Finance
Retirement Calculator: Plan Your Future
Estimate retirement needs and plan for a comfortable future.
Determine how much to save for retirement.
The 4% Rule
Withdraw 4% year one, adjust for inflation. Need 25× annual expenses.
How Much?
Need $60K/yr, $20K Social Security → $40K from savings → $40K × 25 = $1M.
Account Types
- 401(k): Pre-tax, employer match
- Traditional IRA: Tax-deferred
- Roth IRA: Tax-free growth
- HSA: Triple tax advantage
Key Factors
Social Security, healthcare, inflation, longevity.
Frequently Asked Questions
How much to retire?
25× annual expenses. $50K/yr → $1.25M.
When to start?
Early. 25 vs 35 can mean 2× at retirement.
4% rule?
Withdraw 4% year one, adjust for inflation. 95%+ success over 30 years.