PakFinanceGuidesA long-range estimate
Enter your age, planned retirement age, current savings and monthly contribution. The calculator projects your pot and then shows what it might be worth after inflation.
How it works
It grows your savings and monthly deposits at the return you choose, using the compound interest formula. Dividing by (1 + inflation)^years gives the figure in today's money. A 4% withdrawal estimate is shown as a common rule of thumb for yearly income.
Example
Age 30, retiring at 65, with $20,000 saved and $500 added monthly at 6.5% builds roughly $994,000. After 2.5% inflation that is closer to $419,000 in today's purchasing power, and a 4% yearly withdrawal would be around $39,700 in future money.
Moves that help
Start early, raise contributions with every pay rise, claim any employer match, and keep fees low. Different countries use different accounts, such as workplace pensions, IRAs, 401(k)s, RRSPs, TFSAs or super funds.
Limits
Returns are uncertain, and the 4% rule is only a guide. Speak to a qualified adviser for personal planning.
Frequently asked questions
Is 4% a safe withdrawal rate?
It is a popular starting point, not a guarantee. Markets and lifespans vary.
Why show inflation-adjusted money?
Because a future dollar buys less than a dollar today.
What return should I assume?
A cautious long-term figure, and test a lower one as well.