Simulate the growth of your investment and estimate monthly retirement income
R$
R$
%
Accumulated interest
R$ 42.473,44
26.1%Monthly contributions
R$ 120.000,00
73.9%Initial deposit
R$ 0,00
0.0%Your final amount
Monthly income
Annual income: R$ 6.498,94
≈ 30-year estimated sustainabilityMonthly income
Annual income: R$ 4.874,20
≈ Long-term wealth preservationThe 3% and 4% withdrawal rules are based on historical US market research: the Trinity Study (Cooley, Hubbard & Walz, 1998) and Bill Bengen's research (1994), which analyzed diversified stock and bond portfolios over decades. Other markets, including Brazil, have different characteristics — higher volatility, historically higher inflation, and shorter market history. Safe withdrawal rates may differ significantly. Use these estimates as a reference, not a guarantee.
The final amount is calculated using the compound interest formula with periodic monthly contributions. The equivalent monthly rate is derived from the nominal annual rate.
Selic
Brazil's benchmark interest rate (Mar/2026 ≈ 13.75% p.a.)
IPCA+5%
Inflation + 5% real return (common Brazilian equity benchmark)
S&P 500
S&P 500 historical annual average in USD (~10% p.a.)
CDI
Very close to Selic; Brazilian fixed-income benchmark
Poupança
Minimum savings return (~6–7% p.a.); usually loses to inflation
The 4% rule estimates how much you can withdraw annually without depleting your portfolio over 30 years. The 3% rule is more conservative and aims for indefinite sustainability. Both assume a diversified portfolio and historical US market returns.