What’s Your Number? How Much You Really Need to Retire

08.05.2026

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[A title cards appears saying "AM I SAVING ENOUGH FOR RETIREMENT?"]

[A mother, father, and son walk towards their car with beach gear in hand]

There's no one-size-fits-all approach to building a nest egg that will last in retirement.

[The family walks together on the beach with all their gear]

How long will you be able to work? Will you face unexpected expenses? And how many years will your retirement last?

[The family plays ball on the beach with the boy standing ready to hit the ball with a plastic bat as his mom tosses the ball to him]

These are just some of the unknowns.

You can follow conventional guidelines.

[The family sits together on the beach, the mother and father high-fiving each other]

One rule is you will need 75 percent of your pre-retirement income each year in retirement.

[The couple is now at their kitchen counter while the wife reads out from a tablet as her husband works on his laptop]

Others provide specific savings targets based on your age.

Or you can run the numbers yourself.

[The family is now having lunch together outside at a lawn table]

For example, the free retirement calculator on MutualofOmaha.com allows you to enter your expected retirement date, current savings rate, typical return on investments, and more.

Of course, the best approach is to talk with a professional.

A Mutual of Omaha licensed financial advisor can help you set unique savings targets, and provide expert guidance along the way.

[The Mutual of Omaha Advisors logo appears]

Get in touch today.

To determine your retirement needs, you can run the numbers yourself, or meet with a licensed financial advisor who can do the math for you. Either way, here are some key factors you’ll want to consider.