مجاني عبر الإنترنتالآلات الحاسبة
Retirement Calculator
Calculate how much you will have at retirement based on current savings, monthly contributions, annual return rate, and time horizon. Includes inflation adjustment.
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Projected Balance at Retirement
$1,188,181
Inflation-adjusted value: $422,260 (today's dollars)
Total Contributed
$235,000
Investment Growth
+$953,181
Years to Retire
35 years
At the 4% safe withdrawal rule, your monthly income would be $3,961/mo
الميزات الرئيسية — Retirement Calculator
Future value with compound growth
Monthly contribution modeling
Inflation-adjusted (real) value
Year-by-year balance breakdown
4% rule monthly withdrawal estimate
Customizable return and inflation rates
لماذا تستخدم هذه الأداة — Retirement Calculator
مجاني عبر الإنترنت Retirement calculatorRetirement savings calculator — للجميعسريع وسهل How much do I need to retire401k calculator — مجاني 100%مجاني عبر الإنترنت Retirement planning calculator
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الأسئلة الشائعة — Retirement Calculator
How much do I need to retire?
A common rule of thumb is to save 25× your annual expenses (the "4% rule"). If you spend $50,000/year in retirement, you need $1.25 million. The 4% rule means you can withdraw 4% of your portfolio per year with a high probability of not running out of money over a 30-year retirement.
What rate of return should I assume?
The US stock market has historically returned about 10% annually before inflation, or about 7% adjusted for inflation. A diversified portfolio of stocks and bonds might average 6–8%. Conservative estimates use 5–6%; aggressive estimates use 8–10%. Lower is safer for planning.
What is the impact of starting early?
Starting early is the most powerful factor in retirement savings due to compound interest. Contributing $300/month from age 25 to 65 at 7% return yields about $786,000. Starting at 35 with the same contribution yields about $380,000 — less than half — from just 10 fewer years of growth.