All amounts are in today's dollars — inflation is already accounted for, so the numbers stay meaningful.
Volatility only affects the Monte Carlo simulation.
Income target withdraws whatever tops you up to your desired income. The 4% rule withdraws 4% of your retirement-day balance each year, inflation-adjusted.
This retirement calculator projects your nest egg from current savings, ongoing contributions, expected return, and your target retirement age, then draws it down against your spending. Everything is shown in today's dollars, so inflation is already accounted for.
The calculator projects your balance to retirement from current savings, contributions, and expected return, then draws it down against your spending through your life expectancy. Everything is shown in today's dollars, so inflation is already removed. The Monte Carlo mode replaces the single fixed return with hundreds of randomized market histories to estimate the probability your money lasts.
A common starting point is 25 times your annual spending, which supports a roughly 4% withdrawal rate. The calculator lets you test your own numbers.
Inflation-adjusting every figure keeps them intuitive: a projected balance in today's dollars tells you what it would actually buy now, not an inflated future number.
The classic guideline is about 4% of the starting balance per year, adjusted for inflation, though a lower rate adds safety for long retirements.
A common rule of thumb is 25 times your annual spending, which supports roughly a 4% withdrawal rate. The calculator lets you pressure-test that against your own numbers and a market-risk simulation.
The classic guideline is about 4% of your starting balance per year, adjusted for inflation. Lower rates add safety for long retirements; the Monte Carlo mode shows the success odds at your chosen rate.
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