Can I retire on…?

$300,000

$1,000/month

$12,000/year at 4%

Not on its own — treat it as a supplement to Social Security, not a replacement for income.

$400,000

$1,333/month

$16,000/year at 4%

Workable with Social Security and low expenses, but the margin for error is thin.

$500,000

$1,667/month

$20,000/year at 4%

Yes for a paid-off home and modest budget with Social Security — no for a high-cost lifestyle.

$600,000

$2,000/month

$24,000/year at 4%

Comfortable for a couple with two Social Security checks; tighter for early retirees bridging to 62+.

$700,000

$2,333/month

$28,000/year at 4%

Yes for most typical budgets once Social Security starts — the question becomes lifestyle, not survival.

$750,000

$2,500/month

$30,000/year at 4%

The first tier where the portfolio alone can carry a lean budget, with Social Security as pure margin.

$800,000

$2,667/month

$32,000/year at 4%

Matches average retiree spending with Social Security — and rewards flexible withdrawals.

$900,000

$3,000/month

$36,000/year at 4%

Functionally equivalent to $1M — waiting for the round number is psychology, not math.

$1,000,000

$3,333/month

$40,000/year at 4%

Buys the average American retirement almost exactly — luxury requires either more assets or lower costs.

$1,500,000

$5,000/month

$60,000/year at 4%

Covers average household spending without Social Security — the realistic early-retirement floor for many.

$2,000,000

$6,667/month

$80,000/year at 4%

Comfortably yes — the binding question becomes tax strategy, not portfolio survival.

$2,500,000

$8,333/month

$100,000/year at 4%

Yes with room to spare — the more common failure mode at this level is underspending, not running out.

$3,000,000

$10,000/month

$120,000/year at 4%

Financial independence by nearly any definition — planning shifts to purpose, gifting, and estate.

$4,000,000

$13,333/month

$160,000/year at 4%

Volatility threatens comfort, not viability — attention goes to long-term care and estate exposure.

$5,000,000

$16,667/month

$200,000/year at 4%

The portfolio will almost certainly outlive you — the real questions are estate and legacy design.