Underlying Assumptions

• •Inflation implies a constant rate over the entire investment and retirement period.
• •Returns are assumed as constant annual compound growth rates. Actual market returns are volatile.
• •The calculator computes purely mathematical estimates (illustrative only) using the Present Value of an Annuity formula for the retirement depletion phase.
• •No taxes, market fees, or expense ratios have been factored into these illustrative estimates.
• •Life expectancy and retirement duration define the depletion period strictly based on user inputs.