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Getting started is easy, fast and free.","Access high-quality leads in minutes with UnbiasedPro","Get perfect clients now.","If you're looking for the perfect clients we'll deliver them straight to your inbox and give you the tools to manage them throughout the sales process.",[705],{"_uid":706,"title":707,"CTAText":708,"subtitle":709,"component":710,"errorTitle":711,"description":712,"successTitle":713,"errorSubtitle":714,"successSubtitle":715,"consentCheckboxLabelText":716,"errorMesageFirstNameError":717,"consentCheckboxLabelLinkURL":656,"consentCheckboxLabelLinkText":718,"errorMessageRequiredFieldEmail":719,"errorMessageIncorrectEmailFormat":720,"errorMessageRequiredFieldConsent":721,"errorMessageRequiredFieldInterest":722,"errorMessageRequiredFieldFirstName":723},"8ca4fd8f-da99-489f-aa1b-fcfabdd8b7e3","Get the latest news and tips","Sign up for email updates","Sign up for news that may impact your finances","sidebar-email-signup","Sorry, there was a technical problem","Receive the latest news, tips and guides to help you manage your finances","Thanks for signing up!","Please try again later, or email contact@unbiased.com","You should receive an email confirmation shortly.","I consent to Unbiased storing my data in accordance with their","Too many characters","privacy policy","Your email address is required","Your email address contains errors","Your consent is required","Your interest is required","Your first name is required","config",-60,[],0,"c7c18fda-2d94-4a2f-9d60-e1fee25d980a","2022-11-21T10:48:58.546Z","default",[],{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":734},256,"\u003Cpath fill=\"currentColor\" d=\"m216.49 104.49l-80 80a12 12 0 0 1-17 0l-80-80a12 12 0 0 1 17-17L128 159l71.51-71.52a12 12 0 0 1 17 17Z\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":736},"\u003Cpath fill=\"currentColor\" d=\"m229.66 218.34l-50.07-50.06a88.11 88.11 0 1 0-11.31 11.31l50.06 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12\"/>",{"name":750,"created_at":751,"published_at":752,"updated_at":753,"id":754,"uuid":755,"content":756,"slug":1247,"full_slug":1248,"sort_by_date":34,"position":1249,"tag_list":1250,"is_startpage":543,"parent_id":1251,"meta_data":34,"group_id":1252,"first_published_at":1253,"release_id":34,"lang":730,"path":34,"alternates":1254,"default_full_slug":34,"translated_slugs":34},"How much money do I need to retire? ","2023-10-03T14:27:51.881Z","2025-03-21T11:36:09.147Z","2025-03-21T11:36:09.181Z",381807585,"a842d7fe-26e3-4de9-92cf-1a7e8acd8340",{"_uid":757,"body":758,"hero":1173,"author":1196,"sidebar":1218,"hide_cta":543,"metatags":1236,"component":1241,"bottom_banner":1242,"fullWidthMode":543,"subcategories":1243,"hideEmbeddedMF":543,"hide_pro_banner":543,"intro_paragraph":1245,"intro_subheading":12,"table_of_contents":558,"outgrow_calculator":1246,"hide_email_signup_widget":543,"show_compound_calculator":543,"show_roth_ira_calculator":543,"show_footer_sticky_banner":543,"show_retirement_calculator":543,"show_capital_gains_calculator":543},"fc9fc088-12d2-40fb-bc30-f3859e0894bd",[759,777,781,822,825,1044,1047,1078,1081,1118,1121,1165],{"_uid":760,"data":761,"component":776},"fed60dc5-1b0e-4fd1-a5cc-f3ea2d275773",{"type":15,"content":762},[763],{"type":18,"content":764},[765,767,769,770,772,773,774],{"text":766,"type":22},"Regardless of age, savvy financial planners will be trying to establish just how much to save for retirement.",{"type":768},"hard_break",{"type":768},{"text":771,"type":22},"But what works for you will be dependent on a combination of factors, and it’s important to establish these as part of your planning.",{"type":768},{"type":768},{"text":775,"type":22},"Whatever retirement you’ve got in mind, make sure you’ll be able to afford it.","article-rich-text",{"_uid":778,"text":779,"component":780},"386b9be9-1dd8-4b92-b67b-abd8085832be","What is the retirement age in the US?","article-subheading",{"_uid":782,"text":783,"component":821},"2a532b3a-704d-43f9-998d-d5efb9b32e13",{"type":15,"content":784},[785,797,801,805,809,813,817],{"type":18,"content":786},[787,789,795],{"text":788,"type":22},"Currently, the ",{"text":790,"type":22,"marks":791},"full retirement age",[792],{"type":31,"attrs":793},{"href":794,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.unbiased.com/discover/retirement-investing/what-is-full-retirement-age",{"text":796,"type":22}," is 66 if you were born from 1943 to 1954. ",{"type":18,"content":798},[799],{"text":800,"type":22},"This increases gradually for those born between 1955 to 1960, and for anyone born in 1960 or later, you’ll only receive full retirement benefits aged 67. In other words, by 2023 the retirement age will be 67.  ",{"type":18,"content":802},[803],{"text":804,"type":22},"If you retire at 62, you’ll be eligible to receive a reduced social security payment, while those 65 and over will receive some free Medicare benefits if they paid contributory taxes for at least 10 years.  ",{"type":18,"content":806},[807],{"text":808,"type":22},"Of course, not everyone retires at the same age. ",{"type":18,"content":810},[811],{"text":812,"type":22},"Around 3 million workers took early retirement as a direct result of the COVID-19 pandemic. ",{"type":18,"content":814},[815],{"text":816,"type":22},"Health problems, caregiving duties or layoffs mean that taking retirement isn’t always a choice, but rather a necessity. ",{"type":18,"content":818},[819],{"text":820,"type":22},"What’s often true though, is that the longer you’ve worked, the easier it is to retire. ","article-paragraph",{"_uid":823,"text":824,"component":780},"d067cd47-60f8-4a41-baa3-83bb8c5ece3f","Doing the math",{"_uid":826,"text":827,"component":821},"994fd19c-db55-4fe0-b4d3-757b7cdc3906",{"type":15,"content":828},[829,833,845,849,853,857,861,874,948,952,965,969,1032,1036,1040],{"type":18,"content":830},[831],{"text":832,"type":22},"There’s no easy equation that demonstrates how much you should save for your retirement. ",{"type":18,"content":834},[835,837,843],{"text":836,"type":22},"Thanks to the various external factors that can have implications on your income, experts are tentative to offer a ",{"text":838,"type":22,"marks":839},"definitive number",[840],{"type":31,"attrs":841},{"href":842,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.unbiased.com/discover/retirement-investing/retirement-calculator",{"text":844,"type":22},". ",{"type":18,"content":846},[847],{"text":848,"type":22},"Although many financial advisors will recommend saving at least 15 per cent of your pre-tax salary for retirement, this takes a number of factors for granted. ",{"type":18,"content":850},[851],{"text":852,"type":22},"To retire comfortably at 62 on this basis, you would need to have started saving 15 per cent from the age of 25, or at age 35 if your aim was retiring at 65.  ",{"type":18,"content":854},[855],{"text":856,"type":22},"Of course, not everyone is able to start saving for retirement in their twenties or thirties. ",{"type":18,"content":858},[859],{"text":860,"type":22},"But if you start later, or save less, then you may have to work longer, or at least cut down on expenses and contribute more to your retirement fund. ",{"type":18,"content":862},[863,872],{"text":864,"type":22,"marks":865},"Fidelity",[866,870],{"type":31,"attrs":867},{"href":868,"uuid":34,"anchor":34,"target":869,"linktype":36},"https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire","_blank",{"type":871},"underline",{"text":873,"type":22}," has offered some simple benchmarks to go by, based on your annual earnings, for how much you should’ve saved for retirement at various ages.",{"type":875,"content":876},"bullet_list",[877,888,898,908,918,928,938],{"type":878,"content":879},"list_item",[880],{"type":18,"content":881},[882,886],{"text":883,"type":22,"marks":884},"Age 30:",[885],{"type":38},{"text":887,"type":22}," 1x your annual salary saved",{"type":878,"content":889},[890],{"type":18,"content":891},[892,896],{"text":893,"type":22,"marks":894},"Age 40:",[895],{"type":38},{"text":897,"type":22}," 2x your annual salary saved",{"type":878,"content":899},[900],{"type":18,"content":901},[902,906],{"text":903,"type":22,"marks":904},"Age 45:",[905],{"type":38},{"text":907,"type":22}," 4x your annual salary saved",{"type":878,"content":909},[910],{"type":18,"content":911},[912,916],{"text":913,"type":22,"marks":914},"Age 