Retirement Calculator
Adjust each stage to see your wealth grow.
Your starting point
Current age
-
20
yrs
+
Retirement age
-
65
yrs
+
Monthly investment by life stage
Assumptions
Annual return rate
-
7
%
+
Inflation rate
-
2
%
+
4% Rule
Monthly expenses in retirement (today's NT$)
-
NT$50,000
+
Step: NT$5,000
Retirement Calculator
Adjust settings on the left to see results update in real time.
Nominal value at retirement
--
Face value of your portfolio
Real purchasing power (today's NT$)
--
Inflation-adjusted from today
Total principal invested
--
Compounding earned you
Set monthly expenses to see 4% Rule assessment.
Target (25x annual)
--
Your portfolio
--
Safe withdrawal/yr
--
Portfolio
Principal
Real value
4% target
Key principles
01
Start as early as possible
Early contributions have the longest compounding runway. Starting 5 years earlier can mean millions more at retirement.
02
Never stop investing
Keep contributing when markets fall -- you are buying at a discount. Consistency beats timing every time.
03
Invest every raise
Each time you get a pay rise, invest half and enjoy the other half. Your life improves and your retirement fund grows.
Conservative planning:
underestimate returns (6-7%)
-
overestimate lifespan (plan to 90)
-
recalibrate every 5 years
.