How Much Do You Need to Retire at 49?
Plan the years before Social Security starts, then the years supported by savings and income.
Example estimate
Savings needed at retirement
$635,970
- Bridge before Social Security
- $501,898
- Planning years
- 46
- Monthly gap after Social Security
- $1,000.00
An illustrative calculation. Review the assumptions below before using the result.
Bridge income, then ongoing income
Each month’s spending gap is discounted using (1 + annual real return)^(1/12) − 1. Pension starts at retirement; Social Security at the selected age. The required starting capital is the largest cumulative discounted gap, allowing no borrowing against a future surplus. No terminal estate target or safety margin is added.
Questions, answered.
How much do I need to retire at 49?
The answer depends on your spending, income start ages, planning horizon and assumed real return. The displayed savings requirement uses the inputs shown in this form.
Does this use my personal records?
No. Enter amounts or assumptions only. The site cannot retrieve an SSA earnings record, bank account, pension award or tax return.
Can I calculate with JavaScript turned off?
Yes. Each form sends a standard GET request and PHP calculates the result. JavaScript only improves the update and consent experience.
Why do the official numbers differ from my result?
Individual eligibility, exact dates, rounding, deductions and rules omitted from a simplified scenario can change the amount. Check the source and your own agency notice.
Can I print the calculation?
Use your browser’s print command. The inputs, result and assumptions remain; navigation and consent controls are removed from the printed view.
Check the sources.
Data checked October 1, 2026.