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 supports model calculations for retirement budget, accumulation phase, withdrawal phase, inflation, and funding gap. Enter age, target age, current savings, monthly contribution, return, inflation, and desired budget and review supportable budget, balance over time, unfunded periods, and values in today's purchasing power, so assumptions, magnitudes, and alternatives are easier to compare.
Typical searches include retirement calculator, retirement gap, how long savings last, retirement budget. Calculation runs locally in the browser and shows results, intermediate steps, and key figures without upload. Public pensions, taxes, health insurance, and individual contracts must be checked separately.
Typical use cases
Compare scenarios
Change amount, term, interest rate, payment, or target value and immediately see how the key figures change.
Document assumptions
The core logic is: savings grow during accumulation through returns and contributions, then decline through monthly withdrawals. Visible inputs, results, and intermediate steps help explain the model calculation in notes, spreadsheets, or conversations.
Prepare decisions
Use the values as orientation for questions to lenders, tax advisors, employers, providers, or internal planning. The tool does not replace individual advice.
Tips for better results
Separate nominal and real values
Inflation, fees, taxes, and purchasing power can materially change the result. Check whether you are comparing nominal amounts or values in today's purchasing power.
Check contract details separately
Lender offers, credit cards, insurance, taxes, and investment products often use their own rounding, fee, and calendar rules. Binding decisions require the original documents.
Test sensitivity
Run conservative, middle, and optimistic variants. Small changes in rate, term, inflation, or payment can create large differences in financial calculations.
How it works
How it works
Step by step
Features
Features
Local in the browser
Inputs and results are not uploaded for calculation.
Flexible assumptions
Adjust age, target age, current savings, monthly contribution, return, inflation, and desired budget and compare variants immediately.
Traceable calculation path
Formulas, intermediate steps, and key figures make the model calculation easier to review.
No financial advice
The result is a model calculation, not a recommendation for credit, investing, tax, or contracts.
Frequently asked questions
Frequently asked questions
Is the Retirement Calculator financial advice?
No. The tool creates a calculation model based on your inputs. It does not account for your individual situation, a full contract, or personal tax position.
Why can a provider calculate different numbers?
Providers may include fees, day-count rules, rounding, special terms, taxes, bonuses, or contract details that are not part of a general browser calculation.
Are my financial values stored?
No. Calculation runs in the browser. Entered values are not transferred to Xoricon for the calculation.
Why do rounding and currency matter?
Small rounding differences can add up over many months or periods. The currency selection controls only symbol and number format; all compared amounts should already be in the same currency.
More tools
More tools
Savings Calculator
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.