Plan your golden years with confidence. See if you're on track for a comfortable retirement.
Monthly Retirement Income
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vs Desired Income
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Enter your details to see if you're on track
đ 4% Rule: Withdraw 4% of your portfolio annually
Your safe withdrawal amount: $0/year
The 4% Rule is a common guideline: multiply your desired annual retirement income by 25. For $60,000/year, you need $1.5 million. However, your actual number depends on factors like life expectancy, inflation, investment returns, and healthcare costs.
Our calculator considers all these factors and shows you exactly where you stand. The key to a secure retirement is starting early and saving consistently.
Scenario 1: The Early Saver
Age 25, $10k saved, $500/month, 8% return, retire at 65
â ~$1,850,000 at retirement!
Scenario 2: The Late Starter
Age 40, $50k saved, $1,000/month, 8% return, retire at 65
â ~$950,000 at retirement
Scenario 3: The FIRE Movement
Age 30, $100k saved, $3,000/month, 10% return, retire at 50
â ~$1,400,000 at age 50!
Scenario 4: Conservative Approach
Age 35, $30k saved, $600/month, 6% return, retire at 67
â ~$750,000 at retirement
4% Rule
Withdraw 4% of portfolio annually
80% Rule
Need 80% of pre-retirement income
25x Rule
Save 25x your annual expenses
15% Rule
Save at least 15% of income
100 - Age
Bond percentage guideline
70% Rule
Live on 70% of pre-retirement income
A common benchmark is 25x your annual expenses (4% rule). For $50,000/year, aim for $1.25 million. Use our calculator for a personalized estimate.
The 4% rule suggests withdrawing 4% of your portfolio in the first year of retirement, then adjusting for inflation. Studies show it works for 30-year retirements.
At 3% inflation, your purchasing power halves every 24 years. That means $1 million today is worth only $500,000 in 24 years.
Most experts recommend saving 15% of your pre-tax income. If starting late (age 40+), aim for 20-25%.
Pay off high-interest debt (credit cards) first. For low-interest debt (mortgage <5%), prioritize retirement savings.
â ī¸ Disclaimer: This retirement calculator provides estimates for educational purposes. Consult a certified financial planner for personalized retirement advice.