Planning Your Retirement Location

Where you retire can have a dramatic impact on how far your savings stretch. A $1 million nest egg goes much further in Tulsa than in San Francisco. Our calculator helps you understand exactly how much you need based on your chosen city.

Key Factors We Consider

• Cost of Living - Housing, groceries, utilities, and everyday expenses
• Healthcare Costs - Medicare premiums and out-of-pocket expenses vary by region
• Housing Status - Owning your home outright reduces expenses by ~30%
• Social Security - Your monthly benefit covers part of expenses

The 4% Rule Explained

We use the "4% safe withdrawal rate" to calculate how much savings you need. This rule suggests you can withdraw 4% of your portfolio annually with low risk of running out of money over a 30-year retirement.

Best States for Affordable Retirement

States like Texas, Florida, and Tennessee are popular retirement destinations due to no state income tax. Meanwhile, states like Ohio, Missouri, and Oklahoma offer some of the lowest overall costs of living in the nation.