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Retirement Calculator

Plan your path to financial independence

The 4% Rule

The 4% rule is a commonly used guideline suggesting retirees can withdraw 4% of their portfolio annually without running out of money over a 30-year retirement.

Example: $1,000,000 retirement portfolio

Annual withdrawal: $1,000,000 × 4% = $40,000
Monthly income: $40,000 ÷ 12 = $3,333

This is a general guideline based on historical data. Individual circumstances vary. For educational purposes only.

Retirement Milestones

Age 30: Have 1x annual salary saved ~$60K
Age 40: Have 3x annual salary saved ~$180K
Age 50: Have 6x annual salary saved ~$360K
Age 60: Have 8x annual salary saved ~$480K
Age 67: Have 10x annual salary saved ~$600K

These are general benchmarks assuming $60K salary. Individual goals vary based on lifestyle and expenses.

Accelerate Your Retirement

Active trading can potentially accelerate wealth building, but requires skill and discipline.

Traditional Investing

7-10% annual returns
Passive, low maintenance
Long time horizon

Active Trading

Potential for higher returns
Requires time and skill
Higher risk

Many investors use a combination: core portfolio for retirement + trading account for growth. For educational purposes only.

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