Retirement Fund Calculator (FIRE Calculator)
Calculate your retirement savings needed. Analyze 4 different scenarios. Plan your path to Financial Independence, Retire Early.
4% Rule · Inflation · Asset Depletion Simulation!
📝 Basic Information
⚙️ Advanced Settings
💡 Calculation Info
- 4% Rule: Withdraw 4% of retirement funds annually, and they can last 30+ years (Trinity Study)
- Inflation Rate: US long-term average: 2.5% (adjustable)
- Investment Return: Based on 7% balanced portfolio (60% stocks + 40% bonds)
- Post-Retirement Return: Based on 5% conservative portfolio
⚠️ This calculator is for reference only. Consult with a financial advisor for actual retirement planning.
Retirement Planning Guide
Impact of Inflation
If you need $3,000/month now, you'll need $6,300/month in 30 years. With 2.5-3% average annual inflation, everyday prices will more than double.
💡 You must account for inflation in retirement planning to maintain purchasing power.
4% Rule (Trinity Study)
According to Trinity University's 70-year data analysis, "withdrawing 4% of retirement funds annually allows them to last 30+ years without depletion."
💡 Using a conservative 3.33% withdrawal rate (30x multiplier) enables safer retirement planning.
Retirement Strategy by Age
⚠️ ⚠️ Delaying 10 years requires 2x+ investment to achieve the same result!
Post-Retirement Asset Management
Even after retirement, conservatively managing assets can defend against inflation and extend fund longevity.