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The 4% rule is a retirement planning guideline that suggests you can withdraw 4% of your retirement savings in the first year, then adjust that amount for inflation each subsequent year, with a high probability your money will last 30 years.
Note: The 4% rule is a guideline based on historical market performance. Your actual results may vary based on market conditions, expenses, and longevity.
We believe in full transparency. All calculations and data used in this calculator are based on official sources:
Official life expectancy data for retirement planning
Academic research on sustainable retirement withdrawal rates
Historical investment return data
A common rule is the "25x rule": multiply your annual expenses by 25. If you need $50,000/year, aim for $1.25 million. Another approach is the "80% rule": plan for 80% of pre-retirement income. Actual needs vary based on lifestyle, healthcare, and longevity.
The 4% rule suggests withdrawing 4% of your retirement savings in year one, then adjusting for inflation annually. This historically provides a 30-year retirement with minimal risk of running out of money. However, recent studies suggest 3-3.5% may be safer.
Start as early as possible. Due to compound interest, money invested at age 25 grows far more than the same amount at 45. Even small contributions early on have outsized impact. It's never too late to start, but earlier is always better.
Social Security provides supplemental retirement income but typically replaces only 40% of pre-retirement income. You can start benefits at 62 (reduced) or wait until 70 (increased). Plan your retirement savings assuming Social Security is a bonus, not your primary income.
Generally, contribute enough to get employer 401(k) match (it's free money), then pay off high-interest debt (>6-7%), then max retirement accounts. Low-interest debt (like mortgages) can be paid off slowly while you invest for higher returns.
Have more questions? These calculators provide estimates for educational purposes only. For personalized financial advice, consult with a qualified financial professional. See our disclaimer for more information.