50:",[915],{"type":38},{"text":917,"type":22}," 6x your annual salary saved",{"type":878,"content":919},[920],{"type":18,"content":921},[922,926],{"text":923,"type":22,"marks":924},"Age 55:",[925],{"type":38},{"text":927,"type":22}," 7x your annual salary saved",{"type":878,"content":929},[930],{"type":18,"content":931},[932,936],{"text":933,"type":22,"marks":934},"Age 60:",[935],{"type":38},{"text":937,"type":22}," 8x your annual salary saved",{"type":878,"content":939},[940],{"type":18,"content":941},[942,946],{"text":943,"type":22,"marks":944},"Age 67:",[945],{"type":38},{"text":947,"type":22}," 10x your annual salary saved",{"type":18,"content":949},[950],{"text":951,"type":22},"Alternatively, a more practical approach from Investopedia suggests that you should save 25 per cent of your gross salary every year, starting in your twenties. ",{"type":18,"content":953},[954,956,963],{"text":955,"type":22},"This figure would include ",{"text":957,"type":22,"marks":958},"401(k)",[959],{"type":31,"attrs":960},{"href":961,"uuid":962,"anchor":34,"target":869,"linktype":74},"/discover/retirement-investing/what-is-a-401k-and-how-does-it-work","5b2367a1-273c-47d9-8153-731a4364e537",{"text":964,"type":22}," holdings along with matching employer contributions, and sticking to it would consequently see you accumulate your full annual salary by the age of 30. ",{"type":18,"content":966},[967],{"text":968,"type":22},"If you continued at the same average savings rate, you would yield the following:",{"type":875,"content":970},[971,980,989,997,1006,1014,1022],{"type":878,"content":972},[973],{"type":18,"content":974},[975,979],{"text":976,"type":22,"marks":977},"Age 35:",[978],{"type":38},{"text":897,"type":22},{"type":878,"content":981},[982],{"type":18,"content":983},[984,987],{"text":893,"type":22,"marks":985},[986],{"type":38},{"text":988,"type":22}," 3x your annual salary saved",{"type":878,"content":990},[991],{"type":18,"content":992},[993,996],{"text":903,"type":22,"marks":994},[995],{"type":38},{"text":907,"type":22},{"type":878,"content":998},[999],{"type":18,"content":1000},[1001,1004],{"text":913,"type":22,"marks":1002},[1003],{"type":38},{"text":1005,"type":22}," 5x your annual salary saved",{"type":878,"content":1007},[1008],{"type":18,"content":1009},[1010,1013],{"text":923,"type":22,"marks":1011},[1012],{"type":38},{"text":917,"type":22},{"type":878,"content":1015},[1016],{"type":18,"content":1017},[1018,1021],{"text":933,"type":22,"marks":1019},[1020],{"type":38},{"text":927,"type":22},{"type":878,"content":1023},[1024],{"type":18,"content":1025},[1026,1030],{"text":1027,"type":22,"marks":1028},"Age 65:",[1029],{"type":38},{"text":1031,"type":22}," 8x your annual salary saved ",{"type":18,"content":1033},[1034],{"text":1035,"type":22},"Such guidelines do not take into account the money that may be needed to support you through real-life events, like medical care or job losses, but can offer an insight into the amount that would help to support you in your retirement.  ",{"type":18,"content":1037},[1038],{"text":1039,"type":22}," It’s also worth noting that money withdrawn from a traditional IRA or 401(k) during retirement will be considered taxable income, but from a Roth IRA or Roth 401(k) it is usually not taxable. ",{"type":18,"content":1041},[1042],{"text":1043,"type":22},"This is yet another example of how the calculations can be altered due to personal circumstances.  ",{"_uid":1045,"text":1046,"component":780},"1009022c-4080-4c5e-9b04-88033d7e52d4","What expenses will you be facing?",{"_uid":1048,"text":1049,"component":821},"85f6de02-9a4e-4306-bcd1-817d12c3bb09",{"type":15,"content":1050},[1051,1055,1059,1072],{"type":18,"content":1052},[1053],{"text":1054,"type":22},"Before deciding what sort of retirement lifestyle you’d like to be living, let’s not forget the necessary expenses that you’ll still be faced with even when you stop working. ",{"type":18,"content":1056},[1057],{"text":1058,"type":22},"As you get older, your spending patterns may change; though spending less on transport, you may instead be spending more on your health. ",{"type":18,"content":1060},[1061,1063,1070],{"text":1062,"type":22},"The