How much do you need to retire?
"Enough" isn't a number. Let's find yours.
The simple version
Decide what yearly income you'd want. A common rule of thumb is that you can draw about 4% of a pot each year. So the pot you need is roughly your yearly income × 25, minus whatever a government pension covers.
Your move
Starting 10 years earlier mostly changes what?
Key takeaway
Income × 25 is a starting target. Start early, and increase contributions with every raise.
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Last checked September 28, 2026 · Example figures; rules vary by country · General education, not financial advice