Retirement calculator

Retirement & FIRE Calculator

Use the 4% rule to calculate the retirement assets you need, the age you could reach financial freedom, and how your assets evolve after retirement.

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Enter your values and press Calculate

Estimated age of financial freedom

Retirement assets needed (present value)

Projected assets at target age

Progress

FIRE

How much is enough to stop working?

The 4% rule comes from research showing that withdrawing 4% of your retirement assets each year has been likely to last 30 years or more. That is why 25 times your annual living expenses becomes the target.

Your current situation
Enter your age, investment assets and monthly savings.
Living expenses in retirement
Enter monthly living expenses in today's money and your expected National Pension payment. Future amounts are calculated using the inflation rate.
Check the asset path
See a chart of your assets growing before retirement and shrinking after it, up to age 100.

Retirement assets needed = annual living expenses / withdrawal rate (4% → 25x, 3.5% → about 28.6x)

Calculations use the real return (1 + return) / (1 + inflation) − 1 and are expressed in present value. We assume the remaining assets keep earning the same return after retirement, and once pension payments begin, your withdrawals are reduced by the pension amount. Taxes and health insurance premiums are not included.

FAQ

Does the 4% rule apply in Korea too?

The 4% rule is a rule of thumb derived from historical US stock and bond data. If your retirement will last 40 years or more, or returns are low, it is safer to use a more conservative withdrawal rate such as 3 to 3.5%.

How is the National Pension reflected?

From the age pension payments start, only the living expenses minus the pension amount are withdrawn from your assets. You can check your expected payment on the National Pension Service's "Find out my pension" page.

The result is too far away.

You can increase your monthly savings, reduce your living expenses in retirement, or add part-time income for the first few years of retirement (Side FIRE). Try changing the numbers and compare.

Results are estimates based on your inputs and simplified assumptions, and are for reference only, not a basis for investment decisions.

Tools that work well together

National Pension Estimate Calculator

Estimate your old-age pension, and the amounts for early or deferred payment, from birth year, contribution period and average income, using 2026 rules.

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