Wealth Analytics • Retirement Planning
Retirement Savings Calculator
Will you have enough? This free retirement calculator projects your nest egg from your age, current savings, and monthly contributions — then translates it into safe monthly income with the 4% rule, so your retirement planning runs on real numbers.
1. Nominal APY vs. Real Post-Inflation Yield
A common pitfall in yield farming and staking is prioritizing high nominal APY percentages without factoring in baseline network token inflation. For instance, if a network offers 14% nominal staking rewards but dilutes circulating supply by 10% annually, your real purchasing power expansion is only ~3.6%.
2. Liquid Staking Derivatives (LSTs) & Capital Efficiency
Liquid staking protocols (such as Lido stETH, Rocket Pool rETH, and JitoSOL) allow institutional participants to maintain yield generation while retaining liquidity for DeFi lending and liquidity provision. However, LSTs introduce smart contract and depeg risk that must be modeled into portfolio variance.
How Retirement Savings Grow
Retirement planning is compound interest with a deadline. The calculator above projects your nest egg from three inputs that matter most: time, contributions, and return — in that order of importance.
The 4% rule
A common guideline: you can safely withdraw ~4% of your portfolio yearly in retirement. A $1M nest egg ≈ $40,000/year or $3,333/month. The calculator shows this monthly figure so you can sanity-check it against your expected expenses.
Why starting early dominates
$500/month from age 25 to 65 at 7% ≈ $1.2M. Start at 35 instead and you get ≈ $540,000 — less than half, from only 10 fewer years. Time is the highest-leverage variable in retirement planning.
Accounts that help (US)
- 401(k): employer plan, often with matching contributions — free money; contribute at least to the match.
- IRA / Roth IRA: tax-advantaged individual accounts; Roth uses after-tax dollars for tax-free withdrawals.
Outside the US, equivalents exist in most countries (UK SIPPs/ISAs, Canadian RRSPs, Australian super). The math is universal; the tax wrappers are local.
Retirement Calculator — Frequently Asked Questions
How much do I need to retire?
A common rule: 25× your annual expenses (the inverse of the 4% rule). Spending $50,000/year means targeting ~$1.25M. Enter your numbers above for a personalized projection.
What is the 4% rule?
Withdrawing 4% of your portfolio in year one, then adjusting for inflation, has historically lasted 30+ years. It is a guideline, not a guarantee — many planners now use 3.5–4%.
401(k) vs IRA — which first?
Generally: 401(k) up to the employer match (free money), then max an IRA/Roth IRA, then back to the 401(k). Tax situations vary; this is the standard order of operations.
How does inflation affect my plan?
At 3% inflation, prices double every ~24 years. A $1M target in 30 years buys what ~$400,000 buys today. Consider targeting a "real" (inflation-adjusted) figure.
What is the FIRE movement?
Financial Independence, Retire Early: aggressive saving (50%+ of income) to retire decades early. The math is the same as above — FIRE just maximizes the contribution variable.