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Retirement calculator

Grow what you have, add what you save, then test a 4% withdrawal. Not a pension promise.

기본값은 내 지역입니다. 다른 척도와 비교하려면 전환하세요.

Project pot, withdraw 4% in year one.

결과

₩0

Projected nest egg

  • Year-1 withdrawal₩0
  • That, per month₩0

Sequence risk is real

The 4% rule is a US historical heuristic, not a guarantee. Pensions, CPF/NPS annuity, and Sozialversicherung are separate.

공식

  • Nest egg = FV(current, monthly, return, years to retire)
  • Year-1 income ≈ nest egg × withdrawal rate

계산 방법

  1. Set current savings, monthly add, return, and years to retire.
  2. Grow the pot with monthly compounding.
  3. Multiply by the withdrawal rate for a year-one paycheck check.

자주 묻는 질문

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.

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