Retirement Planner Tool

Plan your retirement with detailed projections and analysis

Your Retirement Profile

years
Age when you start retirement planning
years
Common retirement ages: 65-67
$
Total saved across all retirement accounts
$
/year
Include employer matches if applicable
%
Conservative: 4-6%, Moderate: 6-8%, Aggressive: 8-10%
%
Historical average is around 2-3%
$
/year
Income needed during retirement
%
Commonly 4% (the 4% rule)
$
/year
Used to calculate income replacement ratio (optional)

Detailed Projections

Retirement Scenarios

Retirement Planning Basics

The 4% Rule

Withdraw 4% of your retirement savings in the first year, then adjust for inflation each year. This has a high probability of lasting 30+ years.

Income Replacement

Aim to replace 70-85% of your pre-retirement income to maintain your standard of living.

💡 Pro Tip: Starting retirement planning early gives compound interest more time to work in your favor!

Retirement Tips

Start Early & Be Consistent
The power of compounding means starting early can significantly impact your retirement savings. Consistent contributions are key.
Maximize Employer Matching
If your employer offers a retirement plan match, contribute at least enough to get the full match - it's free money.
Diversify Your Investments
Spread your investments across different asset classes to manage risk and improve potential returns.

Frequently Asked Questions

What is the 4% rule?
The 4% rule suggests you can withdraw 4% of your retirement savings in the first year of retirement, then adjust for inflation each subsequent year.
How much should I save?
A common guideline is to save 15% of your pre-tax income for retirement. This varies based on when you start saving and your goals.
What's a good replacement ratio?
Most financial advisors recommend planning to replace 70-85% of your pre-retirement income to maintain your standard of living.

Saved Calculations

Sample Calculation
Age 35 to 65, $50K savings

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⭐ User Reviews

5
★★★★★
1 review
Mark
Nov 30, -0001
★★★★★
📌 Comprehensive retirement planning
I'm 10 years from retirement and this tool helped create realistic plan. Considers inflation, returns, expenses. Better than paid software!
⭐ 5/5 🏆 Featured