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  • The 4% Rule You can safely withdraw 4% of your savings every year in your retirement and adjust that amount for inflation without risking running out of money.
  • The Rule of 25 (Inverse of the 4% rule) The amount of money that you need to retire is 25X your annual expenses. There's also [The Rule of 300] which is the same as rule The Rule of 25 except for monthly expenses.

Example: With your monthly spendings being $2,000 you need approximately $600,000 in saving before you retire.