Retirement Calculator

With the Yieldstreet Retirement Calculator, planning for your retirement has never been easier. Simply input your goals and anticipated income requirements, and let the calculator determine the right time to retire.

3d chart with stairs to go up

Retirement Calculator

Use the retirement calculator to gain clarity on your financial future and take decisive steps towards achieving your retirement goals!

Age

What is your age?

Pre-tax income

What is your pre-tax income?

$

Current savings

How much do you currently have in retirement savings?

$

Monthly savings

How much do you currently save for retirement each month (% of income)

$

(2.5%)

How much will you need to retire at 67?

You will have

$ 341.83 k

You will need

$ 458.18 k

You’re 75% to goal

Let's get you towards your retirement goal.

There are a few steps you could take to jumpstart your retirement savings. Create an account to reduce your bills, eliminate debt and grow your money.

How to use this calculator

The Yieldstreet Retirement Calculator can help you determine the right time to retire based on your goals and  anticipated income requirements.

01

Input your pre-retirement annual income

This is the income you currently earn from all sources.

02

Determine your retirement age

Decide when you want to retire, and the calculator will factor in important considerations like Social Security benefits, taxation, compound interests, and inflation

03

Set your retirement goals

Based on your desired lifestyle in retirement, input the annual income you will need to meet your expenses. The calculator will determine the amount of savings you will need to meet those goals.

Importance of Retirement Planning

When to retire

Retirement planning is not just about having enough savings, it's also about understanding the potential costs and penalties associated with early retirement. You will need to consider the key considerations such as health concerns, taxation, and Social Security benefits that you need to keep in mind while planning for retirement.

Tax-deferred retirement plans impose a 10% penalty on withdrawals before the age of 59.5. Withdrawals from any savings vehicle - save a Roth IRA — will be subject to taxation.  With Medicare, withdrawals become available at 65. The earlier you choose to retire, the more money you will need to have put away.  Here are more considerations.

Health Concerns

Retirement age also depends heavily on a person’s physical condition. Some people are just as robust at 75 as they were at 65 and will continue working.  Everyone is different, which is why it’s important to take health care costs into consideration when planning for your retirement.

Taxation

Tax-deferred savings accounts such as 401(k) plans and standard IRAs will be subjected to taxation when withdrawals are taken. Assuming a 30% tax rate, every $1000 withdrawal will encounter $300 in taxes.

Social Security

While this retirement benefit becomes available when individuals turn 62, payments are reduced for those who take it before the age of 67. This is considered the full retirement age for people born in 1960 or later.

Financial Planning

A retiree should have 10 times their pre-retirement income to maintain their lifestyle. For example, people who earn  $100,000 annually should plan to have at least $1M in savings to see them through retirement. The amount of savings required to amass that amount will vary according to a few factors.

Time

The earlier one starts, the more the power of compound interest will work in their favor. While one cannot predict how long they will live, they do have control over the amount of money they save. In some cases, this can mean forgoing immediate gratification in favor of long-term benefits.

Investment Assumptions

The nature of a retiree’s investments and the rates of return they achieve play a significant role in the performance of their retirement portfolios. Most people craft their retirement portfolios around publicly traded equities and fixed-income products, along with Treasury bills and certificates of deposits (CDs) with banks.



Those earning more than $21,240 annually will forego $1 for every $2 they earn over that amount. In other words, an annual income of $50,000 will cost a Social Security recipient $3,760 in benefits until they reach full retirement age. The earnings-limit calculation is based on gross pay for wage earners and net income for the self-employed. 

There are no income considerations for those who wait until full retirement age. The benefit amount is increased by 8% annually for recipients who choose to wait until age 70 to take it. Social Security benefit payments also get an annual inflation adjustment. 

Common Retirement Investment Options

A carefully curated mix of publicly traded equities and fixed-income products typically form the foundation of a retirement income portfolio. These can include mutual funds and exchange-traded funds.

Traditional portfolio asset allocation envisages a 60% public stock and 40% fixed income allocation. However, a more balanced 60/20/20 or 50/30/20 split, incorporating alternative assets, may make a portfolio less sensitive to public market short-term swings.

Alternative investments include real estate, private equity, venture capital, digital assets, precious metals and collectibles. Broadly speaking, such investments tend to be less connected to public equity, and thus offer potential for diversification. Of course, like traditional investments, it is important to remember that alternatives also entail a degree of risk.

How to Prepare for Retirement with Yieldstreet

Those asset classes were traditionally accessible only to an exclusive base of wealthy individuals and institutional investors buying in at very high minimums — often between $500,000 and $1 million. These people were considered to be more capable of weathering losses of that magnitude if investments underperformed.


However, Yieldstreet has opened a number of carefully curated alternative investment strategies to all investors. They offer help in capitalizing on areas such as real estate, legal finance, art finance and structured notes — as well as a wide range of other unique alternative investments.


Investors can get started with a relatively small amount of capital. Yieldstreet has opportunities across a broad range of asset classes, offering a variety of yields and durations, with minimum investments as low as $10,000.

happy retirement couple

Common Retirement Terms to Know

Income

Refers to the amount of money retirees receive on a regular basis, typically from employment, investments, or retirement benefits. This is an important factor to consider when planning for retirement, as it forms the basis of a retiree’s ability to cover retirement expenses and maintain a preferred lifestyle.

Compound interest

Calculated on the initial principal as well as the accumulated interest from previous periods. In other words, the interest earned in a given period is added to the principal, and the interest earned in the following period is calculated on the new, higher amount.

401(k)

A type of employer-sponsored retirement savings plan that allows employees to save and invest pre-tax dollars for their retirement. The plan is named after the section of the tax code that governs it, and contributions to a 401(k) are generally made directly from an employee's paycheck.

