$1000 rule

Rule‑of‑Thumb Only — Pro Calculates the Projected Amount

Estimate how much you need in savings to provide a chosen monthly income for 30 years using the $1,000-per-month blocks heuristic (blocks × $240,000).

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Note: This is the flip of the 4% rule: 4% tells you sustainable withdrawals from a portfolio; this heuristic tells you how large a portfolio you need to support a chosen monthly withdrawal for a 30-year horizon. Each $1,000/month block is approximated as $240,000 in savings.
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