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)
📚 Guia de cálculo local
Lógica da fórmula
Aplicamos fórmulas públicas de finanças, empréstimos, razão e conversão.
Escopo das fontes
Referências seguem padrões públicos e práticas comuns de cada país.
Premissas
Impostos, taxas e limites variam por região e instituição.
Result Interpretation
Use este resultado como cenário base. Antes de decidir, compare com proposta real e regras fiscais locais.
Padrão local
Moeda: BRL
Unidades: metric
Modelo tributário: US payroll estimate
Aviso regulatório
Esta ferramenta usa presets regionais para estimativa. Termos reais e limites legais variam por instituição e legislação local.
Próximas ações recomendadas
- Compare pelo menos 2-3 instituições locais antes de fechar.
- Confirme por escrito taxas, impostos e cláusulas de amortização antecipada.
- Rode cenário de estresse com +1-2% de juros.
Antes de uma decisão real, confirme as regras atuais da instituição local.