Retirement Savings Calculator
How much do you need to retire comfortably? This calculator projects your retirement pot based on your current savings, monthly contribution and expected return, and gives an indication of the monthly income that pot could provide.
結果
￥382,166.77
Expected retirement pot
- Indicative monthly income (4% rule)
- ￥1,273.89
- Years to retirement
- 32
How this was calculated
- 1Calculate the years until retirement67 − 35 = 32 years
- 2Grow the current pot and contributions to that age
公式
Pot = (Current pot × (1+i)^n) + Contribution × (((1+i)^n − 1) ÷ i) · Monthly income ≈ Pot × 4% ÷ 12
The pot growth uses the same compound-interest formula as saving, applied to the years until your retirement age. The indicative monthly income uses the 4% rule: a widely cited US rule of thumb stating you can withdraw roughly 4% of your pot per year without depleting it over a long retirement.
What the variables mean
- pot
- Your total retirement pot at retirement age
- 4%-regel
- Rule of thumb: withdrawing 4% of your pot per year is generally sustainable long-term
ステップ解説
- 1Enter your current age, retirement age and current retirement savings.
- 2Enter your monthly contribution and expected annual return.
- 3Read off the projected pot and the indicative monthly income.
計算例
35 years old, retiring at 67, € 20,000 now, € 300/month, 5% return
→ Expected pot ≈ € 382,000, indicatively € 1,274 per month.
25 years old, retiring at 67, € 5,000 now, € 200/month, 6% return
→ Expected pot ≈ € 516,000, indicatively € 1,719 per month.
50 years old, retiring at 67, € 80,000 now, € 500/month, 4% return
→ Expected pot ≈ € 303,500, indicatively € 1,012 per month.
Reference table
| Starting age | Years saving until 67 | Pot at 67 |
|---|---|---|
| 25 | 42 | €513,000 |
| 35 | 32 | €283,000 |
| 45 | 22 | €144,000 |
| 55 | 12 | €59,000 |
Illustrates the power of starting early; assumes €300/month at 5% return with no existing savings.
よくある間違い
- Looking only at the final amount without accounting for inflation, which reduces that amount's purchasing power over decades.
- Forgetting that employer pension schemes and state pension are separate from this kind of personal savings.
- Assuming a constant return every year, when markets actually fluctuate.
Important to know
- This is an indicative, heavily simplified projection. It does not account for state pension, employer pension, inflation or tax. Consult a financial adviser for retirement planning.
活用シーン
- Getting a rough estimate of your personal retirement pot alongside your employer pension.
- Visualising the effect of starting extra retirement saving earlier.
- Comparing different scenarios of monthly contribution or return against each other.
よくある質問
Is the 4% rule reliable?
It is a rule of thumb based on historical US market returns, not a guarantee. Actual safe withdrawal rates depend on investment mix, lifespan and market conditions.
Why does my pot grow faster as time passes?
Because of compound interest: each year you earn a return not just on your contributions, but also on returns already earned. The longer the horizon, the bigger that snowball effect.
What if I increase my monthly contribution later?
Simply enter your new, higher contribution in the calculator to see an updated projection. For a mixed scenario (e.g. lower first, higher later), you can run the calculation separately for each period and add the results.
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