Phần hướng dẫn bên dưới chưa có bằng tiếng Việt nên được hiển thị bằng tiếng Anh. Bản thân máy tính đã được dịch đầy đủ.
Cách sử dụng máy tính này
- Enter your current age, planned retirement age and a conservative life expectancy (planning to 90 or 95 is common).
- Enter current retirement savings and how much you contribute each month, plus any yearly increase.
- Set expected returns before and during retirement, and an inflation rate.
- Enter the yearly income you want in retirement in today's money, and other income such as a pension or social security.
Công thức
Savings grow at the pre-retirement return with yearly contributions. The amount needed at retirement is the present value of withdrawals that rise with inflation each year, discounted at the post-retirement return.
Need at retirement = W₁ × (1 − q^N) / (1 − q), with q = (1 + inflation) / (1 + return)
W₁ = (desired − other income) × (1 + inflation)^(years to retirement)
Example
- Age 35, retiring at 65, saving $800/month (rising 2% a year) with $50,000 today at 6%.
- You want $60,000 a year in today's money and expect $20,000 from other sources, so savings must fund $40,000 a year (in today's money) for 25 years.
- The calculator compares your projected balance with the amount needed and shows any shortfall.
Câu hỏi thường gặp
What is the 4% rule?
A guideline from US historical market data: withdrawing about 4% of savings in the first year, then adjusting for inflation, has historically lasted around 30 years. It is a rough rule, not a guarantee.
Why use different returns before and after retirement?
Many people shift towards lower-risk, lower-return investments as they approach and enter retirement.
Are taxes included?
No. Enter your desired income as a pre-tax amount if withdrawals will be taxed, or adjust it for your tax situation.