Americans may need roughly $2.57 million to retire comfortably by 2043, up sharply from the $1.75 million projected for 2033, according to a 2025 Goldman Sachs retirement survey.

The increase reflects years of inflation that have driven up the costs of housing, health care and daily expenses. Households headed by someone 65 or older now spend about $122,000 annually, compared with roughly $60,000 in 2000, the survey explained.

Financial experts told Realtor.com that home equity can help supplement retirement income through tools such as reverse mortgages and home equity investments, but they caution against relying on it as details ⇒

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