Retirement calculator
Grow what you have, add what you save, then test a 4% withdrawal. Not a pension promise.
الافتراضي لمنطقتك. بدّل للمقارنة مع مقاييس أخرى.
Project pot, withdraw 4% in year one.
النتيجة
٠٫٠٠ ر.س.
Projected nest egg
- Year-1 withdrawal٠٫٠٠ ر.س.
- That, per month٠٫٠٠ ر.س.
Sequence risk is real
The 4% rule is a US historical heuristic, not a guarantee. Pensions, CPF/NPS annuity, and Sozialversicherung are separate.
الصيغة
Nest egg = FV(current, monthly, return, years to retire)Year-1 income ≈ nest egg × withdrawal rate
كيف تُحسب
- Set current savings, monthly add, return, and years to retire.
- Grow the pot with monthly compounding.
- Multiply by the withdrawal rate for a year-one paycheck check.
أسئلة
Should Indians use 4%?
Inflation and equity mix differ. Use the rate as a lever, not a law. NPS has its own annuity purchase rules at 60.