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Calculators
Retirement Calculator
Calculate how much you need to save for retirement. Set your age, savings, monthly contributions, and expected return to see your retirement balance and income.
Frequently asked
questions
The 4% rule is a guideline suggesting that retirees can withdraw 4% of their portfolio annually without running out of money over a 30-year retirement. To use it: multiply your desired annual retirement income by 25 to get the savings target.
Historical long-term stock market returns average around 7–10% before inflation (roughly 4–7% after inflation). For a diversified retirement portfolio, 6–7% is a commonly used planning assumption. Conservative estimates use 4–5%.
Inflation reduces purchasing power over time. A 3% inflation rate means $100,000 today is equivalent to about $74,000 in purchasing power 10 years from now. The real return is your investment return minus inflation.