Retirement Planner - Retirement Fund Planning
Calculate retirement savings needed, monthly contributions, projected income, and withdrawal rate. Finance calculator for retirement planning, FIRE movement, pension planning, and Social Security optimization. Supports inflation-adjusted projections.
Retirement Fund Target
Target = (Annual Expenses × Years) / Withdrawal RateVariables:
- TargetRetirement fund target ($)Retirement fund target ($)
- Annual ExpensesAnnual expenses during retirementAnnual expenses during retirement
- YearsLength of retirement (years)Length of retirement (years)
- WRWithdrawal Rate (4% common)Withdrawal Rate (4% common)
How to Use the KalkuLab Retirement Planner
- 1
Enter Annual Expenses
Enter your expected annual retirement spending.
- 2
Set Withdrawal Rate
Enter the safe withdrawal rate (commonly 4%).
- 3
Set Retirement Duration
Enter how many years you expect to draw from the portfolio.
- 4
View Target
See the portfolio size needed to fund retirement.
Examples
Retirement at Age 60
Problem:
Expenses = $120,000/year, WR = 4%, 20-year retirement. What is the target?
Solution:
- 1.Target = (120,000 × 20) / 0.04
- 2.Target = $60,000,000
Result:Target = $60,000,000
$60 million is needed for a 20-year retirement at a 4% withdrawal rate.
Frequently Asked Questions
What is the 4% rule?
The 4% rule suggests withdrawing 4% of your portfolio annually, which historically allows funds to last 30+ years.
When should I start saving for retirement?
The earlier the better. Ideally start in your 20s or 30s to benefit from compound growth.