tools / finance
Calculadora de ahorros para la jubilación
Estima tus ahorros de jubilación con contribuciones mensuales, crecimiento compuesto y una edad de jubilación objetivo.
years
years
$
$
%
$
Estimado al jubilarse
$1,188,181
$188,181 por encima de tu objetivo
$235,000
Total aportado
+$953,181
Crecimiento de la inversión
35 yrs
Años hasta la jubilación
$396/mo
Mensual necesario para el objetivo
Hitos de ahorro
Age 35
$71,237
Age 40
$136,784
Age 45
$229,705
Age 50
$361,432
Age 55
$548,171
Age 60
$812,898
Age 65
$1,188,181
Preguntas frecuentes
- ¿Cuánto necesito para jubilarme?
- Una regla general común es la regla de 25 veces: multiplica tus gastos anuales esperados por 25 para obtener tu objetivo de ahorro. Esto se basa en la tasa de retiro seguro del 4 % — la idea de que puedes retirar el 4 % de tu cartera anualmente con una baja probabilidad de quedarte sin dinero durante una jubilación de 30 años.
- ¿Qué rendimiento anual debo usar?
- El S&P 500 ha tenido históricamente un rendimiento de aproximadamente el 10 % anual en términos nominales, o ~7 % después de la inflación. El 7 % es una suposición de planificación comúnmente utilizada para una cartera de acciones diversificada a largo plazo. Usa un número menor (5–6 %) para una estimación más conservadora o una cartera mixta de acciones/bonos.
- ¿Tiene en cuenta la inflación?
- Esta calculadora usa rendimientos nominales (antes de la inflación). Para obtener el poder adquisitivo real, usa una tasa de rendimiento real (resta la inflación estimada de tu rendimiento esperado). Si esperas un 7 % de rendimiento nominal y una inflación del 3 %, usa el 4 % como tasa para proyecciones ajustadas por inflación.
- ¿Qué es la regla del 4 %?
- La regla del 4 % sugiere que puedes retirar de forma segura el 4 % de tu cartera en el primer año de jubilación, ajustando ese monto por la inflación cada año, con una alta probabilidad de que el dinero dure 30 años. Una cartera de $1,000,000 soportaría $40,000/año en retiros bajo esta regla.
ACERCA DE ESTA HERRAMIENTA
Enter your current retirement savings, a planned monthly contribution, an expected annual return, and the age you plan to retire, and the calculator projects your total balance at retirement using compound growth. It also works in reverse, solving for the monthly contribution needed to hit a specific target by a specific age. Because returns compound on both your contributions and previous gains, starting earlier has an outsized effect — a dollar contributed in your twenties has decades longer to grow than the same dollar contributed in your forties. The projection is only as reliable as the assumed rate of return, which real markets never deliver as a smooth, guaranteed line year after year.
CÓMO USARLO
- Enter your current retirement savings balance.
- Enter your planned monthly contribution.
- Enter an expected average annual rate of return.
- Enter your current age and target retirement age.
- Review the projected balance at retirement.
- Switch to solving for the required monthly contribution if you have a specific target amount instead.
CASOS DE USO COMUNES
- Someone in their twenties or thirties checking whether their current 401(k) contribution rate is on pace for retirement.
- Deciding how much of a raise should go toward increased retirement contributions versus other goals.
- Comparing the projected outcome of retiring at 62 versus 67 with the same contribution rate.
- Estimating how much an employer match effectively adds to total monthly contributions.
- Checking how a more conservative expected return assumption changes the retirement timeline.
CONSEJOS Y ERRORES COMUNES
- Starting a decade earlier often matters more than contributing a larger amount later, purely due to compounding.
- Include any employer matching contribution in the monthly amount, since it's part of the real account growth.
- Expected return is an assumption, not a guarantee — run the calculation at a couple of different rates to see a range rather than trusting one fixed number.
- This tool projects raw account growth without inflation, so consider running the resulting balance through an inflation calculator to see its future purchasing power.
MÁS PREGUNTAS
- What rate of return should I assume for the projection?
- Long-term market averages are commonly used as a rough planning assumption, but actual annual returns vary widely and are never guaranteed. It's more useful to test a conservative and an optimistic rate side by side than to anchor on a single assumed number.
- Does this account for taxes on withdrawals?
- No, it projects the account's raw growth. Tax treatment depends on the account type — traditional accounts are typically taxed on withdrawal while Roth accounts generally aren't — so factor that in separately based on where the money is held.
- How much does retiring five years earlier actually cost in the projection?
- It means fewer years of contributions and compounding growth, plus more years the balance needs to last. Run both target ages through the calculator and compare the projected balances directly to see the real gap.
- Why do two people who contribute the same total amount end up with different balances?
- Timing matters more than the total contributed. Money put in earlier in the timeline compounds for longer, so someone who front-loaded contributions will generally end up with more than someone who contributed the same total amount later.
GUÍAS RELACIONADAS
How Much Do You Need to Save for Retirement?
How to estimate your retirement number, the 4% rule, contribution rates, account types, and what to do if you're starting late.
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