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Retirement

How do I calculate my retirement needs?

Quick Answer

A simple formula: take your expected annual retirement spending and multiply by 25. That gives you the nest egg required to support a 4% safe withdrawal rate for 30+ years.

Retirement nest egg required by annual spending level using the 25x rule.
Warren Team
Updated April 26, 2026
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Important Disclaimer:

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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