FreeByte

Retirement number calculator

The pot that funds your spending.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
4%
$

Pot required

$360,000

Funded by savings

$36,000

With these inputs, pot required comes to $360,000. Funded by savings works out to $36,000. The result assumes safe withdrawal rate stays at 4%.

Monthly draw
$3,000
Pot at 3.5% rule
$1,028,571

What moves the number · Pot required

Input−10%Now+10%
Yearly spending in retirement$312,000$360,000$408,000
Other yearly income$372,000$360,000$348,000

Solve for an input

Whatmakesequal

Compare scenarios

Save this set of inputs, change something, then save again to compare the outcomes side by side.

The pot that funds your spending.

A worked example

Starting figures

Yearly spending in retirement
$48,000
Safe withdrawal rate
4%
Other yearly income
$12,000

What it returns

Pot required
$360,000
Funded by savings
$36,000
Monthly draw
$3,000
Pot at 3.5% rule
$1,028,571

How to read the results

With the defaults above, pot required works out at $360,000.

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