CALCULATOR · FREE · NO SIGNUP

Your retirement in dollars: how much do you need, and how far off are you?

Compound interest in USD, with no magic promises. Two modes: how much to invest each month to reach your number, or how much you will have with what you already put away.

How much to invest each month to reach your number?

Your "number" is the capital that lets you live off your investments. The classic reference: annual spending × 25 (the 4% rule).

Your number (annual spending × 25)
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Monthly contribution required
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Investing from outside the U.S.?
The broker, the W-8BEN, estate tax on U.S. stock: the whole map matters. 15-min consult: $29.

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How much will you have when you retire?

What you already hold plus what you add each month, projected with compound interest.

Estimated capital at retirement
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Sustainable monthly income (4% rule)
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Important notice: This calculator is an educational compound-interest tool with simplified assumptions (constant return, regular contributions, no taxes or fees). It is not investment advice or a recommendation of any instrument, and past returns do not guarantee future results. The 4% rule is a historical planning reference, not a guarantee. For investment decisions, consult an adviser licensed in your jurisdiction. Sumalis is part of the Onell.us / Emprendenus ecosystem.

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