Retirement Calculator
Estimate retirement capital, supportable monthly income and a funding gap from savings, contributions, returns, inflation and other income.
Plan a simplified retirement scenario from savings, contributions, a desired budget and transparent assumptions.
All values are processed only locally in your browser.
Example values — not a recommendation or current market data.
Result under the selected assumptions
Supportable monthly budget · in today’s purchasing power
€1,899.01
The desired budget is not fully funded under the selected assumptions.
- Desired monthly budget
- €2,000.00
- Monthly budget gap
- €100.99
- Required initial monthly contribution
- €750.94
- Additional monthly contribution
- €50.94
- Capital at retirement
- €885,124.58
- Required capital at retirement
- €932,192.84
- Funding gap
- €47,068.26
- Capital at plan end
- €0.00
- First unfunded model period
- 88 years 8 months
Illustrative model only: Actual returns vary. Fees, taxes, sequence risk and statutory pension rules are not modeled separately.
The plan end age is a freely selected calculation horizon, not an estimate of life expectancy.
Good to know
Good to know
The retirement calculator models the accumulation phase and retirement as two connected phases: until your retirement age, your savings grow through contributions and returns; afterward, they're reduced by your desired monthly budget - with its own expected return for the retirement phase, inflation, other retirement income (inflation-linked, fixed, or custom-adjusted), and optionally contributions that increase each year.
Typical searches include retirement calculator, retirement gap calculator, and how long will my money last in retirement. Calculation runs locally in the browser and shows whether and from when the budget is no longer covered. Public pensions, taxes, health insurance, and individual contracts are not modeled automatically.
Typical use cases
Spot a funding gap early
See from which year the desired budget is no longer covered in the model, instead of just getting a single ending figure - so you can adjust early, for example with higher contributions.
Use different returns for the accumulation and retirement phase
Many people invest more conservatively in retirement than during their working years. The calculator allows two separate return assumptions instead of assuming a single rate for the whole timeline.
Plan for additional retirement income
Add a public pension or other income and choose whether it grows inflation-linked, as a fixed amount, or with its own adjustment rate - for a more realistic overall picture than private savings alone.
Tips for better results
Don’t confuse the plan end age with life expectancy
The plan end age is a freely chosen calculation horizon, not an estimate of life expectancy. Deliberately choose a conservative, rather high end age so you don't calculate too tightly.
Don’t mistake the model for a guarantee
Real returns fluctuate, and sequence risk, taxes, and fees are not modeled separately. Use the result as guidance and also test more conservative assumptions.
How it works
How it works
Step by step
Features
Features
Two-phase model with separate returns
The accumulation phase and retirement each use their own return assumptions and are calculated as one connected timeline.
Unfunded periods are detected
The tool shows the first modeled year in which the desired budget is no longer covered, instead of just an ending figure.
Year-by-year overview as chart and CSV
See the capital progression across both phases as a chart and download the full plan as a CSV.
Frequently asked questions
Frequently asked questions
What happens if the budget is not covered?
The calculator flags the first modeled year from which the desired budget is no longer affordable and shows the funding gap - as a signal to adjust the contribution, retirement age, or budget.
Can I set different returns for before and during retirement?
Yes, under advanced settings you can set two separate expected returns for the accumulation phase and retirement.
Does the calculator account for public pension?
You can manually enter a public pension or other income as “other retirement income” and choose how it develops. Automatic calculation of a public pension is not included.
More tools
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Calculate projected balance, contributions and interest from current savings, a monthly contribution, time and annual interest.
Investment Calculator
Calculate ending value, contribution, starting amount, return or duration for a simplified investment plan.
Inflation Calculator
Calculate how constant inflation or deflation changes prices and purchasing power over time.