Your Details
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In today's dollars
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Retirement Status
On Track
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Projected savings at retirement
Years Until Retirement
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Monthly Income Possible
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Goal Analysis
Target Nest Egg (4% Rule)
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Progress
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Savings Gap/Surplus
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Years Money Will Last
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Recommendation
Suggested Monthly Contribution
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Savings Projection
Build Your Retirement Plan
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Planning for Retirement
Retirement planning involves estimating how much money you'll need to maintain your lifestyle when you stop working, and creating a strategy to accumulate that amount.
The 4% Rule
The 4% rule suggests you can withdraw 4% of your retirement savings annually without running out of money for at least 30 years. This means you need 25x your desired annual income saved.
Example: $5,000/month = $60,000/year → Need $1,500,000 (60K × 25)
Factors That Affect Your Plan
- Time horizon - The longer you have, the more compound growth helps
- Savings rate - Higher contributions accelerate your progress
- Investment returns - Higher returns (with more risk) can reduce required savings
- Inflation - Reduces the purchasing power of your savings over time