How long will my retirement savings last? (4% rule)
How long will my retirement savings last? See the 4% rule math, a table of payout years at 4, 5, and 6 percent, and what $500,000 really pays monthly.
Understand the arithmetic behind pay, taxes, borrowing, interest, and savings. Start with the salary calculator, compound interest calculator, or mortgage calculator. Check the selected jurisdiction, tax year, fees, and exclusions before using any estimate for a decision.
How long will my retirement savings last? See the 4% rule math, a table of payout years at 4, 5, and 6 percent, and what $500,000 really pays monthly.
Compare the loan rate to your after-tax investment return. Why a guaranteed return beats an uncertain one, and when each wins.
A credit cuts your tax bill directly; a deduction only cuts taxable income. Why a credit is almost always worth more, with the maths.
Build the case on contribution and market rate, time it right, and remember a raise compounds through every future raise.
Every payslip is one sum: gross minus deductions equals net. What each line is for, and how to check the figures add up.
Google shows the mid-market rate you’ll never get. The spread, hidden no-fee costs, and the dynamic-currency-conversion trap.
200 a month at 7% becomes about 244k over 30 years – mostly growth. Tables by amount, time and rate, and why starting early wins.
The 1x-by-30 to 10x-by-67 benchmarks explained, where they come from, how to read them if behind, and adjusting outside the US.
How much down payment do you need? Typically 10% to 20% of the home price, with 20% avoiding mortgage insurance. Includes a worked example.
How much to save each month? Divide your goal by the number of months. Includes a worked example, how growth helps, and the 50/30/20 rule.