Question 1

What annual return should I enter?

Accepted Answer

Long-run diversified portfolios have historically returned 5–8% annually. Use 4–5% for a conservative estimate based on your risk tolerance.

Question 2

Does inflation matter much?

Accepted Answer

A lot. Inflation erodes purchasing power — money buys noticeably less in 30 years, so 'savings needed' is computed from your inflation-adjusted desired income.

Question 3

Can I use this as financial advice?

Accepted Answer

No. This is a mathematical projection under fixed assumptions, not investment advice. Consult a licensed advisor for real planning.