Kalkulator Persaraan

Rancang persaraan anda dengan yakin. Kira jumlah yang anda perlu simpan dan lihat jika anda berada di landasan yang betul.

Butiran Anda

Umur Semasa

Bersara Pada

Jangka Hayat

Simpanan Persaraan Semasa

Caruman Bulanan

Padanan Majikan

Had Perlawanan

Pulangan Sebelum Bersara

Pulangan Selepas Bersara

Kadar Inflasi

Pendapatan Tahunan yang Diingini (pilihan)

Jangkaan Jaminan Sosial (Bulanan)

Pendapatan Tahunan Lain

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

Skor Kesediaan Persaraan

Pada Persaraan

Pendapatan Bulanan

Tahun untuk Simpan

Dana Terakhir

Unjuran Pendapatan Persaraan (Tahunan)

Daripada Simpanan (4% peraturan)$0

Keselamatan Sosial$0

Pendapatan Lain$0

Jumlah Pendapatan Tahunan$0

Unjuran Simpanan Persaraan

Fasa Pengumpulan

Umur	Baki

Fasa Persaraan

Umur	Baki

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.

Nota Penting

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

Tips Merancang Persaraan

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