Calculadora de Lacuna de Renda na Aposentadoria Grátis
Identifique a diferença entre sua renda projetada e suas necessidades na aposentadoria. Planeje como preencher essa lacuna financeira.
Annual Income Needed
$64,000
Annual Income Needed vs Income Replacement Target
Formula
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).
Exemplo Resolvido
$80,000 income, 80% replacement, $24,000 SS, no pension.
- 01Income needed = $80,000 x 80% = $64,000
- 02Guaranteed = $24,000 (SS)
- 03Gap = $64,000 - $24,000 = $40,000/year
- 04Savings needed = $40,000 x 25 = $1,000,000
Perguntas Frequentes
What is the income replacement rate?
It is the percentage of your working income you will need in retirement. Most advisors recommend 70-85%. Higher earners may need a lower percentage.
What is the 4% rule?
The 4% rule suggests withdrawing 4% of your portfolio in the first year of retirement, then adjusting for inflation. It is designed to last 30 years.
How do I close the income gap?
Increase savings, work longer, reduce expected expenses, consider part-time work in retirement, or adjust your investment strategy.
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