Zaplanuj emeryturę. Oblicz prognozowane oszczędności.
The most widely used rule is the 4% Rule: at retirement, you can safely withdraw 4% of your portfolio per year and it should last 30+ years. To retire on $5,000/month ($60,000/year), you need 25× that amount: $1,500,000 saved at retirement.
The power of starting early is staggering. Investing $500/month at age 25 with a 7% return yields approximately $1.37 million by age 65. Starting at 35 with the same contribution yields only $609,000 — less than half, despite contributing for only 10 fewer years.
Tax-advantaged accounts are essential: a 401(k) lets you contribute up to $23,500/year (2025), often with employer matching. A traditional IRA contributes another $7,000/year. Contributions reduce taxable income now; withdrawals are taxed in retirement (or tax-free with Roth accounts).