Retirement Calculator
Calculate how much you need to retire comfortably based on the 4% rule.
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Frequently Asked Questions
What is the 4% rule?
The 4% rule suggests you can safely withdraw 4% of your retirement savings each year without running out of money. This means you need 25x your annual expenses saved.
Does this calculator include taxes?
No, this is a simplified estimate. Your actual retirement needs depend on tax rates, healthcare costs, and lifestyle changes. Consult a financial advisor for personalized advice.
How can I catch up if I have a retirement shortfall?
Increase your monthly savings, delay retirement by a few years, reduce future expenses, or pursue higher-return investments. Even small increases in savings rate can significantly close the gap over time.