Ruhestandseinkommensluecken-Rechner — Formel

Retirement Income Gap

Gap = Income Needed - Social Security - Pension

Savings Required = Gap x 25 (4% Rule)

The 4% rule suggests you can safely withdraw 4% of your portfolio annually, so you need 25x your annual gap in savings.

Income Replacement

Most advisors suggest replacing 70-85% of pre-retirement income. You may need less (no payroll taxes, commuting costs) or more (healthcare, travel).

Lösungsbeispiel

$80,000 income, 80% replacement, $24,000 SS, no pension.

  1. Income needed = $80,000 x 80% = $64,000
  2. Guaranteed = $24,000 (SS)
  3. Gap = $64,000 - $24,000 = $40,000/year
  4. Savings needed = $40,000 x 25 = $1,000,000