30s Retirement Calculator
Start Your Retirement Planning in Your 30s
Starting retirement savings in your 30s maximizes compound interest benefits. Calculate target retirement funds and monthly savings to compare scenarios at ages 55, 60, and 65.
🎯 Why 30s is Crucial for Retirement
Your 30s is the golden age for retirement prep. Starting at 30 with $500/month (7% annual return) yields ~$600K by 60. The same amount starting at 40 yields only ~$250K. 10 years makes a 2x+ difference. Time is money.
💼 Severance Pay Calculator
About Severance Pay
- • Paid to employees who worked 1+ years.
- • Must be paid within 14 days of resignation.
- • Retirement income tax applies separately.
- • Actual amount may vary by company policy.
📐 30s Retirement Fund Calculation
Needed Fund = Monthly Expenses × 12 × Years in Retirement
Monthly Savings = Target × [i / ((1+i)^n - 1)]
Example: Retire at 65, $3K/month, 30 years → ~$1.08M needed
📝 How to Calculate
- Enter your current age (30-39)
- Select target retirement age (55/60/65)
- Enter desired monthly expenses after retirement
- Enter expected investment return (usually 5-8%)
- View required savings and monthly contributions
📊 Starting in 30s Simulation (7% return)
| Start Age | Monthly | At 55 | At 60 | At 65 |
|---|---|---|---|---|
| 30 | $300 | $230K | $370K | $570K |
| 30 | $500 | $390K | $610K | $950K |
| 30 | $1,000 | $780K | $1.22M | $1.9M |
| 35 | $300 | $150K | $250K | $400K |
| 35 | $500 | $250K | $420K | $660K |
| 35 | $1,000 | $500K | $840K | $1.33M |
💰 30s Retirement Strategy
- Allocate 20%+ of income to savings/investments
- Maximize tax-advantaged accounts (401k, IRA)
- Keep 60-70% in stocks/ETFs for growth
- Build 3-6 month emergency fund first
- Factor in inflation (3% annual increase)
📚 Länderbezogener Rechenleitfaden
Formellogik
Verwendet öffentliche Standards für Finanzen, Darlehen, Quoten und Umrechnung.
Quellenrahmen
Bezug auf öffentliche Standards und übliche Praxis je Land.
Annahmen
Steuern, Gebühren, Zinssätze und Grenzen variieren nach Region/Institut.
Result Interpretation
Nutzen Sie das Ergebnis als Basisszenario. Vor Entscheidungen mit echtem Angebot und lokaler Steuerlage abgleichen.
Lokale Voreinstellung
Währung: EUR
Einheiten: metric
Steuermodell: US payroll estimate
Regulatorischer Hinweis
Dieses Tool nutzt regionale Voreinstellungen zur Schätzung. Reale Vertragsbedingungen und gesetzliche Grenzen variieren je nach Institut und Rechtsraum.
Empfohlene nächste Schritte
- Vergleichen Sie vor Abschluss mindestens 2-3 lokale Anbieter.
- Prüfen Sie Gebühren, Steuerwirkung und Vorfälligkeitsklauseln schriftlich.
- Simulieren Sie ein Stressszenario mit +1-2% Zins.
Vor realen Entscheidungen bitte die aktuellen lokalen Regeln prüfen.