Retirement Calculator
How big your pot gets — and how long it actually lasts
リスクを下げるため、通常は退職前より低くなります
今から30年後
- 元本合計
- ￥338,000
- 利息総額
- ￥1,043,801.67
運用益が引き出し額を賄うため、残高は減りません
すべての処理はブラウザ内で完結します。データが端末外に送信されることはありません。
関連ツール
使い方
A final balance on its own answers nothing about whether you can retire. This tool runs both phases — accumulation and drawdown — because sufficiency, not size, is the question worth answering.
Enter your ages
Current age and intended retirement age set the accumulation window. Every additional year of contributions compounds, so this pair moves the outcome more than almost any other input.
Add current savings and monthly contributions
Include everything earmarked for retirement across all accounts. For anyone starting with a modest balance, the monthly contribution usually dominates the final figure.
Set two different return rates
The pre-retirement rate reflects a growth-weighted portfolio. The retirement rate is normally lower, because portfolios shift towards bonds and cash as sequence-of-returns risk becomes the main danger.
Enter your annual withdrawal
What you expect to spend each year in retirement, in today's terms. The result shows how many years the pot supports that, or states that returns cover the withdrawals entirely.
使用例
Starting at 35
At 35 with 50,000 saved, contributing 800 a month at 7% until 65, the pot reaches roughly 1.36 million. Withdrawing 45,000 a year at a 4% post-retirement return, the returns exceed the withdrawals — the balance never falls.
The cost of a late start
The same 800 a month starting at 45 instead of 35 reaches only about 620,000 by 65. At a 45,000 annual withdrawal that lasts roughly 17 years, running out around age 82 — the ten-year delay converts a sustainable pot into one with a deadline.
このツールについて
Project your retirement savings and, more usefully, how long they will support you. The calculator grows your balance until retirement, then draws it down at your chosen annual withdrawal using a separate post-retirement return, and reports the age at which the money runs out or whether it lasts indefinitely.