Capital Aposentadoria (regra 4%)
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
Formula
Trinity
About this calculator
A Capital Aposentadoria é uma ferramenta fácil e útil para calcular o valor necessário para uma aposentadoria confortável. É baseada na regra de ouro do Trinity, que sugere que 25% do seu salário deve ser destinado à poupança e investimento.
Para calcular o valor, basta digitar a renda anual que você deseja ter em sua aposentadoria e a fórmula fará o restante. A fórmula utilizada é simples: Capital = annual_income / 0,04.
Essa calculadora é útil para planejar sua aposentadoria desde cedo e evitar problemas financeiros no futuro. Além disso, é importante lembrar que essa é apenas uma regra de ouro e que é fundamental ajustá-la de acordo com suas necessidades e objetivos pessoais.
Frequently asked questions
What is the Trinity rule?
The Trinity rule suggests that 25% of your salary should be allocated to savings and investment for a comfortable retirement. Our calculator uses a variant of this rule, considering a 4% annual return.
When should I use this calculator?
This calculator is useful for anyone who wants to plan their retirement from an early age. It is especially recommended for those who start working and want to establish a savings and investment routine.
What is the importance of the formula Capital = annual_income / 0.04?
This formula is a simple approximation to calculate the value needed for a comfortable retirement. It is essential to remember that this is only a rough rule, and it is crucial to adjust it according to your needs and personal goals.
Can I use this calculator to calculate the annual income I need to have in my retirement?
Yes, you can use this calculator to calculate the annual income you need to have in your retirement. Simply enter the value of the capital you want to have, and the calculator will do the rest.