Retirement calculator
Grow what you have, add what you save, then test a 4% withdrawal. Not a pension promise.
Vaikimisi teie piirkond. Vahetage, et võrrelda teisi skaalasid.
Project pot, withdraw 4% in year one.
Tulemus
0,00 €
Projected nest egg
- Year-1 withdrawal0,00 €
- That, per month0,00 €
Sequence risk is real
The 4% rule is a US historical heuristic, not a guarantee. Pensions, CPF/NPS annuity, and Sozialversicherung are separate.
Valem
Nest egg = FV(current, monthly, return, years to retire)Year-1 income ≈ nest egg × withdrawal rate
Kuidas arvutatakse
- Set current savings, monthly add, return, and years to retire.
- Grow the pot with monthly compounding.
- Multiply by the withdrawal rate for a year-one paycheck check.
Küsimused
Should Indians use 4%?
Inflation and equity mix differ. Use the rate as a lever, not a law. NPS has its own annuity purchase rules at 60.