Calculadora de jubilación
Planifique su jubilación con confianza. Calcule cuánto necesita ahorrar y vea si va por buen camino.
Tus detalles
Enter your age, savings, contributions, and assumptions. Click Calculate to see your retirement readiness score and projected income.
Puntuación de preparación para la jubilación
0
En la jubilación
$0
Ingreso Mensual
$0
Años para ahorrar
0
Últimos fondos
0
Ingresos de jubilación proyectados (anual)
Proyección de ahorro para el retiro
Fase de acumulación
| Edad | Balance |
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Fase de jubilación
| Edad | Balance |
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Guía de usuario completa
What is Retirement Readiness?
Retirement readiness measures whether your projected savings and income can support your desired lifestyle in retirement. This calculator projects your balance at retirement using your contributions and assumed returns, then estimates how long your funds will last with inflation-adjusted withdrawals. The 4%% rule suggests you can withdraw about 4%% of your nest egg annually.
What Your Results Mean
Readiness Score
Compares your projected income (savings withdrawal + Social Security + other) to your desired income. 80+ is on track, 60–80 needs attention, below 60 is at risk.
At Retirement & Funds Last
Projected balance when you retire, and how many years your savings last with withdrawals. If funds last through life expectancy, you're in good shape.
Cómo utilizar esta calculadora
- Enter your current age, retirement age, and life expectancy
- Enter current savings and monthly contribution (include employer match % and limit)
- Set pre- and post-retirement return and inflation (e.g. 7%%, 5%%, 3%%)
- Optionally enter desired annual income and expected Social Security/other income
- Click Calculate to see readiness score, projected balance, and income
The 4% Rule
Withdraw 4% of your retirement balance in the first year, then adjust for inflation each year. This strategy is designed to make your money last about 30 years. Your sustainable withdrawal in the results uses this rate.
Notas importantes
- Returns and inflation are estimates. Actual results will vary.
- For education only. Not financial or investment advice.
Consejos para la planificación de la jubilación
- Contribute enough to get your full employer match
- Aim to save 10–15% of income; increase by 1% each year if you can
- Consider delaying Social Security to age 70 for higher benefits