Retirement Risk Calculator
Assess your retirement readiness based on savings, expenses, investment returns, and life expectancy. Understand how different factors affect your retirement financial security.
Step 1: Personal Details
Understanding Retirement Risk
Retirement risk depends on your savings, investment returns, inflation, and life expectancy. Running out of money in retirement is a major concern that can be mitigated with proper planning.
Step 2: Financial Details
About Investment Returns & Inflation
Historical stock market returns average 7-10% annually, while bonds return 3-5%. Inflation typically ranges 2-3% annually. Your real return (investment return minus inflation) determines your actual purchasing power growth.
Retirement Risk Analysis
Retirement Risk Level
Retirement Risk Scenarios
| Scenario | Investment Return | Inflation | Retirement Age | Risk Level | Funds Last Until |
|---|
Retirement Savings Projection
Retirement Risk Formula
Risk = (Required Savings – Projected Savings) / Required Savings × 100%
Retirement risk is calculated based on whether your projected savings at retirement can support your annual expenses throughout your retirement years, adjusted for inflation and investment returns. A negative percentage indicates a surplus, while a positive percentage indicates a shortfall.
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