What annual return should I use?

The US stock market has returned ~10% annually before inflation, or ~7% after inflation, over the long term. Use 6-8% for a conservative estimate for a diversified portfolio.

What is employer match?

Many employers match a percentage of your 401(k) contributions. For example, 50% match up to 6% of salary means if you earn $75,000 and contribute $4,500 (6%), your employer adds $2,250. This is free money — always contribute enough to get the full match.

The 4% rule says you can safely withdraw 4% of your retirement savings annually (adjusted for inflation) without running out over a 30-year retirement. Multiply your annual expenses by 25 to find your target retirement number.

Why does inflation matter?

At 3% inflation, $1,000,000 in 30 years has the purchasing power of about $412,000 today. Without adjusting for inflation, your retirement projections look much better than reality.

老後資金計算ツール

定期積立に基づいて退職時の資産を計算します。

現在の退職貯蓄

毎月の積立額

企業マッチング

マッチング上限（給与の%）

年収

期待年間リターン

年間インフレ率

定年までの年数

年

推定退職残高

$1,046,535.09

あなたの拠出額$205,000.00

企業マッチング総額$67,500.00

運用益$774,035.09

成長倍率3.8x

現在の価値換算$431,158.60

月額退職所得（4%ルール）$1,437.20

あなたの拠出額

運用益

年-by-年 (30 years)

年	Balance	あなたの拠出額	運用益
年 1	$35,376.85	$33,250.00 contributed	$2,126.85
年 2	$46,503.85	$41,500.00 contributed	$5,003.85
年 3	$58,435.22	$49,750.00 contributed	$8,685.22
年 4	$71,229.11	$58,000.00 contributed	$13,229.11
年 5	$84,947.87	$66,250.00 contributed	$18,697.87
年 6	$99,658.36	$74,500.00 contributed	$25,158.36
年 7	$115,432.27	$82,750.00 contributed	$32,682.27
年 8	$132,346.48	$91,000.00 contributed	$41,346.48
年 9	$150,483.42	$99,250.00 contributed	$51,233.42
年 10	$169,931.48	$107,500.00 contributed	$62,431.48
年 11	$190,785.44	$115,750.00 contributed	$75,035.44
年 12	$213,146.94	$124,000.00 contributed	$89,146.94
年 13	$237,124.95	$132,250.00 contributed	$104,874.95
年 14	$262,836.34	$140,500.00 contributed	$122,336.34
年 15	$290,406.40	$148,750.00 contributed	$141,656.40
年 16	$319,969.50	$157,000.00 contributed	$162,969.50
年 17	$351,669.72	$165,250.00 contributed	$186,419.72
年 18	$385,661.56	$173,500.00 contributed	$212,161.56
年 19	$422,110.67	$181,750.00 contributed	$240,360.67
年 20	$461,194.68	$190,000.00 contributed	$271,194.68
年 21	$503,104.09	$198,250.00 contributed	$304,854.09
年 22	$548,043.12	$206,500.00 contributed	$341,543.12
年 23	$596,230.81	$214,750.00 contributed	$381,480.81
年 24	$647,901.98	$223,000.00 contributed	$424,901.98
年 25	$703,308.47	$231,250.00 contributed	$472,058.47
年 26	$762,720.30	$239,500.00 contributed	$523,220.30
年 27	$826,427.01	$247,750.00 contributed	$578,677.01
年 28	$894,739.09	$256,000.00 contributed	$638,739.09
年 29	$967,989.45	$264,250.00 contributed	$703,739.45
年 30	$1,046,535.09	$272,500.00 contributed	$774,035.09

Contributing $500.00/month + $187.50 employer match for 30 years at 7.00% returns grows to $1,046,535.09. Adjusted for 3.00% inflation, that's $431,158.60 in today's purchasing power — enough for about $1,437.20/month using the 4% withdrawal rule.

もしもシミュレーション

企業マッチング$1,046,535.09

マッチング上限（給与の%）$1,046,535.09

期待年間リターン$1,046,535.09

年間インフレ率$1,046,535.09

定年までの年数$1,046,535.09

Delaying retirement savings by 10 years typically requires saving 2–3× as much per month to reach the same goal.

Try next

Compound Interest Calculator

See year-by-year how your balance grows and when it accelerates

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この計算ツールについて

老後の資金計画は最も重要な財務目標です。このツールで、定期積立と複利成長が長期的にどれほどの資産を形成できるかを確認できます。

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よくある質問

どの年利回りを使えばよいですか？

日本株・世界株の長期年利回りは歴史的に約5〜8%程度です。分散投資ポートフォリオには5〜6%を目安に使用することをお勧めします。

税引き前・後どちらの数字ですか？

このツールはインフレ・税金考慮前の名目値を使用します。実際の結果は退職時の税務状況によって異なります。

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