You want to be able to withdraw $4000 a month for 30 years how much would you need to have in your account with an APR of 3.4% to accomplish this goal

  $904,510.28

Step-by-step explanation:

If we assume the withdrawals are at the beginning of the month, we can use the annuity-due formula.

  P = A(1 +r/n)(1 -(1 +r/n)^(-nt))/(r/n)

where r is the APR, n is the number of times interest is compounded per year (12), A is the amount withdrawn, and t is the number of years.

Filling in your values, we have ...

  P = $4000(1 +.034/12)(1 -(1 +.034/12)^(-12·30))/(.034/12)

  P = $904,510.28

You need to have $904,510.28 in your account when you begin withdrawals.

You need to have $904,510.28 in your account when you begin