Retirement Planning Calculator

4% Safe Withdrawal Rule: Withdraw 4% of your portfolio annually, adjusted for inflation. Historically provides 30+ years of retirement income with low failure rate.

Expected Return: Historical stock market returns average 10%, but 7% is conservative after inflation. Bond-heavy portfolios may use 5-6%.

Tax Considerations: This calculator uses pre-tax projections. Roth accounts provide tax-free withdrawals; traditional accounts are taxed at ordinary income rates.