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Retirement

How much do I need to retire at 55?

Quick Answer

Plan on roughly 30× your annual retirement spending to retire at 55. For $60,000/year of spending you need about $1.8 million; the longer horizon requires a more conservative withdrawal rate than the 4% rule.

Safe withdrawal rate by retirement length, showing 4% drops with longer horizons.
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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