How Much You Need To Save Monthly To Retire Comfortably in Every State

Core Insights - The cost of a comfortable 20-year retirement in the U.S. varies significantly by state, requiring savings ranging from less than $800,000 to over $2 million [1][2] - GOBankingRates conducted a state-by-state analysis to determine the average cost of living and additional savings needed for retirement [2][3] State-by-State Analysis - Hawaii has the highest retirement cost, requiring over $2.3 million, with a monthly saving of approximately $5,500 starting at age 30 [4] - West Virginia offers the most affordable retirement option, needing around $770,000, translating to monthly savings of $1,833 starting at age 30 [4] - Fifteen states require monthly savings of more than $3,000, with California and Massachusetts being the next most expensive after Hawaii, both needing over $4,000 per month [4][5]