Калькулятор Пенсійних Накопичень – Плануйте Майбутнє

Як користуватися цим калькулятором

1. Введіть Current Age
2. Введіть Retirement Age
3. Введіть Current Savings (₴)
4. Введіть Monthly Savings (₴)
5. Введіть Expected Return (%)
6. Натисніть кнопку Розрахувати
7. Прочитайте результат, відображений під калькулятором

How Much Do You Need to Retire?

The most widely cited rule is the 4% rule: you can withdraw 4% of your portfolio per year in retirement without running out of money for 30 years. This means you need 25× your annual expenses saved (1 / 4% = 25).

If you need 2,000,000 ₴/year in retirement, you need 50,000,000 ₴. If you need 3,200,000 ₴/year, you need 80,000,000 ₴. Adjust for any pension or Social Security income you will receive — only count the gap you need to fill from savings.

The Impact of Starting Early

The single most powerful retirement lever is time. Starting at 25 vs 35 with the same monthly contribution at 7% return produces dramatically different results by age 65: starting at 25 gives you 40 years of compounding; starting at 35 gives you 30. The 10-year difference roughly doubles the final portfolio value.

Contributing the maximum to tax-advantaged accounts (401k, IRA, Roth IRA, pension) should always be the first priority — the tax savings alone are significant.

Key Retirement Planning Variables

Savings rate: Aim for 15–20% of gross income including employer match. Expected return: 6–7% real return (after inflation) for a balanced portfolio. Retirement age: Each year earlier requires significantly more savings. Withdrawal rate: The 4% rule assumes 30 years of retirement — if you retire at 55, consider 3.5% to be safe. Inflation: Your expenses will roughly double every 24 years at 3% inflation — account for this.