The investor calculator

The investor calculator is a tool to help you visualize the probable outcome of different investing approaches and their results.

I recommend reading my post choose your investing path that utilizes this tool to understand the implications better.

Expected average after retirement
Applied all at once in retirement

Calculation notes & caveats:

  • The yearly return after retirement in this visualization is 3%. Once retired, you can't have market volatility, as you need to sell stocks for livelihood regularly. Safer, slower investments should be in place.
  • Real-life capital growth is never as reliable as in the graph. You'll have good years and bad years. What's important is the terminal compound annual growth rate (CAGR).
  • Since it will not be a straight path in real life, you might have to delay your retirement by a few years if the market hit a recession just before your planned retirement.