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Formula & explanation
Retirement Calculator uses the following calculation:
This is a simplified model intended for planning and education. Real-world offers from lenders, institutions, or tax authorities may include additional fees, rules, or adjustments not reflected here.
Frequently asked questions
How much should I save for retirement?
A common rule of thumb targets 10–15% of income, but the right number depends on your desired lifestyle, retirement age, and other income sources like Social Security.
What return rate should I assume?
Many long-term planners use 6–8% for diversified stock/bond portfolios, though actual returns vary significantly year to year.
Does this account for inflation?
No — this shows nominal future dollars; consider reducing your assumed return by expected inflation to see purchasing power in today's dollars.