Calculator
Your Enough Number
The amount that lets what you've invested cover what you actually spend — so you don't have to work.
Find Your Enough Number
Enter what you spend and how much you'd withdraw each year. The number updates as you type.
4% · 25×
How much you'd withdraw per year.
3% · 33×4% · 25×5% · 20×
Your enough number
$1,000,000
At $40,000/year, that's 25× your yearly spending — enough that a 4% withdrawal covers what you spend, so you don't have to work.
Every $100 you permanently cut from your yearly spending pulls the finish line ≈ $2,500 closer.
How Long Until You Get There?
Optional — see when your investing reaches your enough number.
5%
After inflation. ~5% is a common long-run assumption.
3%5%7%
At $1,000/month and ~5% real, you reach your enough number in ≈ 29 years.
Educational only, not financial advice. The "safe" withdrawal rate is debated — treat this as a target shape, not a guarantee.