According to the National Bureau of Retirement Statistics, the average U.S. household does not save enough to cover the costs of retirement.

Many Americans see themselves continuing to work past the age of 65 out of economic necessity, according to a recent report by the Pew Research Center, and some are planning to never retire. The pandemic has also raised questions about some people’s futures, particularly those who have had to draw on retirement savings during job losses or furloughs.

However, because of the differences in cost of living across the country, the amount of retirement funds you need depends on the region you live in. For example, if you live in Hawaii, a retirement fund of a little more than half a million dollars may be enough for you to retire.

But if you live in other states, you’ll need to save even more in order to reach a retirement fund of at least one and a half million dollars. With the exception of Hawaii, which has a retirement fund of more than two million dollars, all other regions have retirement funds of less than one million dollars.

Make sure you’re saving for retirement with the right tools to enjoy your golden years. Find out exactly how much you need to save for retirement in each state to enjoy a comfortable retirement after work.