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Retirement · Free Calculator

Calculadora de Jubilación

Estima tus ahorros y tu ingreso de jubilación con confianza. Nuestra Calculadora de Jubilación gratuita proyecta cómo pueden crecer tu 401(k), IRA, Roth IRA y otras inversiones para el retiro.

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Cómo funciona esta calculadora Transparent

Esta calculadora proyecta el valor futuro de tu portafolio usando crecimiento compuesto.

Tu información nunca sale de tu dispositivo.

Supuestos y limitaciones Educational

Esta calculadora tiene fines únicamente educativos y de planificación.

Los resultados reales pueden variar debido a factores como:

  • Investment performance and market volatility
  • Changes in annual contribution limits
  • Inflation and purchasing power
  • Employer retirement plan changes
  • Taxes and retirement account withdrawal rules
  • Retirement age and life expectancy
  • Unexpected healthcare or long-term care expenses

Esta calculadora no reemplaza asesoría personalizada.

Fuentes y metodología Cited

Nuestros cálculos y contenido educativo se basan en organizaciones confiables, incluyendo:

Nuestro objetivo es educación de jubilación objetiva y fácil de entender.

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How much do you need to retire?

Un punto de partida común es la Regla del 25× (que se deriva de la Regla del 4%).

Ejemplo: si esperas gastar $60,000 al año, podrías necesitar ~$1.5M.

Tu meta real depende de tu edad de jubilación, Seguro Social, pensiones, salud, impuestos, retornos, inflación y expectativa de vida.

Factors that can have the biggest impact on your retirement savings

Factor Estimated 30-Year Impact*
Increase retirement contributions by 1% +$120,000–$200,000
Earn 1% higher average annual investment return +$180,000–$300,000
Start investing 5 years earlier +$250,000–$500,000
Contribute enough to receive your full employer match +$150,000–$280,000

*Estimaciones ilustrativas únicamente.

One of the easiest ways to grow your retirement savings

Si tu empleador ofrece match, aporta lo suficiente para recibirlo completo. Es una de las pocas formas de obtener un retorno inmediato sobre tu inversión.

Frequently asked questions

How much money do I need to retire?
There isn't a single number that works for everyone. The amount depends on your lifestyle, expected expenses, healthcare costs, retirement age, and how long you expect retirement to last.
When should I start saving for retirement?
The best time to start is as early as possible. Starting sooner gives your investments more time to benefit from compound growth, even if you begin with small contributions.
What if I'm starting late?
It's never too late to improve your retirement outlook. Increasing your savings, delaying retirement, reducing future expenses, or working longer can all make a meaningful difference.
How much should I save each month?
The answer depends on your retirement goals, current savings, expected investment returns, and retirement timeline. A retirement calculator can help estimate a monthly savings target.
What age should I plan to retire?
Retirement is a personal decision. Some people retire in their early 60s, while others work into their 70s. Your financial readiness is often more important than reaching a specific age.
How does Social Security fit into my retirement plan?
For many Americans, Social Security provides an important source of retirement income. However, many financial professionals recommend not relying on it as your only source of retirement funding.
Should I contribute to my employer's retirement plan?
If your employer offers a retirement plan—especially one with matching contributions—it may be one of the most valuable benefits available. Many people prioritize contributing enough to receive the full employer match.
What's the difference between a Traditional IRA and a Roth IRA?
Generally, Traditional IRA contributions may provide tax benefits today, while qualified Roth IRA withdrawals are typically tax-free in retirement. Eligibility and tax rules vary based on your circumstances.
Should I pay off debt before investing for retirement?
It depends on the type of debt, interest rate, and your financial goals. Many people balance paying down high-interest debt while continuing to save for retirement.
How often should I review my retirement plan?
Reviewing your plan at least once a year—or after major life events such as marriage, a new job, or retirement—is a good habit to help ensure you're still on track.
How much income will I need during retirement?
Many people estimate they'll need between 70% and 90% of their pre-retirement income, but your actual needs will depend on your lifestyle, healthcare costs, housing, travel, and other personal goals.
What are the biggest retirement planning mistakes?
Algunos errores comunes incluyen:
  • Esperar demasiado tiempo para empezar a ahorrar
  • Ahorrar muy poco
  • Ignorar la inflación
  • Retirar los ahorros de jubilación antes de tiempo
  • No diversificar las inversiones
  • No revisar el plan de jubilación con regularidad
Can I retire early?
Possibly. Early retirement depends on having enough savings to support a longer retirement, understanding healthcare costs before Medicare eligibility, and having a sustainable withdrawal strategy.
How does inflation affect retirement?
Inflation reduces purchasing power over time, which is why retirement planning should consider not only how much you'll save but also how your money may grow over the years.
What happens if I outlive my retirement savings?
Planning for longevity is an important part of retirement. Diversified savings, Social Security benefits, retirement income strategies, and periodic reviews can help reduce this risk.
Educational Reminder

Remember: Retirement planning isn't about predicting the future perfectly. It's about making informed decisions today, reviewing your progress regularly, and adjusting your plan as your goals and life circumstances change.

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