Kalkulator Pensiun
Rencanakan masa pensiun Anda dengan percaya diri. Hitung berapa banyak yang perlu Anda hemat dan lihat apakah Anda berada di jalur yang benar.
Detail Anda
Enter your age, savings, contributions, and assumptions. Click Calculate to see your retirement readiness score and projected income.
Skor Kesiapan Pensiun
0
Saat Pensiun
$0
Pendapatan Bulanan
$0
Bertahun-tahun untuk Dihemat
0
Dana Terakhir
0
Proyeksi Pendapatan Pensiun (Tahunan)
Proyeksi Tabungan Pensiun
Fase Akumulasi
| Usia | Keseimbangan |
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Fase Pensiun
| Usia | Keseimbangan |
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Panduan Pengguna Lengkap
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.
Cara Menggunakan Kalkulator Ini
- 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.
Catatan Penting
- Returns and inflation are estimates. Actual results will vary.
- For education only. Not financial or investment advice.
Tips Perencanaan Pensiun
- 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