퇴직금 계산기

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귀하의 세부 정보

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

전체 사용자 가이드

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.

이 계산기를 사용하는 방법

  1. Enter your current age, retirement age, and life expectancy
  2. Enter current savings and monthly contribution (include employer match % and limit)
  3. Set pre- and post-retirement return and inflation (e.g. 7%%, 5%%, 3%%)
  4. Optionally enter desired annual income and expected Social Security/other income
  5. 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.

중요 사항

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

은퇴 계획 팁

  • 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

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