How it works
The target is annual spending divided by the withdrawal rate; the time to reach it comes from growing current savings while adding the yearly amount.
Example
Spending $48,000 at a 4% withdrawal rate needs $1,200,000, about 17.3 years away from $120,000 while saving $30,000 a year at 6%.
This tool is for estimation and education, not financial, tax, or legal advice.
Frequently asked questions
Do these tools use live market data?
No. Nothing is fetched; you enter the prices, rates, and assumptions yourself.
Does the calculator send my numbers anywhere?
No. The calculation runs locally in your browser.
Are projected returns guaranteed?
No. A projection repeats the rate you entered every year, which real markets never do.
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