No math needed. Find your row and read across.
Your retirement number
What you spend in a year, times 25. That’s the 4% rule. Read the guide
| You spend per year | You need saved |
|---|---|
| $30,000 | $750,000 |
| $40,000 | $1,000,000 |
| $50,000 | $1,250,000 |
| $60,000 | $1,500,000 |
| $70,000 | $1,750,000 |
| $80,000 | $2,000,000 |
| $100,000 | $2,500,000 |
| $120,000 | $3,000,000 |
Your emergency fund
Aim for 3 to 6 months of what you spend. Read the guide
| You spend per month | 3 months | 6 months |
|---|---|---|
| $2,000 | $6,000 | $12,000 |
| $3,000 | $9,000 | $18,000 |
| $4,000 | $12,000 | $24,000 |
| $5,000 | $15,000 | $30,000 |
| $6,000 | $18,000 | $36,000 |
| $8,000 | $24,000 | $48,000 |
Saving your first $10,000
How much to set aside each month, before any interest. Read the guide
| Your goal | Save per month |
|---|---|
| 12 months | $834 |
| 18 months | $556 |
| 24 months | $417 |
| 36 months | $278 |
Down payment on a home
How much cash each down payment takes. Putting down less than 20% usually means paying mortgage insurance. Read the guide
| Home price | 3.5% | 5% | 10% | 20% |
|---|---|---|---|---|
| $200,000 | $7,000 | $10,000 | $20,000 | $40,000 |
| $250,000 | $8,750 | $12,500 | $25,000 | $50,000 |
| $300,000 | $10,500 | $15,000 | $30,000 | $60,000 |
| $350,000 | $12,250 | $17,500 | $35,000 | $70,000 |
| $400,000 | $14,000 | $20,000 | $40,000 | $80,000 |
| $500,000 | $17,500 | $25,000 | $50,000 | $100,000 |
Rounded and simplified for general education. Your numbers may be different.
