Will you have enough money to retire? Capital Investment Advisors has created a retirement calculator to help you create a secure financial plan. Simply answer a few questions, enter your estimated monthly income in retirement and current expenses.
Only have a few minutes?Get started here with our quick, 1-step calculator.
Really want to dig in to your retirement numbers? Get Started here with a more robust calculator.
CIA can help build you a cash flow plan to systematically be investing the proper assets in the proper investments and across the best accounts.
You already have saved enough assets to retire based on CIA’s recommended 4% rule. Now you need to make sure that your assets are correctly allocated for you to generate the income you need to live on throughout retirement. Having a proper mix of income to growth investments is key to generating consistent cash flow to supplement other income sources while retired.
You have enough income to cover all of your monthly expenses and needs. You have so many options regarding how to invest your assets. Our assets are likely a cushion for you and this gives you flexibility regarding your asset collection. We would be happy to help you understand your different options.
Based on your inputs, it looks like you need to save the below amount annually to retire with the lifestyle you’ve outlined by your set retirement date. Many financial planning studies give 4% as the standard withdrawal rate in retirement. However, your monthly expenses are higher than the income you’d generate from your current assets.
You can adjust the suggested annual savings amount below by altering one of the following inputs: expenses, income, or rate of return on your investments. This calculator is an estimate of your expenses and income mix.
You have saved enough assets to comfortably retire based on CIA’s recommended 4% withdrawal rate rule. Now you need to be sure that your assets are correctly allocated for you to generate the investment income you’ll need throughout retirement. Having a proper mix of dividends, interest, and distributions from your investments is key to generating consistent cash flow to supplement other income sources while retired.
Schedule an appointment with one of our financial advisors today if you’d like help becoming an income investor.
You have enough income to cover all of your monthly expenses and needs. This gives you many options regarding your strategy for your investible assets. Because your income will not require you to draw down on your investments, they’re likely a cushion for you which gives you flexibility regarding your assets allocation.
We would be happy to help you understand your different investment strategy options. Schedule your appointment today.
*This 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 investments 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. A client must continuously review their situation.
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