*This information is provided to you as a resource for informational purposes only and should not be viewed as investment advice or recommendations. The rate of return is very much dependent on an individual investors risk tolerance, but ultimately, many financial planning studies cite 4% as an acceptable withdrawal rate over a 30-year retirement with average inflation affecting recurring income needs. Please note that this is simply a worksheet which the results are completely dependent upon the user's input. The results or returns are not expectations or assumptions of Capital Investment Advisors. Please consult your personal financial advisor who knows details of your situation before assuming no assets or exceedingly high assets are needed to achieve retirement results. Many factors must be taken into account that are ignored in this worksheet including insurance, health, risk tolerance, time horizon, return expectations, etc. It is very important that before choosing any investment to consult directly with a financial advisor and not rely on online tools such as this one. Nothing in this calculator should be considered a guarantee. This calculator does not take into account future tax law changes or current status. This data is based on historical information and is no guarantee of future performance or outcomes. This should not be used as your final determining factor for any decision you are making. One must continuously review their situation as changes will occur.