Calcolatore della pensione

Pianifica la tua pensione con fiducia. Calcola quanto devi risparmiare e vedi se sei sulla buona strada.

I tuoi dettagli

Età attuale

Andare in pensione a

Aspettativa di vita

Risparmio pensionistico attuale

Contributo mensile

Partita del datore di lavoro

Limite di corrispondenza

Ritorno pre-pensionamento

Ritorno dopo il pensionamento

Tasso di inflazione

Reddito annuo desiderato (opzionale)

Previdenza sociale prevista (mensile)

Altro reddito annuale

Enter your age, savings, contributions, and assumptions. Click Calculate to see your retirement readiness score and projected income.

Punteggio di preparazione alla pensione

In pensione

Reddito mensile

Anni da risparmiare

Ultimi fondi

Reddito pensionistico previsto (annuale)

Dal risparmio (regola del 4%)$0

Previdenza sociale$0

Altri redditi$0

Reddito annuo totale$0

Proiezione del risparmio pensionistico

Fase di accumulo

Età	Bilancia

Fase di pensionamento

Età	Bilancia

Guida per l'utente 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.

Come utilizzare questa calcolatrice

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.

Note importanti

Returns and inflation are estimates. Actual results will vary.
For education only. Not financial or investment advice.

Suggerimenti per la pianificazione pensionistica

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