Retirement Planner

⚙️ Assumptions

Current Portfolio Value (R) ?

Monthly Saving (R) ?

Regular monthly savings (all accounts)

Annual Increase in Monthly Saving (%) ?

% increase in monthly savings each year

📈 Growth & Inflation

Pre-Retirement Growth Rate (% p.a.) ?

Post-Retirement Growth Rate (% p.a.) ?

Inflation Rate (% p.a.) ?

🎯 Retirement Goals

Monthly Spending at Retirement — Today's Money (R) ?

What you need per month in today's money

Year You Plan to Retire ?

Years in Retirement ?

Life expectancy after retirement

💡 Tip: Change any value and click Recalculate to update.

📊 Overview

📈 Accumulation

🏖️ Retirement

🔬 Scenarios

🧮 Calculator

👋 How to use this planner:
1. Select your currency using the dropdown in the top-right corner.
2. Enter your details in the panel on the left.
3. Click Recalculate to update everything.
4. Hover over any ? icon for a plain-language explanation.
5. Explore the tabs above to see charts, scenarios and savings goals.

⚠️ Important: This tool provides estimates only and is not financial advice. Results may be inaccurate. Do not make financial decisions based solely on these projections. Please consult a qualified financial advisor. The creators accept no liability for any loss or damage arising from use of this tool.

Current Portfolio ?

—

Current value

Projected at Retirement ?

—

Target 1 — Lasts 25 Years ?

—

Target 2 — Money Never Runs Out ?

—

Monthly Income at Retirement ?

—

Inflation-adjusted withdrawal

Surplus / Shortfall vs Never-Runs-Out ?

—

Your Savings Journey ?

📋 Key Retirement Numbers ?

Metric	Value	Notes

Portfolio Growth Over Time ?

Year-by-Year Milestones ?

What if Growth is Higher or Lower? ?

Amount Needed (Fixed Period) ?

—

Lasts exactly 25 years

Amount Needed (Never Runs Out) ?

—

Capital lasts forever

Your Monthly Income at Retirement ?

—

Inflation-adjusted to retirement year

Annual Income at Retirement ?

—

In retirement-year money

How Long Does the Money Last? ?

Monthly Income vs Monthly Growth ?

Today's Money Value of Your Portfolio ?

Portfolio at Retirement — Different Growth Rates ?

How Much You Need Based on Monthly Spending ?

📊 Full Comparison Table ?

Growth Rate	Portfolio at Retirement	vs Fixed Period Target	vs Never-Runs-Out Target	Verdict

🎯 Target 1 — Finite Period (25 years)

Amount needed on retirement day ?—

Your projected portfolio—

Surplus / Shortfall—

Monthly saving needed — flat amount ?—

Monthly saving needed — growing +8% p.a.—

Your current monthly saving—

♾️ Target 2 — Perpetuity (Money never runs out)

Amount needed on retirement day ?—

Your projected portfolio—

Surplus / Shortfall—

Monthly saving needed — flat amount—

Monthly saving needed — growing +8% p.a.—

Your current monthly saving—

📅 How Inflation Affects Your Money ?

Monthly withdrawal today—

Years to retirement—

Monthly at retirement—

Annual at retirement—

Monthly in 10 yrs of retirement—

Monthly in 25 yrs of retirement—

📊 What Happens at Different Starting Amounts? ?

🔄 How Much Do I Need to Save Each Month? ?

Growth Rate	Flat Monthly (T1)	Flat Monthly (T2)	+8% p.a. Monthly (T1)	+8% p.a. Monthly (T2)	Current Saving	Status vs T2

About This Tool

A free, private, no-nonsense retirement planning calculator.

What is this tool?

This is a free, browser-based retirement planning calculator. You enter your current savings, monthly contributions, expected investment returns, and retirement goals — and it projects whether you're on track. All calculations happen instantly in your browser. No servers, no accounts, no data collection.

Is my data private?

Yes, completely. Every calculation runs locally in your browser. Nothing is ever sent to a server, stored in a database, or shared with anyone. We have no way of knowing you're even using this tool. Close the tab and your data is gone.

Do I need to register or log in?

No. There is no account system, no registration, no login, and no email address required. Just open the tool and start planning.

Is it free?

Yes, completely free. There are no ads, no subscription fees, no premium features hidden behind a paywall, and no affiliate links. This is a public service tool. If you find it valuable, consider donating to Pure Hope School NPC (see the Donate page).

Are you trying to sell me something?

No. We are not affiliated with any financial institution, investment platform, or product provider. We are not trying to sell you investments, insurance, or any financial product. Full stop.

How accurate are the projections?

The tool uses standard actuarial and financial mathematics (present value of growing annuities, Gordon Growth Model, compound interest). However, all projections are estimates. Real investment returns vary year to year. Inflation changes. Tax laws change. Life doesn't follow a spreadsheet. Use this tool as a guide to understand the scale of your planning — not as a guarantee of outcomes. Please consult a qualified financial advisor before making significant financial decisions.

What do the two targets mean?

Target 1 (Finite) is the lump sum you need for your money to last a fixed number of years (e.g. 25 years). Target 2 (Perpetuity) is the larger amount where your investment growth each month exceeds your withdrawal — meaning the capital is never spent and could last forever. Target 2 is the more conservative (and aspirational) goal.

What languages is the tool available in?

The tool is available in English, German (Deutsch), French (Français), Spanish (Español), and Italian (Italiano). Use the flag buttons in the top-right corner to switch languages.

⚖️ Terms of Use & Disclaimer

This tool is provided for educational and personal planning purposes only. It does not constitute financial, investment, legal, or tax advice.

All projections are estimates based on the assumptions you enter. Actual results will differ.
Past investment returns do not guarantee future performance.
You should consult a qualified, registered financial advisor before making any financial decisions.
The creators of this tool accept no liability for any financial loss, damage, or decisions made based on results from this calculator.
By using this tool, you agree that you may not hold the creators legally responsible for any outcomes, errors, or omissions.
This tool is provided "as is" with no warranty of accuracy, completeness, or fitness for any particular purpose.
No data is collected, stored, or transmitted. You use this tool entirely at your own risk.

If you are unsure about your retirement planning, please speak to a certified financial planner in your country.

📬 Contact

Have a question, spotted a bug, or want to suggest an improvement? You're welcome to reach out. Please note that email is monitored periodically — not daily — so responses may take some time.

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Please do not send unsolicited marketing or spam. This inbox is for genuine tool-related enquiries only.

🏦 Retirement Planner