Accessibility Menu

How Much Do I Need to Retire Comfortably?

The end of work doesn't mean the bills stop. How much should you save for a great retirement?

By Matthew Frankel, CFPUpdated Dec 11, 2025 at 2:06 PM

Key Points

  • Aim to replace 80% of your pre-retirement income to maintain lifestyle post-retirement.
  • Factor in income from Social Security and pensions, not just savings, for retirement funds.
  • Use the 4% rule to calculate the size of the retirement nest egg needed for sustainable income.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.