below chart, based on ",{"text":1064,"type":22,"marks":1065},"data from the Employee Benefit Research Institute",[1066,1069],{"type":31,"attrs":1067},{"href":1068,"uuid":34,"anchor":34,"target":869,"linktype":36},"https://www.ebri.org/docs/default-source/ebri-issue-brief/ebri_ib_492_spendovertime-3oct19.pdf?sfvrsn=9f503c2f_10",{"type":871},{"text":1071,"type":22},", offers an idea of how retirees’ spending patterns change over time.",{"type":18,"content":1073},[1074],{"type":1075,"attrs":1076},"image",{"alt":12,"src":1077,"title":12,"copyright":12},"https://a.storyblok.com/f/175791/1173x346/5e2bfa1bf1/screenshot-2022-11-21-163840.png",{"_uid":1079,"text":1080,"component":780},"8b8c69f6-9d4b-4932-933a-135497b892b8","What is your planned retirement lifestyle?",{"_uid":1082,"text":1083,"component":821},"52b3b6a9-7805-4f49-be79-384f0e315398",{"type":15,"content":1084},[1085,1089,1093,1097,1101],{"type":18,"content":1086},[1087],{"text":1088,"type":22},"Will you be tightening the belt when you retire, or going out and seeing the world? ",{"type":18,"content":1090},[1091],{"text":1092,"type":22},"If you’re open to living frugally — perhaps downsizing and reducing your general outgoings — then earlier retirement could be an option for you. ",{"type":18,"content":1094},[1095],{"text":1096,"type":22},"You might plan to eat more meals at home, shop at cheaper stores and generally cut down on more frivolous expenses. ",{"type":18,"content":1098},[1099],{"text":1100,"type":22},"However, if instead you would like to maintain your lifestyle, or perhaps even spend money on luxuries like traveling or developing your property, then you’ll naturally need to have saved more money before comfortably retiring. ",{"type":18,"content":1102},[1103,1105,1110,1112,1116],{"text":1104,"type":22},"Planning ",{"text":1106,"type":22,"marks":1107},"how ",[1108],{"type":1109},"italic",{"text":1111,"type":22},"you expect to spend your money is just as important as establishing ",{"text":1113,"type":22,"marks":1114},"how much ",[1115],{"type":1109},{"text":1117,"type":22},"to save for retirement.",{"_uid":1119,"text":1120,"component":780},"cbc9eced-05f8-4d95-bb87-2a7ecca61c60","How do you want to retire?",{"_uid":1122,"text":1123,"component":821},"d50f1d23-0205-4c77-98d7-94b8e6897dde",{"type":15,"content":1124},[1125,1143,1147,1157,1161],{"type":18,"content":1126},[1127,1129,1141],{"text":1128,"type":22},"There is ",{"text":1130,"type":22,"marks":1131},"more than one",[1132],{"type":31,"attrs":1133},{"href":1134,"uuid":1135,"anchor":34,"target":35,"linktype":74,"story":1136},"/discover/financial-advice/should-you-have-more-than-one-financial-advisor","caba0778-eb6c-4193-813b-3a9a0efd655d",{"name":1137,"id":1138,"uuid":1135,"slug":1139,"url":1140,"full_slug":1140,"_stopResolving":558},"Should you have more than one financial advisor",637830332,"should-you-have-more-than-one-financial-advisor","discover/financial-advice/should-you-have-more-than-one-financial-advisor",{"text":1142,"type":22}," way to retire. ",{"type":18,"content":1144},[1145],{"text":1146,"type":22},"In your sixties, the golden age of retirement is on the horizon. But perhaps you won’t want to go cold turkey and finish work altogether at the retirement age you have in mind. ",{"type":18,"content":1148},[1149,1151,1155],{"text":1150,"type":22},"You may instead plan to go part-time, reducing your hours and income but still adding ",{"text":1152,"type":22,"marks":1153},"some",[1154],{"type":1109},{"text":1156,"type":22}," money to your nest egg. ",{"type":18,"content":1158},[1159],{"text":1160,"type":22},"Or, alternatively, you may want to quit your job in favor of volunteer work. ",{"type":18,"content":1162},[1163],{"text":1164,"type":22},"This may not be a money-earner, but your days will still be filled with some form of labor — and when you’re working, you’re not spending. ",{"_uid":1166,"text":1167,"component":821},"7790a509-f521-417c-8be8-3478cd4fe2a4",{"type":15,"content":1168},[1169],{"type":18,"content":1170},[1171],{"text":1172,"type":22},"Ultimately, saving for retirement is about how you’re planning to live once you get there. But it’s never too early to