Plan your retirement in a few simple steps.
Input your current age and the age at which you plan to retire to calculate your accumulation period.
Enter your existing retirement savings balance and how much you plan to contribute each month.
Enter your expected annual investment return (e.g. 7%) and an assumed annual inflation rate (e.g. 2.5%).
Specify how much you expect to spend per month in retirement in today's dollars.
Check your projected balance at retirement, the inflation-adjusted value in today's dollars, the savings target based on the 4% safe withdrawal rule, and the estimated monthly income your portfolio can support.
The projected balance compounds your current savings and monthly contributions at the expected annual return rate over the years until retirement. The formula accounts for monthly compounding of both existing savings and new contributions.
The inflation-adjusted balance converts your projected nominal retirement balance into today's purchasing power by dividing it by the cumulative inflation factor over the accumulation period. It shows what your projected balance is worth in current dollars.
The 4% rule is a widely used retirement guideline suggesting you can withdraw 4% of your portfolio in the first year of retirement, then adjust for inflation annually, with a high probability your savings will last 30 years. The SWR target shows how large your portfolio needs to be to cover your desired spending using this rule.
The SWR monthly income is 4% of your projected balance divided by 12. It represents the monthly income you could sustainably draw from your portfolio in retirement without depleting it too quickly.
A commonly used long-term average for a diversified stock portfolio is around 7% (after inflation) or 10% nominal. Conservative portfolios closer to retirement may use 4–5%. The right rate depends on your asset allocation and risk tolerance.
No, this calculator focuses on personal savings and investment growth. You should add any expected Social Security benefit or pension income on top of the SWR monthly income when planning your retirement budget.
Calcula tu saldo proyectado de jubilación, el objetivo de ahorro ajustado por inflación y la estimación de la tasa de retiro segura.
La Calculadora de Jubilación te ayuda a proyectar el crecimiento de tus ahorros hasta la jubilación, estimar el monto necesario ajustado por inflación y determinar el ingreso mensual que puedes retirar de forma sostenible con la regla del 4%.
Planifica tu jubilación en unos sencillos pasos.