Retirement Calculator
See exactly how much you need, how much to save each month, and when you can stop working — using the 4% rule, adjusted for inflation.
Your plan
Estimated effective tax on retirement withdrawals. Use “Custom rate” for your own number.
To retire at spending (~€30K/yr), you'll need .
Keep saving €500/mo and you'll reach €755.2K by 65 — +€5.2K above target. You're set.
Shown in today's money, adjusted for 2.0% inflation · after-tax target.
Asset growth vs target
Today's $- Projected balance
- Target nest egg
Explore by retirement age
What do I need to do now to retire at 65?
You're on pace. At €500/mo you'll clear your €750K target by age 65. Keep going — and consider any of the levers below to retire earlier or with more cushion.
- 1Save €500/mo instead of €500/mo — that lands you exactly at your target by 65.
How much should I have at each age to retire at 65?
Today's-$ balance you'd need at each milestone, assuming you keep contributing €500/mo at a 8% return until 65.
How it works
The 4% rule (also called the 25× rule) is a widely-cited retirement guideline: if you save 25 times your annual expenses, you can withdraw 4% each year with a high probability of the money lasting 30+ years.
We project your balance year by year using your contributions and expected return, then deflate it by inflation so the result is comparable to today's expenses — the same basis the 4% rule was designed on. The "increase contribution" number above is solved by finding the monthly amount that makes the projected real balance exactly meet your target.
The optional Zakat toggle deducts ~2.58% per year (the solar-year equivalent of 2.5% per lunar year), treating it like a tax line. It's a planning aid only and doesn't replace guidance from a qualified scholar on what counts as zakatable wealth.
FAQ
What do I need to do now to retire at 55?+
Three levers: (1) raise your monthly contribution to whatever amount the solver above shows, (2) push retirement back a few years so compounding does more of the work, or (3) lower retirement spending so the 25× target shrinks. The calculator turns your own numbers into a single $/mo figure to aim for.
How much should I have by age 50 to retire?+
It depends on your retirement age and spending. As a glide path: to retire at 65 on $50,000/yr ($1.25M target), you'd want roughly $600K–$750K in today's dollars by 50 if you keep saving and earn ~7% real. The milestone tiles above show the number tailored to your inputs.
How much do I need to retire at 60 or 65?+
The target is the same — 25× annual expenses — regardless of age. What changes is how aggressively you need to save. Retiring later means more years of compounding, so you can get there with smaller monthly contributions.
What is the 4% rule?+
It's a retirement guideline: you can withdraw 4% of your portfolio in year one of retirement, then adjust for inflation each year, with a high probability of the money lasting 30+ years. The inverse is the 25× rule: save 25 times your annual expenses.
How much should I save each month for retirement?+
It depends on your current age, savings, target age, and expected return. As a rough rule of thumb, saving 15% of gross income from age 25 puts most people on track. The 'Increase contribution' suggestion above gives you a personalized number based on your inputs.
How is Zakat handled?+
When the Zakat toggle is on, the calculator deducts ~2.58% per year from the portfolio (the solar-year equivalent of the traditional 2.5% lunar-year Zakat). It's a planning aid and doesn't replace guidance from a qualified scholar on what counts as zakatable wealth.
Why adjust for inflation?+
A dollar in 2050 buys less than a dollar today. Showing the projection in today's money lets you compare your retirement balance directly to today's expenses — which is the basis the 4% rule was built on.