How much money do you need to retire comfortably in the US?

Most Americans need between $1 million and $3 million to retire comfortably, depending on lifestyle, location, healthcare costs, and retirement age. The exact amount varies based on individual financial goals and expected expenses.

What is the 4% rule in retirement planning?

The 4% rule suggests retirees can withdraw 4% of their retirement savings annually with a high probability of their money lasting 30 years. For example, if you need $100,000 per year, you may need $2.5 million in savings.

Is $2 million enough to retire in the US?

$2 million may be enough for many retirees, especially if Social Security benefits and other income sources are included. However, required savings depend on annual expenses, inflation, healthcare costs, and investment returns.

How much should I save each month for retirement?

The amount you should save monthly depends on your retirement goal, age, and expected investment return. For example, to accumulate $2 million in 25 years at a 7% annual return, you may need to invest around $2,500 to $3,000 per month.

Does Social Security reduce how much I need to save?

Yes, Social Security benefits can reduce the amount of savings required. If Social Security covers part of your annual expenses, your retirement portfolio only needs to generate the remaining income.

Privacy Policy

Calculate4free

Last Updated: 18 Feb 2026

Welcome to Privacy policy Calculate4Free.com (“we,” “our,” or “us”).
Your privacy is important to us. This Privacy Policy explains how we collect, use, and protect your information when you visit our website.

By using Calculate4Free.com, you agree to the terms outlined below.

1. Information We Collect

a) Personal Information

We do not require user registration to access our calculators.

We may collect personal information only if you:

Contact us via email
Submit a contact form
Communicate directly with us

This may include:

Your name
Email address
Any information you voluntarily provide

b) Non-Personal Information

When you visit our website, we may automatically collect:

Browser type
Device type
IP address
Pages visited
Time spent on pages
Referring website

This data is collected through analytics tools and cookies.

2. How We Use Your Information

We use collected information to:

Improve website functionality
Analyze traffic and performance
Respond to user inquiries
Maintain website security
Serve relevant advertisements

We do not sell, trade, or rent personal information to third parties.

3. Cookies & Tracking Technologies

Calculate4Free.com uses cookies to:

Enhance user experience
Store user preferences
Analyze website traffic
Display advertisements

Cookies are small files stored on your device. You may disable cookies through your browser settings.

However, disabling cookies may affect certain features of the website.

4. Google AdSense & Third-Party Advertising

We use Google AdSense to display advertisements.

Google and its partners may use:

Cookies
Advertising identifiers
Tracking technologies

to show ads based on your visits to this and other websites.

Google may use the DoubleClick cookie to serve personalized ads.

Users may opt out of personalized advertising by visiting:

https://www.google.com/settings/ads

For more information, please review:
https://policies.google.com/technologies/ads

5. Analytics Services

We may use analytics tools (such as Google Analytics) to understand:

How users interact with our website
Traffic patterns
Popular calculators

This helps us improve our services.

Analytics providers may collect anonymized usage data in accordance with their own privacy policies.

6. Data Security

We take reasonable measures to protect your information from:

Unauthorized access
Alteration
Disclosure
Destruction

However, no online platform can guarantee complete security.

7. Children’s Privacy

Calculate4Free.com is not directed toward children under 13 years of age.

We do not knowingly collect personal information from children.

If you believe a child has provided personal data, please contact us, and we will remove the information promptly.

8. External Links

Our website may contain links to third-party websites.

We are not responsible for the privacy practices or content of those external websites. Users are encouraged to review the privacy policies of those sites.

9. Your Privacy Rights

Depending on your location, you may have rights to:

Access personal data
Request correction of data
Request deletion of data
Object to certain processing activities

To exercise these rights, contact us at:

📧 support@calculate4free.com

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

Any changes will be posted on this page with an updated revision date.

We encourage users to review this page periodically.

11. Contact Us

If you have questions about this Privacy Policy, please contact:

📧 support@calculate4free.com
🌐 https://calculate4free.com

Disclaimer

The information and tools provided on Calculate4Free.com are for informational and educational purposes only.
While we strive to provide accurate and up-to-date content, we make no guarantees regarding the completeness, reliability, or accuracy of any information displayed on this website. Your use of this website is at your own risk.
Last Updated: February 18, 2026
Website: https://calculate4free.com
Operated by: Calculate4Free Editorial Team