Glideway

Spending $120,000 a year in retirement?

The 4% rule says you need $3,000,000

Your real number: $4.6 million

For a married couple retiring at 50 in New Jersey, after federal and state taxes, across a 45-year retirement, with 90% confidence. Yours will be different. Find it in about two minutes.

No sign-up. No bank linking.

What the 4% rule leaves out

It was built from 30-year retirements and pre-tax dollars. If you retire early, live in a high-tax state, or hold most of your money in a brokerage account, it can be off by a million dollars or more.

  • Taxes, done properly
    Federal brackets, capital gains, the 3.8% investment tax, and your state.
  • Your actual accounts
    Brokerage, 401(k), Roth, and cash are taxed differently. Early withdrawals carry penalties.
  • Money coming later
    Social Security, pensions, rentals, an inheritance, or a business sale.
  • How sure you need to be
    90%, 95%, or 99% — tested against 1,000 market futures.

How it works

  1. Step 1
    Answer 10 questions
    Your age, spending, accounts, and anything coming later.
  2. Step 2
    We run 1,000 futures
    Each one applies your taxes year by year, in your browser.
  3. Step 3
    Get your number free
    The full plan — every lever, year by year — is a one-time $49.