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Retirement Calculator
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How it is calculated
- Each year: balance × (1 + return) + 12 × monthly contribution
- Real (today's dollars) value = nominal ÷ (1 + inflation)^years
- Sustainable income ≈ balance × withdrawal rate
Projections are illustrations, not guarantees. Taxes and fees are not included unless stated.
FAQ
How much do I need to retire?
A common rule of thumb is 25× your annual spending (the 4% rule). If you need $50,000 a year from savings, aim for about $1.25 million in today's dollars, less any pension or Social Security income.
What return should I assume?
Long-run US stock returns have averaged roughly 10% nominal (about 7% after inflation), but a diversified portfolio with bonds usually earns less. Many planners use 5–7% nominal to be conservative.
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