How much you need to retire in every state after Social Security—from $644,000 in North Dakota to $1 million in New Jersey

$1.2 million. That’s how much Americans in workplace retirement plans say they’ll need to retire comfortably, according to Schroders’ 2026 U.S. Retirement Survey. If that number makes you check your 401(k) twice, you’re in good company. In the same survey, 51% of plan participants said they expect to have less than $500,000 saved by retirement, including 24% who expect less than $250,000. Only 30% think they’ll reach $1 million. The survey polled 1,500 U.S. investors ages…