Retirement Calculator

All figures in today's money (no inflation adjustment). Client-side only — nothing is saved or sent anywhere.

Your numbers

Currency

Current age

Target retirement age

Current retirement savings Monthly contribution Desired annual retirement spend Expected annual state pension

▸ Advanced assumptions

Safe withdrawal rate (%) Expected annual investment return (%)

Results

Target number

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Projected investment balance at retirement

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Net home equity at retirement

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Total projected net worth

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Gap / Surplus

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Home & mortgage (optional — leave at 0 to ignore)

Current home value

Home appreciation rate (%/yr)

Current mortgage balance

Mortgage interest rate (%/yr)

Monthly repayment

Remaining term / termination (years from now)

At the termination year, any remaining mortgage balance is treated as fully settled (e.g. via remortgage or sale) — otherwise the balance amortizes month to month from the repayment and interest rate.

Trajectory

Investment balance Total net worth (incl. home equity) Target number

Formulas: Target number = (desired annual spend − state pension) ÷ safe withdrawal rate. Investment balance = current savings compounded monthly at the expected return, plus monthly contributions, until retirement age. Net home equity = home value (compounding at the appreciation rate) minus the remaining mortgage balance at retirement. Total net worth = investment balance + net home equity. Gap = target number − total net worth (negative gap means a projected surplus).