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How much do you need to live on in retirement?

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This item: Early Retirement on a Shoestring. Set up a giveaway. There's a problem loading this menu right now. Learn more about Amazon Prime. Get fast, free delivery with Amazon Prime. Back to top. Get to Know Us. Amazon Payment Products. Like the Taylors, they economize on things that don't add particular value so that they can spend more on what is important to them, but they have more money to reallocate.

The average seniors budget falls in-between the amounts spent by the Taylors and Frasers. If that sounds low, remember that postworking life is often surprisingly affordable because large midlife costs, such as paying off a mortgage, raising kids, and saving for retirement, are often finished. Generally you pay down and eventually pay off the mortgage.

Costs of rearing and educating children end when they become financially self-sufficient.

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With retirement, you no longer have CPP and EI deductions, you're generally finished with pension deductions and saving, and you may spend less on clothing and transportation. As you need less income, you pay less income tax. On the other hand, childless renters won't see nearly as much drop-off in costs. Some retirees are still carrying a mortgage or helping their children financially. Individual circumstances vary. Careful spending helps the Taylors achieve typical middle class comforts on a modest budget in Victoria.

Earlier in life, this frugal nature combined with well-paying technology jobs allowed them to accumulate savings quickly and retire ten years ago around age Their situation also shows why using a 50 per cent to 70 per cent income replacement ratio can mislead—their retirement spending is well under 20 per cent of preretirement earnings after adjusting for inflation. The Taylors live in a mortgage-free three-bedroom house. Because it was only built 10 years ago, they enjoy low repair and maintenance costs.

They drive a mid-level car, although it is 14 years old. They exercise inexpensively, swimming in public pools and hiking in nearby hillside trails. They have accumulated a wardrobe of good quality clothes and see no need to spend much on new clothes. They do like to eat well and so spend ample amounts on groceries, but they also carefully shop grocery store specials. They stretch their travel dollars by: careful online comparison shopping, avoiding peak seasons, booking far in advance, and sometimes using alternative accommodation like Airbnb or a house-swap.

How much do you need to live on in retirement? | Money | The Guardian

To Daniel Fraser, retirement isn't an end to work, but rather it is working at whatever he wants to do. Since he retired from his career job as a community college professor just over two years ago, he has worked as a musician and volunteer refugee settlement worker. He performs in a musical group, which brings in a little money and lots of enjoyment playing at weddings, colleges, legion halls, and clubs. He volunteers helping refugees from Afghanistan, Iraq and Syria adapt to Canada. Joan, who is in her early 60s, finds satisfaction for now continuing her career as a public school teacher.

Compared to the Taylors, the Frasers budget allows them to spend more in a number of categories. Carrying a mortgage into retirement isn't ideal, but Daniel preferred that to working longer at his career job. They made sure the mortgage payments fit within their budget and they have plenty of home equity as back-up. But I like doing what I'm doing and that's worth a lot. They take other steps to hold down housing costs.

Daniel keeps repair costs down on their s house by doing much of the work himself, including carpentry, painting, electrical, and plumbing. The Frasers drive a mid-level car that is over 20 years old.

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When they need rides at the same time, Daniel might get on his bicycle, or they rent a car from a ride-sharing program. Health and dental costs are minimal due to generous employer benefits that continue in retirement. This year they plan to visit Europe and a sunspot location during colder months, plus make regular visits to an aging parent in the U.

Daniel is an avid sailor who sails inexpensively by crewing for friends who own boats. However, their spending isn't all personal consumption.


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While looking at what others spend in retirement can help you figure out how much you'll need later, another approach is to start with a detailed breakdown of what you currently spend. Then adjust it for the changes you envision as a result of lifestyle changes in retirement. This Globe calculator can help you find your replacement ratio.

Frugal Living To Retire Early : It’s Simple But Works

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