Finance
Retirement Calculator
Project your retirement balance and the annual income it could support.
Result
The withdrawal rate is a planning convention, not a guarantee. It comes from historical studies of US portfolios and assumes a diversified mix and a roughly 30-year retirement. This is not financial advice; talk to a licensed adviser before acting on it.
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About this calculator
What is the 4% rule?
A rule of thumb suggesting you can withdraw 4% of your starting balance annually, adjusted for inflation, with a reasonable chance of the money lasting about 30 years. It is a starting point for planning, not a promise.
I own a contracting business. Does that count?
Only if you can actually sell it. Many owner-operated trade businesses are worth far less without the owner in them, which is why the business valuation calculator is worth running alongside this.
What if I start late?
Contribution amount has to do more of the work when there is less time for compounding. Raise the monthly figure and see how much of the gap it closes.
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