退休规划器
根据支出与假设的提取率，估算你需要的养老储备目标。
假设条件
退休时预计储备
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经验目标（年支出 × 25）
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预计缺口
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预计退休储备（假设）
模拟结果采用「年支出 × 25」的经验法则与恒定假设回报。真实结果取决于市场、通胀、税收与政策——这是教育内容，不是养老金预测。
Estimate how much you might need in retirement and whether your current saving rate is on track. Every number here is a hypothetical illustration built from assumptions you control — inflation, return, and lifespan are unknown in reality.
The 4% rule and withdrawal rates
A common rule of thumb suggests withdrawing about 4% of a balanced portfolio in year one and adjusting for inflation, based on historical US portfolio survival studies. It is a starting point, not a law — early returns, fees, and your asset mix change the answer.
Income replacement
Many planners target 70–85% of pre-retirement income, but your real number depends on housing costs, health care, location, and whether you keep working in some form. Build a bottom-up expense estimate.
Levers you control
You cannot control market returns, but you can control your saving rate, spending, working years, and account fees. Small increases in saving rate in your 30s and 40s compound powerfully.
Tax-advantaged accounts and employer matches are generally valuable; the exact rules differ by country and change. Verify current rules with a licensed adviser or official sources.
计算器常见问题
Will the calculator tell me my exact retirement number?
No one can. It produces a range from explicit assumptions for education and planning. Markets, inflation, taxes, and personal circumstances are unknowable in advance.
What return should I assume?
Use a conservative, inflation-aware assumption and test several. Higher assumed returns make projections look better but are not predictions. We do not provide investment return advice.
Do you recommend retirement accounts or funds?
No. AILICAI explains general concepts only. Account choices and investments are personal decisions to make with a licensed professional for your country and tax situation.