The 4% rule (Bengen Rule) suggests you can withdraw 4% of your retirement portfolio per year with a high probability of not running out of money over a 30-year retirement. Divide your balance by 25 to get the same number.

How is inflation adjustment calculated?

The future balance is divided by (1 + inflation rate)^years to express it in today's purchasing power, showing the real value of your savings.

What return rate should I use?

Historically, a diversified stock portfolio has returned about 7–10% annually before inflation. A conservative estimate of 6–7% is commonly used for planning.

Does this include Social Security?

No, this calculator focuses on personal savings and investments. Add expected Social Security benefits to the monthly income estimate separately.

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Retirement Calculator

Project your retirement savings with compound growth, inflation adjustment, and a 4% rule income estimate.

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このツールについて

Plan your retirement with confidence. Enter your current age, target retirement age, existing savings, monthly contribution, expected annual return, and inflation rate to see your projected portfolio balance at retirement. View the inflation-adjusted real value of that balance and estimate monthly income using the 4% safe withdrawal rule. An animated SVG bar chart shows year-by-year portfolio growth, distinguishing between contributions and investment gains. All calculations run entirely in your browser.

使い方

1 Enter your current age and target retirement age.
2 Input your current savings and monthly contribution amount.
3 Set your expected annual return rate and inflation rate.
4 Click Calculate to see projected balance and monthly income.
5 Review the animated bar chart showing year-by-year growth.

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