Retirement Savings Calculator
Plan your retirement savings with compound interest projections. Calculate how much you need to save monthly to reach your retirement goal.
예시 계산
기본값: principal: 10,000 | rate: 7 | years: 30 | monthly: 500
최종 금액
$691,150
총 투자액
$190,000
이자 수익
+$501,150
Planning for retirement is one of the most important financial decisions you will make. The power of compound interest means that starting early can dramatically increase your retirement fund. Even small monthly contributions grow significantly over decades.
팁
- 1Start saving as early as possible — even small amounts compound significantly over 30+ years.
- 2Aim to save at least 15% of your pre-tax income for retirement.
- 3Take full advantage of employer 401(k) matching — it is essentially free money.
- 4Increase your contributions by 1% each year to accelerate growth.
- 5Consider a mix of stocks and bonds appropriate for your age and risk tolerance.
자주 묻는 질문
How much do I need to retire comfortably?
A common rule of thumb is to have 25 times your annual expenses saved by retirement age. For example, if you spend $40,000 per year, aim for $1,000,000 in retirement savings.
What is a realistic rate of return for retirement savings?
Historically, a diversified stock portfolio has returned about 7% annually after inflation. A balanced portfolio of stocks and bonds might return 5-6%. Use conservative estimates for planning.
When should I start saving for retirement?
As early as possible. Starting at age 25 instead of 35 can nearly double your retirement fund due to compound interest, even with the same monthly contribution.
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