Envisioning your ideal retirement lifestyle starts with understanding what you would like to do during retirement. If you plan on living a life similar to the one you are living during your working years you will need around 70%-80% of your current gross income every year during retirement to survive. And as another general principle, you only want to withdraw up to 4% of your nest-egg every year to protect you from superannuation. Remember, these percentages are principles, not recommendations as long as we do not know your current financial situation.