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intermediate4 minutesfinance

Retirement Planning Calculator

Plan retirement with compound growth projections, savings rate analysis, and break-even age estimation.

retirementsavingscompound-interestplanning

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Retirement planning is the most important long-term financial goal. This workflow projects growth, identifies required savings rates, and shows the power of early and consistent investing.

단계

1

Compound Interest Calculator

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Project retirement savings growth

프롬프트:I'm 30 with $20,000 saved. If I invest $1,000/month at 7% for 35 years, what will I have at 65?
2

Find required savings rate

프롬프트:Calculate how much I need to save monthly to reach $2 million by age 65 starting from $20,000 at 7%
3

Understand total return

프롬프트:Calculate total ROI on my retirement contributions vs final portfolio value

자주 묻는 질문

What's the 4% rule for retirement?

The 4% rule suggests you can withdraw 4% of your portfolio annually in retirement without running out. So $1 million supports ~$40,000/year in spending.

How much do I need to retire?

Multiply your desired annual spending by 25 (the inverse of 4%). Want $60,000/year? Target $1.5 million. Adjust for Social Security, pensions, and healthcare costs.

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