Retirement Target Calculator
Use the 4% rule as a quick retirement planning shortcut. Enter a portfolio amount, a target monthly income and a withdrawal rate to see both the income estimate and the required portfolio.
Calculation runs in your browser — your inputs never leave the device.
Your inputs
Takes ~ 1 minuteYour result
Fill in the fields above and click Calculate — your personalised plan appears here in a moment.
How the retirement target works
The calculator uses a simple withdrawal-rate rule: portfolio × withdrawal rate ÷ 12 gives an estimated monthly income. The reverse calculation multiplies target monthly income by 12 and divides by the withdrawal rate.
What this does not cover
This is a planning shortcut, not a retirement plan. It does not model taxes, fees, pension income, sequence-of-returns risk, inflation changes or country-specific rules.
Plain-language notes
Use this section if the finance words on the page are new to you. The calculator is meant to support a decision, not to reward perfect terminology.
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Withdrawal rate: the share of a portfolio taken out each year. A small change can strongly affect retirement runway.
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Compound interest: growth earned on earlier growth. Time matters because the later years can do more work.
What to compare
Compare at least two scenarios before trusting the first answer. A useful result should tell you what changes if income, costs, rates, or timing move.