Retirement Planning Calculator

Our Retirement Planning Calculator is an education tool only; the results are hypothetical. It is not a predictive tool and does not guarantee any particular outcome. The tool illustrates how different situations and user decisions affect a hypothetical retirement income plan. The calculator’s results should not be the basis for any investment decisions. Investing in securities involves the risk of loss.

Remember these important factors:

• Assume accounts will be fully depleted at the end of the period you define in the calculator. So if you're planning to leave a legacy, you will need to withdraw less than needed amount reflected in calculator’s result.
• The inflation rate is set at 3% annually in the calculator. This is only an estimate. Remember that inflation rates may change over time, which could impact your purchasing power.

Retirement Calculator Methodology

The Fisher Investments' retirement calculator is intended to illustrate hypothetical retirement income situations based on a set of core assumptions. Keep in mind, the resulting values are only meant to provide a general guideline to help you plan.

*Monthly Income Needed in Retirement

This amount is the estimated amount of money you'll need each month during retirement. The figure is based on the percentage of your current income you entered. The calculator assumes an annual 3% rate of inflation to estimate your annual salary equivalent at the time you retire. That result is then adjusted by the percentage of income replacement you chose. We then modify that result to reflect today's dollars.

**Expected Monthly Retirement Income

This is the projected monthly income your retirement investments may provide based on your inputs. We first determine how much you'll have saved by the time you reach retirement. We then assume that you can reasonably spend approximately 4% of your retirement total each year with confidence that you won't outlive your savings. Finally, we adjust the result for inflation (3% annually). Your Total Expected Monthly Income also includes your projected Social Security benefit.

The results are hypothetical; however, the Retirement Planning Calculator can help you answer the following questions:

• Will my current assets help me reach my retirement goals?
• What anticipated annual rate of return will I need?
• How many years will I need to continue saving before I can begin taking withdrawals?
• How much should I be contributing to my retirement accounts?
• Will my assets last for my full investment time horizon (i.e., the amount of time you'll need your portfolio to last in retirement)?
• How much income can I expect in retirement?

We hope this is useful information as you weigh your retirement options. We want to help minimize the stress of planning for retirement, allowing you to decide if your investing strategies are enough to help you reach your goals.

If your current retirement plan isn't delivering the results you need, we may be able to help. We have helped tens of thousands of investors navigate financial markets, developing strategies to help them reach their goals. Contact us to request an appointment or to find out more about detailed personalized recommendations on retirement planning.

***Consult your tax advisor regarding your specific tax situation. Information within this calculator should not be considered legal or tax advice. The effects of taxes are not included in the estimation. After-tax returns can vary depending on your personal tax situation.