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What does ‘Balance’ mean?

Balance: The balance is the total amount of money left in your retirement savings account. This amount goes up or down depending on how well your investments perform and how much money you withdraw each year. It’s like the total amount in your piggy bank.


What does ‘Withdrawal’ mean?

Withdrawal: The withdrawal is the amount of money you take out of your retirement savings each year to pay for your living expenses. Think of it like an allowance you give yourself from your hard-earned savings.

Retirement Savings Projections

What is the 4% rule?

The 4% rule is a popular guideline for retirement withdrawals. The idea is simple: in your first year of retirement, you can safely withdraw 4% of your total savings. In following years, you adjust the dollar amount you take out to keep up with inflation. For example, if you have $500,000 in retirement savings, your initial withdrawal would be $20,000 according to the 4% rule.

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