Disclaimer

Read this before acting on anything on MyRetireHub. It is short, and it matters.

Estimates are illustrative

Every figure produced on MyRetireHub, whether by a calculator or in a guide, is an estimate. The rule-of-25 approach and the 4% rule describe what a historically reasonable withdrawal might have supported; they do not state what your portfolio will actually return. Outputs are meant to illustrate a rough target and help you reason about your plan, not to predict the future accurately.

Returns and withdrawals vary

Investment returns change from year to year and period to period. Inflation changes the real purchasing power of the money you withdraw. Asset values can fall for long stretches. Assumptions we use — such as a 6% or 7% average return — are projections based on historical patterns, not promises. A short market period can raise the real chance of outliving a fixed withdrawal plan.

Not financial advice

Nothing on this site is financial, investment, legal, or tax advice. We are not a fiduciary, and we do not know your full financial picture. The calculators and guides are educational tools meant to give you transparent arithmetic and a clear description of its limits, so you can have a better-informed conversation with a professional.

Consult a qualified advisor

For decisions about your actual money — how much to save, how to invest, when to claim benefits, how to manage taxes — we strongly encourage you to consult a qualified, fee-transparent financial advisor who understands your situation. What you learn here should inform that conversation, not replace it.

Figures are approximate

Calculators round, assume tax-free buckets, and simplify to keep the math readable. Real-world results differ because of taxes, fees, portfolio behaviour, withdrawal timing, and individual expenses. Treat every output as approximate and verify anything important independently.