RetirementPlanning·May 10, 2026
How Much Income Do You Really Need in Retirement?
The 80% rule is outdated. Our updated framework adjusts for healthcare, housing, and the new tax brackets.
A better framework
Calculate retirement spending in three buckets: essentials, lifestyle, and buffer.
Bottom line
Add up your planned monthly expenses, multiply by 12, then add a healthcare buffer. Most retirees need $60k–$120k/year household.