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退休计算器

Plan your retirement life, 计算 required savings, and ensure financially secure retirement planning

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退休计算器
Plan your retirement life, 计算 required savings, and ensure financially secure retirement planning

Personal 信息

Provide your 基本信息 to help us 计算 your retirement plan

年龄 信息

Your 当前年龄 (年)

The 年龄 at which you want to retire

Your expected lifespan (年), average is about 78 年

收入 信息

Your 电流 annual pre-tax 收入

Calculation 概览

年 to retirement:35 years
年 in retirement:20 years
每月 收入:$41,667
Quick 概览
当前年龄30 年
退休年龄65 年
年 to retirement35 年
Desired 每月 收入¥15,000
当前储蓄¥100,000
每月 savings¥3,000
Retirement Planning 提示

💡 Professional advice:

  • • 推荐 savings rate not less than 10-15% of annual 收入
  • • 推荐 retirement 收入 replacement rate 70-80%
  • • Consider the impact of inflation on purchasing power
  • • Regularly review and adjust retirement plan
  • • Diversify investments to reduce risk

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Retirement Savings Projection

Projected retirement savings growth chart showing accumulation and withdrawal phases
Visualize your retirement savings growth from now until your expected lifespan
Retirement projection method
The projection combines future value, recurring contributions, inflation-adjusted income needs, and estimated retirement spending years.
Future savings = current savings x (1 + r)^y
Future contributions = monthly contribution x (((1 + r/12)^(12y) - 1) / (r/12))
Inflation-adjusted monthly need = desired monthly income x (1 + i)^y
Estimated gap = projected retirement need - projected retirement resources
r
Pre-retirement return
Expected annual return before retirement.
i
Inflation rate
Expected annual inflation rate.
y
Years to retirement
Retirement age minus current age.
How this retirement calculator works
The calculator is a planning model. It helps compare assumptions but cannot determine whether a retirement plan is sufficient for every real-world outcome.
  1. Project current retirement savings forward using the assumed pre-retirement return.
  2. Project monthly contributions as an ordinary recurring contribution stream.
  3. Inflation-adjust the desired monthly retirement income to the retirement date.
  4. Estimate retirement-year resources and compare them with desired spending and expected benefit assumptions.

Important notes

  • Taxes, fees, account type, sequence-of-returns risk, healthcare costs, pensions, public benefits, and market volatility can materially change the outcome.
  • Small changes in return, inflation, retirement age, or monthly spending can create large differences over decades.
  • Review assumptions regularly and compare this estimate with advice from a qualified financial professional.