Four Percent Rule Retirement Calculator

Retirement Calculator

Current Age:

Retirement Age:

Current Assets:

Add:

Social Security Pension 1 Pension 2 SS (Spouse) Cash Benefit 1 Cash Benefit 2 Inheritance College Child 1 College Child 2 College Child 3 Home/Real Estate

# of Retirement Years:

Contributions

Yearly Contribution:

Yearly % Increase:

Portfolio Returns

Manual Returns/Inflation Historical Returns since 1871

Inflation:

Enter the expected % return for your Equities investments:

Pre-Retirement % Return:

Post-Retirement % Return:

Enter the expected % return for your Fixed Income investments:

Fixed % Return:

Portfolio Allocation

% in Equities:

% in Fixed Income:

Calculate Fixed Income investment return using:

1/yr Interest Rate 10/yr Interest Rate

Retirement Spending Turn on Advanced (2 period) mode

Using '4% Rule' Using Specified Withdrawal

First Year Expenses:

Adjust Expenses for Inflation? Check if you enter expenses in today's dollars.

% of Portfolio to withdraw:

Age Range: to

Retirement Spending (Period 2)

Using '4% Rule' Using Specified Withdrawal

First Year Expenses:

Adjust Expenses for Inflation?

% of Portfolio to withdraw:

Age Range: to

Social Security

Starting Age:

Enter your expected Social Security yearly payment in today's dollars. This will be adjusted for inflation.

Yearly Amount:

Social Security (Spouse)

Starting Age:

Enter your spouse's expected Social Security yearly payment in today's dollars.

Yearly Amount:

Pension 1

Starting Age:

Yearly Amount:

% Cost of Living Increase:

Pension 2

Starting Age:

Yearly Amount:

% Cost of Living Increase:

One-Time Cash Benefit 1

Age Received:

Amount:

One-Time Cash Benefit 2

Age Received:

Amount:

Leave Inheritance

How much would you like to leave to your kids? The simulation will show a failure if your portfolio drops beneath the amount specified.

Amount to Leave:

College Child 1

Start Paying Age:

Tuition Payment:

# of Years:

College Child 2

Start Paying Age:

Tuition Payment:

# of Years:

College Child 3

Start Paying Age:

Tuition Payment:

# of Years:

Home/Real Estate

Current Home Value:

Appreciation %:

Current Home Equity:

Years Until Paid Off: