Sam · What-If StrategistWhat if I retired today?
Could you stop working right now? See how many years your savings and spending could support before the money runs low.
Free to start · iOS & Android
The question behind "can I retire?"
Retiring today means living off what you have plus whatever it earns. If your savings generate more than you spend, they can last indefinitely; if not, the balance winds down over time. This estimates how long that runway could be on your numbers.
Questions people ask
How long will my retirement savings last?
It depends on your balance, how much you spend each year, and your return. If your return covers your spending, savings can last indefinitely; otherwise the balance draws down over time. The calculator estimates the age it could reach.
How much do I need to retire today?
A common rule of thumb is around 25 times your annual spending, which corresponds to drawing about 4% a year. It's a starting point, not a personal plan — your timeline, taxes and other income all matter.
Does this include pensions or government benefits?
No. It's a simplified illustration of savings and spending only, with no pensions, benefits or taxes. Add your full picture in the Richify app for a more complete view.
Related what-ifs
See it on your real money
Track your net worth, then ask Sam any “what if.” Free to start, on iOS and Android.
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