See if you're on track to retire comfortably — your projected savings, the target corpus you actually need, and any gap between them.
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This calculator uses the widely-cited "4% rule" as a general guideline and does not model your country's public pension system, taxes, or retirement account rules. It is illustrative only and not financial advice.
Enter your current age, target retirement age, existing savings, and monthly contribution, and this calculator projects your retirement corpus using compound growth at your expected rate of return. It then compares that projection against a target corpus calculated using the widely-cited "4% rule": the idea that withdrawing roughly 4% of your savings each year, adjusted for inflation, has historically had a high probability of lasting 25–30 years without running out.
Your target corpus is based on the monthly retirement income you say you want, adjusted for inflation between now and your retirement date, then divided by 4%. Comparing your projected corpus to this target gives you a clear retirement gap — either a surplus or a shortfall — so you know today whether to increase contributions, retire later, or adjust your goal. This tool does not model your country's public pension system, taxes, or specific retirement account rules; it's a general planning estimate, not financial advice.
The 4% rule is a widely-cited retirement guideline suggesting that withdrawing about 4% of your investment portfolio in the first year of retirement, then adjusting that amount for inflation each following year, has historically had a high probability of lasting 25 to 30 years without depleting your savings.
No. State and public pension systems vary enormously by country and are calculated using rules this tool doesn't have access to. This calculator focuses only on your personal savings and investments — treat the target corpus as what you'd need if you were funding your entire desired income yourself.
A shortfall simply means that, at your current savings rate and assumptions, your projected corpus falls short of the 4%-rule target. Common ways to close the gap include increasing your monthly contribution, retiring a few years later, or adjusting your desired retirement income.