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Retirement
Compare a target fund derived from desired income with the projected retirement fund.
Changing currency affects display formatting only. FinTrex does not convert exchange rates or mix currencies inside a calculation.
FinTrex result
Retirement Gap Calculator
Modeled amount above target fund
$105,476
Modeled target fund
$1,000,000
Projected fund
$1,105,476
What changes this most?
A modeled surplus is not a guarantee; stress-test lower returns and sequence risk.
Sensitivity check
A roughly 10% move in years until retirement changes the modeled headline result by up to $205,574 in this setup.
Withdrawal rates are planning heuristics. Inflation, fees, tax and return sequence can materially change outcomes.
Use the number fields, sliders, or a quick preset. You can fully clear a field while editing.
Formula
A target fund is estimated from desired annual retirement income ÷ withdrawal-rate assumption, then compared with the projected fund at retirement.
The fund projection uses effective-annual-return monthly compounding with month-end contributions. The withdrawal rate is a heuristic, not a guarantee, and tax, inflation, fees and sequence risk are not fully modeled.
Editable rates, growth assumptions, prices, fees, and percentages are planning inputs unless the calculator explicitly identifies a current source.
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