Set your annual retirement income and instantly see all 40+ US cities ranked from Luxurious to Tight — with your monthly surplus and the nest egg you'd need to sustain it.
💵 My annual retirement income
Your $52K/yr goal needs a $1.3M nest egg — start building it today
The right accounts compound over decades. Here's where to start.
Cost of living adjustment: Each city's costs scale by its COL index relative to the US average of 100. A comfortable retirement ($52,000/yr average) costs only $44,200/yr in Phoenix (COL 85) but $70,200/yr in San Francisco (COL 135).
Nest egg (4% rule): To sustain your annual income indefinitely, you need 25× that amount saved — the 4% safe withdrawal rate from the Trinity Study. A $52K/yr retirement requires a $1.3M nest egg.
State income tax: Cities in Florida, Texas, Nevada, Washington, and Tennessee are labeled "No state tax" — a meaningful advantage for retirees that can add thousands to your annual surplus.