Updated 2026-03-30
How Much Should You Save for Retirement?
Retirement income targets, the 4% rule, and a savings gap calculator
The 4% rule: withdraw 4% of your portfolio in year one, then adjust for inflation. To generate $80,000/year, you need $80,000 / 0.04 = $2,000,000 saved. Most planners recommend replacing 70-85% of pre-retirement income.
Savings Targets by Income
- $40K/yr need: $1,000,000 target
- $60K/yr need: $1,500,000 target
- $80K/yr need: $2,000,000 target
- $100K/yr need: $2,500,000 target
Pavlo Pyskunov
Managing Director & Investment Fund Director
Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.
Last updated: 2026-03-30