Personal Finance · 10 calculators
Retirement savings targets, income, withdrawals, safe withdrawal rates, shortfalls and early retirement.
Retirement
Will you have enough to retire? Projects savings to retirement, the nest egg you need and any monthly shortfall.
Need = income × (1 − (1 + r)⁻ⁿ)/r at reti…
Also called retirement planner · retirement savings calculator
Retirement
At what age can you retire? Finds when your savings reach your target nest egg at your current saving rate.
Find n where FV(n) ≥ target
Also called when can i retire · earliest retirement age
Retirement
Monthly income a retirement nest egg can provide over a set number of years while the balance earns a return.
Income = PV·r / (1 − (1 + r)⁻ⁿ)
Also called income from savings · retirement payout
Retirement
How big a nest egg you need for your desired retirement income, and the monthly saving to get there.
Nest egg = (income − other income) ÷ with…
Also called retirement goal calculator · how much do i need to retire
Retirement
Inflation-adjusted annual withdrawals from retirement savings: how long the money lasts and the ending balance.
Balance = (balance − withdrawal) × (1 + r…
Also called retirement drawdown · withdrawal plan
Retirement
Find the gap between projected retirement savings and what you need, and the extra saving or later retirement to fix it.
Extra PMT = gap × r / ((1 + r)ⁿ − 1)
Also called retirement gap · retirement savings gap
Retirement
How many years your retirement savings will last with fixed monthly spending and a steady return.
n = −ln(1 − B·r/P) / ln(1 + r)
Also called how long will retirement savings last · money duration
Retirement
Apply the 4% rule (or any rate) to see a sustainable first-year withdrawal and the portfolio needed for your spending.
Withdrawal = portfolio × rate
Also called 4 percent rule · swr calculator
Retirement
How early you can retire given your savings rate, investments and spending — using the savings-rate method.
Retire when investments ≥ 25 × annual spe…
Also called retire early calculator · early retirement age
Retirement
Have you reached Coast FIRE? Find the amount that, left to grow untouched, funds retirement at your target age.
Coast number = FIRE number ÷ (1 + r)^(yea…
Also called coast fire number · coast retirement calculator
| Retirement | Need = income × (1 − (1 + r)⁻ⁿ)/r at retirement (real return) |
|---|---|
| Retirement Age | Find n where FV(n) ≥ target |
| Retirement Income | Income = PV·r / (1 − (1 + r)⁻ⁿ) |
| Nest Egg | Nest egg = (income − other income) ÷ withdrawal rate |
| Retirement Withdrawal | Balance = (balance − withdrawal) × (1 + r); withdrawal grows with inflation |
| Retirement Shortfall | Extra PMT = gap × r / ((1 + r)ⁿ − 1) |
| Retirement Duration | n = −ln(1 − B·r/P) / ln(1 + r) |
| Safe Withdrawal Rate | Withdrawal = portfolio × rate |
| Early Retirement | Retire when investments ≥ 25 × annual spending |
| Coast FIRE | Coast number = FIRE number ÷ (1 + r)^(years to retirement) |