The Radical Monk

RetireWhen

Plan your freedom. See how your savings and investments guided by the 4% rule can grow and help you retire comfortably. Your journey to financial independence starts here.

"Wealth is not about having abundant possessions, but about having abundant choices."

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Your Financial Details

Disclaimer: None of your financial details are saved or monitored. This calculator is for informational purposes only. We cannot be held responsible for any financial decisions made based on this information.
Where are you in your retirement journey?
The amount you have in your bank's savings account or fixed deposits.
The amount already invested in ETFs, mutual funds, stocks, or similar assets.
Monthly living expenses in today's prices.
Your current loan payments. Prepayments shorten the EMI period; add balance and interest for a closer estimate.
Enter each planned investment period. Leave Until year blank to continue until retirement.
The average yearly interest you receive from your bank's savings account or fixed deposits.
The average yearly interest you receive from ETFs, mutual funds, etc.
The current annual inflation rate of the country where you live.
Your current age.
The age at which you hope to retire.
How many years your retirement plan should support (default: 30 years).
The guaranteed yearly income starting at a specific age, such as pensions, social security, or annuity payments.
The age at which your future guaranteed income begins.
Enable this only if your pension/other income is expected to rise with inflation after it starts.
Emergency Fund (6 months)
What is Emergency Fund?

Keep an emergency fund of 3-6 months of essential expenses. This is your safety net, so that life's surprises do not derail your long-term plan.

Your Financial Journey

Calculation method
  • Safe Withdrawal Rate (SWR) target: checks whether portfolio withdrawals can cover expenses within your selected SWR.
  • Years in retirement: checks how much money must last for your selected retirement years.
Retirement target method
This is your yearly withdrawal limit from your portfolio. Maximum allowed is 4%.

Base (as per your inputs)

How much you will have at age 60

The amount you will build based on your current savings and investments

How much you need to retire at age 60

The amount you need based on expenses, inflation, other income, and your selected SWR

Earliest Retirement

28 years

Based on your portfolio, you can retire by age 63 in 2053

"The journey of a thousand miles begins with a single step. Your financial independence journey begins today."