Your Financial Freedom Number is:
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Want to See How to Potentially Lower This to $X,XXX,XXX Based on retirement research[1] showing many households can cut their target by 25–30% using smarter income, tax, and withdrawal strategies. — or Even Less?

This is how much you might need to stop working and keep your lifestyle.

Here’s how we estimated your number:
📦 Estimated Monthly Spending:
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Based on 60–70% of your current income — aligned with retirement research for higher-income households.
🏦 Social Security:
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We use Social Security’s actual formula structure and adjust it for your retirement age. Your income today is assumed to reflect your historical earnings.
🔻 Portfolio Gap:
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This is the difference between what you’ll spend and what Social Security covers. It’s what your nest egg must provide.
💰 Savings Needed:
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Based on the "4% Rule" — a common retirement guideline used to estimate safe, lifelong withdrawals.
Want to try different inputs? Book a call and we'll walk through it together.

You Don’t Need a Rule of Thumb. You Need a Real Plan.

This isn’t about guessing. It’s about getting it right.

We’ll help you:

- Lower your number with smarter tax and withdrawal strategies

- Plan for how spending changes over time

- Make your income more flexible — not fixed

No pressure. Just clarity.

This worksheet calculator is a self-help tool and is not intended to provide financial advice or product recommendations. The results and explanations generated by this calculator are based upon, and will vary due to, your input and assumptions. All projections are hypothetical in nature, do not reflect actual results, and are not guarantees of future results. For more accurate and detailed information specific to your circumstances, a full needs analysis should be conducted. The information provided is not written or intended as specific tax or legal advice. Denton Financial Group assumes no liability for the use of or reliance on this calculator.

[1] Sources:
- Pfau, Wade D. How Much Can You Spend in Retirement?
- Blanchett, David M. Estimating the True Cost of Retirement, Journal of Financial Planning
- Morningstar. Safe Withdrawal Rates for Retirees: Evidence and Strategies, 2022