Retirement calculator
Project your pot at retirement and estimate the income it could pay, in today's money and after fees and inflation, plus how long it would last at your chosen withdrawal rate.
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How to use this calculator
- Current and retirement age set the runway; the years in between are where compounding happens. The math is the same in any currency, so the symbol is just a label for your own numbers.
- Current portfolio, monthly contribution and yearly increase describe your saving plan across all accounts. The yearly increase models a rising salary.
- Expected return, fund fees and inflation together decide the real outcome: the projection grows at the return minus fees, and the today's-money figures strip out inflation.
- Withdrawal rate is the share of the pot you draw in the first retirement year. State pension and lump sum are optional extras layered on top.
What the default projection shows
Starting at 30 with €25,000 and €500 a month at 7% minus 0.20% fees, the pot reaches €1,127,069 by 65. With 2% inflation that is worth about €563,566 in today's money. A 4% withdrawal rate pays €45,083 in the first year, roughly €1,879 a month in today's terms, and at that rate the pot lasts more than 75 years in the simulation, meaning it effectively sustains itself on the default assumptions.
Why the today's-money figures matter most
A seven-figure pot in 35 years sounds dramatic, but inflation does serious work over that horizon: at 2% a year, prices roughly double. The today's-money values answer the question you actually care about, which is what the pot buys when you get there. The longevity figure runs the same logic through retirement, growing the remaining pot at the real return and deducting an inflation-adjusted income every year until it runs out.
What this projection leaves out
Returns arrive unevenly in reality, and a bad run early in retirement depletes a pot faster than the average suggests, so treat the longevity figure as optimistic. Taxes on gains, dividends and withdrawals vary by country and account type and are not modelled. State pensions across Europe are substantial, so adding yours via the optional field gives a fairer picture. For the saving side, the guides on ETF investing and dollar-cost averaging cover how to automate the monthly contribution, and the ETF fee calculator shows why the fee slider deserves attention.
Assumes monthly contributions, constant returns net of the TER with monthly compounding, and constant inflation, before taxes. The withdrawal simulation grows the pot at the real return and deducts an inflation-adjusted income each year, capped at 75 years. Real returns vary and are not guaranteed. This is an illustration for education only, not financial or pension advice, and your capital is at risk when investing.