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Most people have no idea how much they need to retire. This calculator tells you exactly — using the same 4% rule that financial professionals use — and shows you year by year how to get there.
Subscribe to the NobodyToldMike newsletter and receive the Retirement Freedom Calculator instantly in your inbox.
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What's inside
Sheet 1
Enter 6 numbers. Get your retirement number, two what-if scenarios, your projected portfolio value and your monthly income at retirement — all instantly calculated.
Sheet 2
See exactly how your portfolio grows every single year from today until retirement. Watch your gap close year by year — the most motivating spreadsheet you'll ever open.
Sheet 3
A full plain-language explanation of the 4% rule, the maths behind every formula, and step-by-step instructions. No financial jargon, no assumptions.
The 4% rule comes from the Trinity Study — a landmark 1994 research paper that analysed historical market data going back decades. It found that a portfolio in a balanced mix of stocks and bonds can sustain a 4% annual withdrawal for 30+ years across almost all historical market conditions.
In plain English: if your portfolio is 25 times your annual expenses, you can live off the returns — without ever touching the principal — for the rest of your life.
That number is your retirement number. This calculator finds it for you — and then shows you exactly how to reach it.
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