Fisher Investments Retirement & Future Value Estimator
Plan your financial future with our suite of calculators.
Section A – Retirement Calculator
Project your retirement nest egg and assess if you are on track to meet your income goals.
Section B – Future Value Calculator
Find the accumulated value of an investment with both a lump sum and recurring contributions.
Section C – Savings to Investment Ratio
Determine the annual and monthly savings needed to reach your financial target.
How It Works – Formula & Logic
Section A – Retirement Calculator
This uses a standard compound interest formula to project the growth of your current savings and future contributions. The retirement income is estimated using a safe withdrawal rate of 4% from your projected nest egg.
Nest Egg = (Current Savings × (1 + r)^n) + (Annual Savings × (((1 + r)^n - 1) / r))
Income = Nest Egg × 0.04
Section B – Future Value Calculator
The tool calculates the future value by combining the growth of your initial lump sum with the future value of your regular monthly contributions, a common method used by the **fisher investments future value calculator**. The formula is:
Future Value = PV × (1 + r)^n + PMT × [((1 + r)^n - 1) / r]
(where 'r' is the monthly rate and 'n' is the number of months)
Section C – Savings to Investment Ratio
This section solves for the required periodic payment (PMT) to reach your desired future target. It's the inverse of the future value calculation, helping you with your **savings to investment ratio**.
PMT = (Future Target - (PV × (1 + r)^n)) / (((1 + r)^n - 1) / r)
(where 'r' is the monthly rate and 'n' is the number of months)
User Guide & FAQs
This financial tool is designed to help you with retirement planning, future value projections, and determining your savings-to-investment ratio. Simply input your values into the relevant section and click "Calculate". You can run all three calculators independently or together.
Q1: What is the Fisher Investments Retirement Calculator?
This is a tool designed to project your retirement savings, estimate your annual retirement income, and determine if you have a shortfall or surplus compared to your desired income. This is a key component of any comprehensive **fisher investment retirement calculator**.
Q2: How does the future value calculator work?
It calculates the accumulated value of an investment using compound interest for both a lump sum (initial investment) and periodic contributions. Our tool matches the logic found in a standard **fisher investments future value calculator**, showing you how your money can grow over time.
Q3: What is the savings to investment ratio?
The **fisher investments calculator, savings to investment ratio** helps you determine how much you need to save annually or monthly to reach a specific financial target. It provides a clear roadmap for your savings journey.