🏖️ Retirement Savings Calculator
Project your retirement nest egg based on current savings, monthly contributions, and expected investment returns. Includes inflation adjustment.
Enter your values
- Total contributed€131,000.00
- Investment growth€420,035.67
- Est. monthly income (4% rule)€1,836.79
- Value after inflation€232,190.49
What this means
- Projected balance at retirement: €551,035.67
- Estimated monthly income (4% rule): €1,836.79
- Years to retirement: 35
- Inflation-adjusted value: €232,190.49
Visual results
Detailed breakdown
| Year | Contributions | Investment growth | Projected balance |
|---|---|---|---|
| 1 | €8,600.00 | €350.00 | €8,950.00 |
| 2 | €12,200.00 | €976.50 | €13,176.50 |
| 3 | €15,800.00 | €1,898.85 | €17,698.86 |
| 4 | €19,400.00 | €3,137.77 | €22,537.77 |
| 5 | €23,000.00 | €4,715.42 | €27,715.42 |
| 6 | €26,600.00 | €6,655.50 | €33,255.50 |
| 7 | €30,200.00 | €8,983.38 | €39,183.38 |
| 8 | €33,800.00 | €11,726.22 | €45,526.22 |
| 9 | €37,400.00 | €14,913.06 | €52,313.06 |
| 10 | €41,000.00 | €18,574.97 | €59,574.97 |
About this calculator
Why start saving early
Compound growth rewards patience above all else. Money invested at 30 has 35 years to compound before retirement at 65; money invested at 45 has only 20. The difference in final balance is often more than double — not because of more contributions, but because of time.
How this calculator works
Your current savings grow at the expected annual return, and each year’s contribution is added on top. The result is a future value projection using annual compounding — a conservative approximation compared to monthly.
The 4% withdrawal rule
The estimated monthly income uses the 4% rule: withdraw 4% of your balance in year one, then adjust for inflation. Research suggests this sustains a 30-year retirement with high probability in most market environments.
Accounting for inflation
The inflation-adjusted figure shows what your projected balance is worth in today’s purchasing power. If your balance is €550,000 but inflation runs at 2.5% for 35 years, the real value is closer to €220,000 in today’s money.
Related guides
Frequently asked questions
What is the 4% rule?
The 4% rule is a retirement guideline suggesting you can withdraw 4% of your nest egg in the first year and adjust for inflation each year after, with a high probability your money lasts 30 years.
How much should I save for retirement?
A common target is 10–15% of gross income, but the earlier you start the more time compounding works in your favor. Even small monthly contributions in your 20s can outgrow large contributions started in your 40s.
What return rate should I use?
Historically, a diversified stock portfolio has returned around 7% annually after inflation. For a conservative estimate use 5–6%; for an aggressive portfolio use 8–10%. This calculator uses nominal returns — subtract expected inflation for the real figure.