Calculator
Are you on track to retire?
See how your current savings and monthly contributions stack up against what you will actually need, using the physician-relevant 4% withdrawal rule.
Retirement Readiness Calculator
Based on the 4% safe withdrawal rule, the physician-tested standard
The 4% rule assumes your portfolio can sustain withdrawals equal to 4% annually. For illustrative purposes only.
To close the gap, you would need approximately $2,409/month more in contributions.
Let's build a plan to close the gap.
Your real number accounts for Social Security, loan payoff timing, and tax-bracket management.
Get a Personalized PlanUnderstanding the 4% rule for physicians
The 4% rule comes from the Trinity Study and suggests that a retiree can withdraw 4% of their portfolio annually, adjusted for inflation, with a high probability of never running out of money over a 30-year retirement.
To find your retirement number using this rule, multiply your desired annual spending by 25. If you want $200,000 per year in retirement, your target portfolio is $5,000,000.
For physicians, this rule has specific implications. Your higher income means higher spending habits that must be sustained. But your compressed saving timeline, starting at attending salary in your early-to-mid 30s, means you are racing against time. The good news: your savings rate capacity is also much higher, and maximizing every tax-advantaged account from day one dramatically changes the outcome.
Social Security is intentionally excluded from this calculator. While it will be a factor for most physicians, the amount and timing are uncertain, and relying on it in projections creates false confidence. We treat it as a bonus, not a foundation.