Question 1

How much do I need to retire?

Accepted Answer

Estimate annual spending in retirement, subtract guaranteed income, and solve for the savings needed to cover the gap with withdrawals.

Question 2

What withdrawal rate is safe?

Accepted Answer

A 4% starting withdrawal is a common rule of thumb; adjust for horizon, risk tolerance, and market conditions.

Question 3

How do taxes and inflation factor in?

Accepted Answer

Model pre/post-tax accounts separately and apply an inflation rate to see real purchasing power.

Question 4

Should I prioritize contributions or paying debt?

Accepted Answer

High-interest debt typically comes first; contribute at least enough to capture employer matching.

Question 5

Can I retire early?

Accepted Answer

Increase savings rate, reduce expenses, and invest efficiently; the calculator shows how changes shift your timeline.

Retirement Calculator