Find your retirement number
Method: FI number = (annual spending - guaranteed income) divided by the withdrawal rate, with the portfolio-funded spending gap floored at zero.
Estimated result
Fill in the inputs above to see an estimate.
| Withdrawal rate | Portfolio target |
|---|---|
| 3% | - |
| 3.5% | - |
| 4% | - |
| 5% | - |
Turn the target into a plan
This target assumes one flat withdrawal rate forever and ignores tax. Planomy projects your actual savings, Social Security and taxes year by year, so you can see whether the balance really gets there. Free, private, and running in your browser.
Build your full plan
Planomy turns a single number into a whole plan: a full retirement projection with taxes and Social Security, side-by-side scenarios, and plan-vs-actual tracking as real life happens. Free, private, and running in your browser.