An IRA or Individual Retirement Account

a type of investment account designed to help people save for retirement. IRAs are established and maintained by individual investors, rather than by an employer, and offer tax benefits to encourage retirement savings. There are two main types of IRAs: traditional IRAs, which allow pre-tax contributions and defer taxes on investment growth until funds are withdrawn in retirement, and Roth IRAs, which allow after-tax contributions and tax-free withdrawals in retirement.

Contribution limits

Refer to the maximum amount of money an investor can contribute to a particular type of savings or investment account in a given year. These limits are set by government agencies to encourage saving and investment while also limiting the tax advantages that can be claimed. Contribution limits often apply to 401(k) plans, IRAs, and other types of retirement accounts.

All securities involve risk and may result in significant losses. Alternative investments involve specific risks that may be greater than those associated with traditional investments; are not suitable for all clients; and intended for experienced and sophisticated investors who meet specific suitability requirements and are willing to bear the high economic risks of the investment. Investments of this type may engage in speculative investment practices; carry additional risk of loss, including possibility of partial or total loss of invested capital, due to the nature and volatility of the underlying investments; and are generally considered to be illiquid due to restrictive repurchase procedures. These investments may also involve different regulatory and reporting requirements, complex tax structures, and delays in distributing important tax information.

Frequently Asked Questions about Investing for Retirement

How do social security benefits fit into retirement plans?

Social Security benefits can play a significant role in retirement plans, but it is important to understand they may not be enough to support preferred lifestyles in retirement. Social Security benefits are best looked upon as supplements to other retirement savings.

What is the best age to start planning for retirement?

It is never too early or too late to start planning for retirement. The earlier a person starts, the more time they have to grow their savings and adjust plans if necessary. However, it is never too late to start, and making changes even in their 50s or 60s can still have a significant impact on retirement outcomes.

The Yieldsteet retirement planning calculator can help inform decisions.

Is retiring early a recommended goal?

Retiring earlier than the expected retirement age may be possible, but that typically requires having a significant amount of savings and a strong retirement plan. Consider the long-term implications of retiring early, such as the potential impact on Social Security benefits and the need to stretch savings over a longer period of time.

How much money is enough to save for retirement?

The amount of money needed to save for retirement depends on various factors such as anticipated expenses, desired lifestyle, and life expectancy. As a general rule of thumb, it is recommended to aim for saving 10-15% of a current income for retirement.

What is the best way to save for retirement?

There are several options for saving for retirement, including individual retirement accounts (IRAs), employer-sponsored 401(k)s and taxable investment accounts. Financial advisors can help determine the best options for individual needs and financial goals.

What is the impact of inflation on retirement plans?

Inflation can have a significant impact on retirement plans by eroding the purchasing power of savings over time. Building inflation adjustments into retirement plans and investing in assets that have the potential to grow with inflation can help mitigate its consequences.

We believe our 10 alternative asset classes, track record across 470+ investments, third party reviews, and history of innovation makes Yieldstreet “The leading platform for private market investing,” as compared to other private market investment platforms.

1 Past performance is no guarantee of future results. Any historical returns, expected returns, or probability projections may not reflect actual future performance. All securities involve risk and may result in significant losses.

3 "Annual interest," "Annualized Return" or "Target Returns" represents a projected annual target rate of interest or annualized target return, and not returns or interest actually obtained by fund investors. “Term" represents the estimated term of the investment; the term of the fund is generally at the discretion of the fund’s manager, and may exceed the estimated term by a significant amount of time. Unless otherwise specified on the fund's offering page, target interest or returns are based on an analysis performed by Yieldstreet of the potential inflows and outflows related to the transactions in which the strategy or fund has engaged and/or is anticipated to engage in over the estimated term of the fund. There is no guarantee that targeted interest or returns will be realized or achieved or that an investment will be successful. Actual performance may deviate from these expectations materially, including due to market or economic factors, portfolio management decisions, modelling error, or other reasons.

4 Reflects the annualized distribution rate that is calculated by taking the most recent quarterly distribution approved by the Fund's Board of Directors and dividing it by prior quarter-end NAV and annualizing it. The Fund’s distribution may exceed its earnings. Therefore, a portion of the Fund’s distribution may be a return of the money you originally invested and represent a return of capital to you for tax purposes.

5 Represents the sum of the interest accrued in the statement period plus the interest paid in the statement period.

6 The internal rate of return ("IRR") represents an average net realized IRR with respect to all matured investments, excluding our Short Term Notes program, weighted by the investment size of each individual investment, made by private investment vehicles managed by YieldStreet Management, LLC from July 1, 2015 through and including July 18th, 2022, after deduction of management fees and all other expenses charged to investments.

7 Investors should carefully consider the investment objectives, risks, charges and expenses of the Yieldstreet Alternative Income Fund before investing. The prospectus for the Yieldstreet Alternative Income Fund contains this and other information about the Fund and can be obtained by emailing [email protected] or by referring to www.yieldstreetalternativeincomefund.com. The prospectus should be read carefully before investing in the Fund. Investments in the Fund are not bank deposits (and thus not insured by the FDIC or by any other federal governmental agency) and are not guaranteed by Yieldstreet or any other party.

8 This tool is for informational purposes only. You should not construe any information provided here as investment advice or a recommendation, endorsement or solicitation to buy any securities offered on Yieldstreet. Yieldstreet is not a fiduciary by virtue of any person's use of or access to this tool. The information provided here is of a general nature and does not address the circumstances of any particular individual or entity. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of this information before making any decisions based on such information.

9 Statistics as of the most recent month end.

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