Fact checked by Betsy Petrick NIKOLA ILIC PR AGENCIJA ZA DIZAJN STUDIOTRIPOD SURCIN / Getty Images Planning for retirement takes a little math. Key Takeaways Financial planners typically advise saving enough to replace about 75% of your pre-tax income for retirement. For the median U.S. household income ($83,730), you'd need about$5,233 per month in retirement. Using the 4% rule, that means that you'd need to save $1.57 million in total. When preparing for retirement, you're probably wondering, wil ...