Retirement Calculator
🏠 Free ToolProject your retirement savings based on your current age, savings, monthly contributions, and expected returns. See your total at retirement, estimated monthly income, and how many years your money will last.
How it Works
This retirement calculator projects how much you will have saved by the time you retire. Enter your current age, target retirement age, existing savings, monthly contribution, and expected investment return to get a complete projection.
The tool calculates not just your total nest egg, but also how long that money will last based on your expected annual expenses in retirement. It estimates the sustainable monthly income you can draw from your portfolio, helping you assess whether your current savings rate is on track.
The growth chart shows how your savings build year by year, with a clear breakdown between your own contributions and investment returns. The power of compounding becomes visually obvious — the earlier you start, the larger the share of your retirement fund that comes from growth rather than deposits.
Use this calculator regularly to track your progress and adjust your plan. Small changes to your monthly contribution or retirement age can have a dramatic impact on your final outcome. Pair it with our inflation calculator to ensure your expense estimates reflect future prices, not today’s.
Frequently Asked Questions
How much do I need to retire?
A common rule of thumb is 25 times your annual expenses (the 4% rule). If you need EUR 30,000 per year, you would target EUR 750,000. This calculator helps you model your specific situation.
What return rate should I assume?
Historically, a diversified global equity portfolio has returned about 7–8% annually before inflation (5–6% after). A balanced portfolio averages 4–6%. Be conservative in your estimates.
Does this account for inflation?
This calculator shows nominal figures. To account for inflation, either reduce your expected return rate by 2–3% or use our inflation calculator to adjust your target expenses upward.
When should I start saving for retirement?
As early as possible. Thanks to compound interest, EUR 200/month starting at age 25 grows far more than EUR 400/month starting at age 40. Time is your most powerful ally.
What is the 4% rule?
The 4% rule suggests you can withdraw 4% of your portfolio in the first year of retirement and adjust for inflation each year after, with a high probability of your money lasting 30+ years.
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