Calculadora de Jubilación
Planifica tus ahorros para la jubilación y estima ingresos futuros
Herramientas Relacionadas
Calculadora de Hipoteca
Calcula pagos mensuales de hipoteca con tabla de amortización
Calculadora de Interés Compuesto
Calcula interés compuesto con aportes regulares
Calculadora de Préstamo / EMI
Calcula pagos EMI para cualquier tipo de préstamo
Calculadora de Porcentaje
Calcula porcentajes, aumentos, disminuciones y diferencias
Calculadora de Propina
Calcula la propina y divide la cuenta
Calculadora de ROI
Calcula el retorno de inversión y rendimientos anualizados
Cómo Usar
Ingresa Tus Valores
Completa los campos de entrada con tus números o parámetros.
Obtén Resultados Instantáneos
Los resultados se actualizan automáticamente mientras escribes — sin necesidad de botón de envío.
Copia o Guarda
Copia los resultados al portapapeles o úsalos en tu flujo de trabajo.
Por Qué Usar Esta Herramienta
100% Gratis
Sin costos ocultos, sin niveles premium — todas las funciones son gratuitas.
Sin Instalación
Se ejecuta completamente en tu navegador. No necesitas descargar ni instalar nada.
Privado y Seguro
Tus datos nunca salen de tu dispositivo. Nada se sube a ningún servidor.
Funciona en Móvil
Totalmente responsivo — úsalo en tu teléfono, tableta o escritorio.
Retirement planning is about ensuring your future self has enough income to maintain a comfortable lifestyle. The earlier you start, the less you need to save each month thanks to compound growth.
Key Concepts
The 4% Rule
A widely cited guideline suggesting you can withdraw 4% of your retirement savings annually with a low risk of running out over a 30-year retirement. It provides a useful starting point for planning.
Inflation Impact
At 3% annual inflation, the purchasing power of $1 today is only about $0.55 in 20 years. Your retirement savings must grow faster than inflation to maintain your living standard.
Asset Allocation
Younger investors can typically take on more stock-heavy portfolios since they have time to recover from downturns. As retirement nears, shifting toward bonds and stable assets reduces risk.
Employer Match
If your employer offers a retirement contribution match, contribute at least enough to get the full match — it's essentially free money that can dramatically boost your retirement savings.
Practical Tips
Aim to save at least 15% of your pre-tax income for retirement, including any employer match.
Don't withdraw from retirement accounts early — early withdrawal penalties and lost compounding growth can significantly reduce your final balance.
Review and rebalance your retirement portfolio at least once a year to ensure your asset allocation matches your risk tolerance and time horizon.
Consider healthcare costs in your retirement planning — they are often the largest underestimated expense in retirement.
This content is for educational purposes only and does not constitute financial or investment advice. Consult a qualified financial planner before making retirement decisions.