-traditional-ira",{"title":117,"description":118,"path":119,"category":120,"readingTime":104},"What the Fed Does With Interest Rates","How the Federal Reserve's policy rate reaches your mortgage, your savings account, and the stock market.","\u002Farticles\u002Fwhat-the-fed-does-with-interest-rates","economy",{"title":122,"description":123,"path":124,"category":125,"readingTime":104},"Why Starting Early Beats Investing More","Two savers put in the same $96,000. One ends up with more than twice as much. The difference is twenty years of compounding.","\u002Farticles\u002Fwhy-starting-early-beats-investing-more","investing",1793226379309]