This wolframalpha I drew up gives the basica formula with a target income option if anyone wants to mess around with the numbers. https://www.wolframalpha.com/i

This wolframalpha I drew up gives the basica formula with a target income option if anyone wants to mess around with the numbers. https://www.wolframalpha.com/input/?i=100+%3D+%2826.5+*+sum+1.06%5Ex+from+0+to+y%29*+.04 https://www.wolframalpha.com/input/?i=100+%3D+%2826.5+*+sum+... The .04 is withdrawal rate, 26.5k a year from 401k and ira, 6% interest after inflation. Gives 31.5 years to 100k inflation adjusted income after tax. Edit: fixed