Financial Calculator
Your Retirement Number
How much do you need to retire? Based on your expenses & safe withdrawal rate.
Your Retirement Expenses
Annual Expenses
in today's dollars
$
Social Security / Pension
annual, if any
$
Inflation Rate
%
Retirement Duration
years in retirement
Your Savings Path
Current Savings
$
Monthly Savings
$
Expected Return
pre-retirement, annual
%
Portfolio Return
in retirement, annual
%
Safe Withdrawal Rate
The classic 4% rule (Bengen, 1994) suggests a 4% annual withdrawal has historically survived 30-year retirements.
Your Retirement Number
—
needed at retirement to cover your expenses
—
Years to Retire
—
at current savings rate
Gap / Surplus
—
vs. target at retirement
Monthly Need
—
to hit target in years shown
Annual Withdrawal
—
from portfolio in yr 1
Withdrawal Rate Scenarios
Savings Trajectory to Retirement
Projected Savings
Retirement Target
Portfolio During Retirement (Drawdown)
Portfolio Balance
Annual Withdrawal
For educational purposes only. The 4% rule is a guideline, not a guarantee. Consult a financial advisor.