Retirement Calculator
Find out how much you need to retire comfortably — and whether your current savings will get you there.
✔ Compound Growth🌍 Multi-currency
🌅 Retirement Calculator
Results update instantly
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Retirement Nest Egg Needed
$0
Needed
$0
Projected at Retirement
$0
Surplus / Gap
$0
Years to Invest
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Enter your details to see your retirement projection.
How Much Do You Need to Retire?
The standard rule is to accumulate 25× your annual expenses (the 4% withdrawal rule). This means if you spend $60,000/year, you need $1.5M. A more conservative 3.5% SWR (for longer retirements) requires $1.71M.
📐 Retirement Projection Formula
FV = PV(1+r)ⁿ + PMT × [(1+r)ⁿ − 1] ÷ r
FVPortfolio value at retirement
PVCurrent savings
PMTMonthly contribution
rMonthly return rate
Frequently Asked Questions
A common guideline: save 15% of gross income starting at age 25. Starting at 35 may require 20–25%. Time is your biggest advantage — starting 10 years earlier typically halves the required monthly contribution for the same retirement outcome.
Long-term diversified portfolios have historically returned 7–10% annually (nominal). Use 5–7% for conservative planning in real terms (after inflation). For South Africa, the JSE has historically returned ~12% nominal, but consider inflation of 5–6%.
⚠️ Disclaimer Estimates only. Not financial or legal advice.