start planning for the future. ",[1174],{"_uid":1175,"image":1176,"title":1181,"subtitle":12,"component":1195,"breadcrumbs":558},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1177,"alt":1178,"name":12,"focus":12,"title":12,"filename":1179,"copyright":12,"fieldtype":1180,"is_external_url":543},6432392,"How much money do I need to retire","https://a.storyblok.com/f/175791/900x480/736a66e0ea/how-much-money-do-i-need-to-retire.jpeg","asset",{"type":15,"content":1182},[1183],{"type":18,"content":1184},[1185,1187,1193],{"text":1186,"type":22},"How much money ",{"text":1188,"type":22,"marks":1189},"do I need",[1190],{"type":25,"attrs":1191},{"class":1192},"primary-gradient",{"text":1194,"type":22}," to retire?   ","app-hero",{"name":1197,"created_at":1198,"published_at":1199,"updated_at":1198,"id":1200,"uuid":1201,"content":1202,"slug":1210,"full_slug":1211,"sort_by_date":34,"position":1212,"tag_list":1213,"is_startpage":543,"parent_id":1214,"meta_data":34,"group_id":1215,"first_published_at":1216,"release_id":34,"lang":730,"path":34,"alternates":1217,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Kate Morgan","2022-11-24T11:24:28.492Z","2022-12-01T07:24:31.000Z",224651379,"62705e7a-a25d-45f7-aa2c-54511bc7f753",{"job":1203,"_uid":1204,"name":1197,"image":1205,"component":1208,"description":1209},"Content writer","411106c9-b210-4ad7-9a81-674a54e6edad",{"id":1206,"alt":12,"name":12,"focus":12,"title":12,"filename":1207,"copyright":12,"fieldtype":1180,"is_external_url":543},6212296,"https://a.storyblok.com/f/175791/503x512/e4f8888b72/kate-morgan.png","article-author","Kate has written for leading publications and blue chip companies over the last 20 years.","kate-morgan","authors/kate-morgan",10,[],224651374,"2653964f-cdf0-4e77-bb27-aa6570f22695","2022-11-22T09:54:56.260Z",[],[1219],{"_uid":1220,"body":1221,"title":1234,"component":1235},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[1222,1226,1230],{"_uid":1223,"href":1224,"text":1225,"component":542,"openInNewWindow":558},"8d212293-e76a-4804-9add-c2867245490c","https://www.unbiased.com/discover/retirement-investing/what-sort-of-retirement-lifestyle-do-you-want","What retirement lifestyle do you want?",{"_uid":1227,"href":1228,"text":1229,"component":542,"openInNewWindow":558},"5622fbbb-7de6-4ecd-a53f-d6d08980dafd","https://www.unbiased.com/discover/retirement-investing/where-should-i-retire-the-best-and-worst-states-revealed","Where should I retire?",{"_uid":1231,"href":1232,"text":1233,"component":542,"openInNewWindow":558},"3c2ab546-69ad-4ba9-96fe-c14ba7b145d5","https://www.unbiased.com/discover/retirement-investing/retirement-countdown-dos-and-donts","Retirement countdown dos and don’ts","Related articles","app-links-list",{"_uid":1237,"title":1238,"plugin":1239,"og_image":12,"og_title":12,"description":1240,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"ed24b94d-7a43-4a91-b3cc-091fe343686b","How much money do I need to retire?","seo_metatags","When planning your retirement, the most fundamental question to ask yourself is “how much do I need to retire?” – so give yourself a head start and find out which important things you’ll need to consider when doing the math.","app-article",[],[1244],"2e2a39e5-4f86-4f45-8ad7-3d257c361ad2","There is no single way to accumulate your retirement nest egg. But by weighing up the options for what your future holds and pinpointing the amount you’ll need to live happily ever after, you’ll be standing yourself in good stead.",[],"how-much-money-do-i-need-to-retire","discover/retirement/how-much-money-do-i-need-to-retire",1490,[],365223437,"7ca48e87-8854-4192-af40-bd5fbc03c798","2022-11-29T11:59:59.771Z",[],{"left":727,"top":727,"width":1256,"height":1256,"rotate":727,"vFlip":543,"hFlip":543,"body":1257},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1259,1262,1263],{"title":1260,"exact":558,"href":1261},"Home","https://www.unbiased.com",{"title":161,"exact":558,"to":174,"disabled":543},{"title":750,"exact":558,"to":1264,"disabled":558},"/discover/retirement/how-much-money-do-i-need-to-retire",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1266},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777541066069]