Retirement Age Calculator — Projected Savings & Gap Analysis
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Target
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Retirement Calculator
Target = income / withdrawal rate. At 4%, 0K/yr needs .25M.
Uses real returns (nominal minus inflation). All in today's dollars.
4% rule: withdraw 4% year 1, adjust for inflation yearly.
Disclaimer: This calculator is for informational purposes only and does not constitute financial, tax, or legal advice. Always consult a qualified professional for decisions specific to your situation.
Frequently Asked Questions
What is the 4% rule?
Withdraw 4% of your portfolio year one, adjust for inflation annually. High probability of sustaining a 30-year retirement.
How much do I need to retire?
25x your desired annual income. $50,000/year needs $1.25 million. Adjust for early retirement or other income.
Realistic rate of return?
US stocks: ~10% nominal, ~7% real. Balanced 60/40 portfolio: ~8% nominal, ~5% real.
How does inflation affect planning?
At 3% inflation, $50,000 today has ~$25,000 purchasing power in 24 years. This calculator uses real returns.