We're 65 With $1.9 Million Saved and $5,200 Monthly Social Security. What's Our Retirement Budget?
By Bullbit Editorial · March 27, 2026
WhatA couple with $1.9 million saved and $5,200 monthly Social Security can consider a retirement budget of around **$80,000 to $100,000 per year**.
WhyThis estimate assumes a 4% withdrawal rate from their savings, a conservative approach to ensure long-term sustainability.
SignalTheir $1.9 million savings, combined with Social Security, provides a comfortable retirement income, but they should consider inflation and potential healthcare costs.
TargetTo maintain their standard of living, they may want to aim for a retirement budget of **$90,000 per year**, allowing for some flexibility and travel.
RiskIf they withdraw too aggressively, their savings could deplete faster, highlighting the importance of a well-planned withdrawal strategy.