은퇴 자금 계산기

현재 나이

은퇴 목표 나이

현재 저축액 (₩)

월 저축액 (₩)

연간 수익률 (%) (%)

은퇴 자금이 얼마나 필요할까요? 4% 법칙 기반으로 은퇴 필요 자금과 월 저축 목표액을 계산합니다. 현재 나이, 은퇴 희망 나이, 현재 저축액, 기대 수익률을 입력하세요. 무료 은퇴 설계 계산기입니다.

사용 방법

이 도구 사용 방법

1단계: Enter Your Current Situation

Input your current age and the age you plan to retire. Then enter how much you have already saved and how much you can contribute each month.

2단계: Set Expected Returns

Enter your expected annual return rate. A conservative estimate is 5-7%, while aggressive portfolios might target 8-10%. Historical S&P 500 average is about 7%.

3단계: Review Your Projection

Click Calculate to see your total savings at retirement, monthly safe withdrawal using the 4% rule, and a year-by-year growth breakdown table.

주요 기능

4% safe withdrawal rule integration
Year-by-year growth projection table
Compound interest with monthly contributions
모바일 최적화 반응형 디자인
설치 불필요 - 브라우저에서 바로 사용
완전 무료, 제한 없음

일반적인 사용 사례

Early Retirement Planning:
Calculate if you can retire early by adjusting your savings rate and target retirement age.
Portfolio Comparison:
Compare different return rate scenarios to see how investment performance affects your retirement savings.
Monthly Budgeting:
Determine how much you need to save each month to reach your retirement goal by a specific age.
Retirement Readiness:
Assess whether your current savings and contribution plan are on track for a comfortable retirement.

자주 묻는 질문

Q: What is the 4% rule?
A: The 4% rule is a retirement withdrawal guideline suggesting you can withdraw 4% of your savings annually, adjusted for inflation, with a high probability of your money lasting 30 years.

Q: What return rate should I use?
A: A conservative 5-6% is recommended for planning. Historical S&P 500 returns average ~7% after inflation, but past performance doesn't guarantee future results.

Q: Does this account for inflation?
A: This calculator does not automatically adjust for inflation. Consider using a lower real return rate (e.g., 5-6% instead of 7-8%) to account for inflation's impact.